Effective Date: 02/07/2026

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Website: www.mortgagecounsel.com.au

These Terms and Conditions govern your access to and use of the Mortgage Counsel website, including its content, features, tools, forms, and related services. By accessing or using this website, you agree to these Terms and Conditions. If you do not agree, you must not use the website.

1. About Mortgage Counsel

Mortgage Counsel provides educational content and general information about home loans, refinancing, property finance, lending, and related topics. We may also assist users by connecting them with mortgage brokers and other relevant third-party service providers.

Unless expressly stated otherwise, Mortgage Counsel is not a lender and does not provide credit through this website.

2. General Information Only

All content on this website is provided for general educational and informational purposes only. It does not take into account your personal objectives, financial situation, or needs.

Nothing on this website constitutes, or is intended to constitute:

• financial advice;
• legal advice;
• tax advice;
• credit advice or personal credit assistance;
• a recommendation to apply for a particular product;
• an offer of credit; or
• a guarantee of approval, eligibility, suitability, or outcome.

You should consider your own circumstances and seek independent professional advice before making financial, legal, property, or borrowing decisions.

3. No Relationship Created

Your use of this website, including submitting an enquiry or requesting contact, does not by itself create a client relationship, broker-client relationship, advisory relationship, fiduciary relationship, or any obligation for Mortgage Counsel to provide services or arrange finance.

Any formal relationship with a broker, lender, or service provider will be subject to separate terms, disclosures, and agreements issued by that party.

4. Website Services and Enquiries

Through this website, users may access educational content, use website features and tools, submit enquiries, and request to be connected with mortgage brokers or other service providers.

If you submit information through the website, you confirm that it is accurate, current, and complete to the best of your knowledge. We may use that information to respond to your enquiry and, where appropriate, share it with relevant brokers or service providers in accordance with our Privacy Policy.

Submitting an enquiry does not guarantee contact, referral, approval, finance, or any particular outcome.

5. Educational Content, Tools, and Calculators

Articles, guides, blog content, FAQs, examples, calculators, borrowing estimates, repayment tools, and similar materials are provided for general information and illustration only.

While we aim to keep content current and useful, we do not warrant that any information, estimate, or tool output is accurate, complete, current, error-free, or suitable for your circumstances. Loan products, lender policies, rates, fees, and eligibility criteria may change without notice.

Any calculator or estimate is indicative only and must not be relied on as approval, pre-approval, eligibility confirmation, or a lending offer.

6. Third-Party Services

Mortgage Counsel may refer or connect users to mortgage brokers, lenders, conveyancers, referral partners, or other third-party providers.

Unless expressly stated otherwise, those parties are independent of Mortgage Counsel. We are not responsible for their advice, services, products, lending decisions, fees, terms, privacy practices, website content, or any outcome arising from your dealings with them.

Mortgage Counsel may receive commissions, referral fees, or other commercial benefits from certain referrals or introductions, where permitted by law.

7. User Conduct

You agree to use this website lawfully and not to misuse it. You must not:

• use the website for unlawful, misleading, fraudulent, or harmful purposes;
• submit false or misleading information;
• interfere with the website’s operation, security, or accessibility;
• attempt unauthorised access to systems, servers, accounts, or data;
• upload or transmit malware or harmful code;
• copy, scrape, reproduce, modify, distribute, or exploit website content without prior written consent;
• use bots, crawlers, or automated tools to access or extract data without permission.

We may suspend, restrict, or terminate access to the website where we reasonably believe misuse has occurred.

8. Intellectual Property

Unless otherwise stated, all content on this website, including text, branding, logos, graphics, layout, design, images, tools, and software, is owned by or licensed to Mortgage Counsel and protected by applicable intellectual property laws.

You may use the website for personal, non-commercial purposes only. You must not reproduce, republish, distribute, adapt, display, frame, mirror, or commercially exploit any part of the website without prior written consent.

9. Third-Party Links

This website may include links to third-party websites or services for convenience only. Those links do not imply endorsement or approval unless expressly stated.

We are not responsible for the content, availability, security, or privacy practices of third-party websites, and you access them at your own risk.

10. Website Availability

We do not guarantee that the website will be uninterrupted, secure, error-free, or available at all times. We may modify, suspend, withdraw, or restrict any part of the website at any time without notice.

11. Disclaimer of Warranties

To the maximum extent permitted by law, this website and all content, materials, tools, and services made available through it are provided on an “as is” and “as available” basis.

Mortgage Counsel makes no representation or warranty, express or implied, about the accuracy, completeness, reliability, currency, suitability, availability, security, or performance of the website or its content, or about the likelihood of any particular lending or service outcome.

12. Limitation of Liability

To the maximum extent permitted by law, Mortgage Counsel excludes all liability for any loss, damage, cost, or expense arising from or in connection with:

• your use of, or inability to use, the website;
• reliance on website content, articles, guides, tools, calculators, estimates, or examples;
• errors, omissions, outdated information, interruptions, delays, or technical issues;
• any act, omission, advice, service, decision, product, or outcome of a broker, lender, or other third-party provider; or
• unauthorised access to or use of information transmitted through the website.

This exclusion applies to direct, indirect, incidental, consequential, and special loss, including loss of profits, opportunity, business, reputation, data, or anticipated savings.

Nothing in these Terms and Conditions excludes, restricts, or modifies any rights or remedies that cannot lawfully be excluded, including under the Australian Consumer Law. Where liability cannot be excluded, it is limited to the maximum extent permitted by law.

13. Indemnity

You agree to indemnify and hold harmless Mortgage Counsel and its directors, officers, employees, contractors, agents, and related entities from and against any claims, liabilities, losses, damages, costs, and expenses arising from your misuse of the website, your breach of these Terms and Conditions, your breach of law, or your infringement of any third-party rights.

14. Privacy

Your use of this website is also subject to our Privacy Policy. By using the website and submitting information through it, you acknowledge that we may collect, use, store, and disclose personal information in accordance with that policy and applicable law.

15. Cookies and Analytics

We may use cookies, analytics tools, pixels, and similar technologies to operate and improve the website, understand user behaviour, personalise content, and measure marketing performance. Further details are set out in our Privacy Policy.

16. Testimonials and Examples

Testimonials, reviews, case studies, examples, and sample scenarios are illustrative only. Individual outcomes vary and past results do not guarantee future results.

17. Changes to These Terms

We may update these Terms and Conditions at any time by publishing the revised version on this website. Changes take effect from the date of publication unless stated otherwise. Your continued use of the website after changes are published constitutes acceptance of the updated Terms.

18. Severability

If any provision of these Terms and Conditions is found to be invalid, unlawful, or unenforceable, that provision will be severed and the remaining provisions will continue in full force and effect.

19. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia, unless otherwise required by law. You submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts competent to hear appeals from them.

20. Contact Us

If you have any questions about these Terms and Conditions, please contact:

Mortgage Counsel
Website: www.mortgagecounsel.com.au
Email: info@mortgagecounsel.com.au
Phone: +61 452 097 321

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