Total Lifestyle Credit Pty Ltd

CREDIT GUIDE

Thank you for considering doing business with Total Lifestyle Credit Pty Ltd. We are a Representative of a licensed provider of credit assistance under the National Consumer Credit Protection Act 2009. This document provides you with information about us, our Lic ensee with whom you are dealing and the services we provide.

Licensee’s business name Total Lifestyle Credit Pty Ltd ACN 623 119 219
Licensee’s address S401 L4, 4 Columbia Court Baulkham Hills NSW 2153
Licensee’s phone number 1300 045 047
Licensee’s email address admin@tlc.com.au
Australian Credit Licence number 509691
Business AFCA membership number 48019

If you are looking for consumer credit products, our role is to help you find a product that suits you. That process involves talking to you to understand your requirements and objectives in seeking credit, as well as understanding your financial position.

Our assistance process

We are required by law to ensure that any credit product with which we assist you can be deemed “not unsuitable” for you. In simple terms, this means that the product fits your needs and that you can afford to meet the financial repaym ents.
To establish this, we need to:
  • make enquiries with you as to your needs;
  • make enquiries with you as to your financial position; and
  • collect evidence from you to verify your financial position.

Once we have done this, we will then use our broking e xpertise to find a product in the market place that you can afford and that meets your needs.

With what products do we provide assistance?

In the past 3 months, the top 6 lenders that our clients have been placed with are

  1. Ratesetter [ABN 57 166 646 635/ ACN 166 646 635/ ACL 449176]
  2. ANZ Bank [ABN 11 005 357 522 / ACN 005 357 522/ ACL 234527]
  3. Latitude [ABN 54 008 443 810 / ACN 008 443 810/ ACL 392163]
  4. Pepper Money [ABN 56 165 183 317 / ACN 165 183 317 / ACL 458899]
  5. Society One [ACN 151 627 977 / ACL 423660]
  6. WISR [ACN 616 806 949 / ACL 458572]

This is not to say that we will only deal with these lenders, it is simply that the products these lenders offer have been most suitable to our most recent clients. Your case may be different and we would look at your needs separately and independently of the above list.

How do our Credit Representatives get paid?

Our Credit Representatives are paid a commission directly from the lender. The lender may pay them a percentage amount upon settlement of your loan and may also pay them an ongoing percentage amount for the life of your loan.These amounts are paid to the Credit Representative by the lender and ARE NOT payable by you. If you are interested and want an estimate of what the commission payment will be and how it is worked out, please just ask us or our Credit Representative and we will be only too glad to provide you with this information.

In addition, our Credit Represen tatives receive the fees set out in the Quote provided to you. These include fees payable for credit assistance services and clawback fees in the event that a loan is repaid early. If you are interested in how these fees are worked out, please just ask us or our Credit Representative and we will be only too glad to provide you with this information.

at if you are not happy with our services?

At Total Lifestyle Credit Pty Ltd, we always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.

We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.

If, for any reason, you do not feel that you have received the highest standard of care from us, we encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.

You can contact us by using whichever of the details on the next page best suits you.

You can contact us by whichever of the following means best suits you: