Privacy policy

Effective Date: 10/03/2026
Website: www.yourhomeloan.com.au

YourHomeLoan.com.au (“we”, “us”, “our”) is committed to protecting your privacy and managing your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, store and protect your personal information when you use our website and services.

1. What Personal Information We Collect

We collect personal information that is reasonably necessary to provide mortgage broking and financial advisory services.

Information You Provide to Us

  • Full name
  • Contact details (phone number, email address, residential address)
  • Date of birth
  • Employment details and income information
  • Financial information (assets, liabilities, expenses, credit history)
  • Identification documents (driver licence, passport, etc.)
  • Property details
  • Loan requirements and preferences

Information Collected Automatically

When you visit our website, we may automatically collect:

  • IP address
  • Browser type and device information
  • Pages visited and time spent
  • Referral sources
  • Cookies and tracking data

This information helps us improve website functionality and user experience.

2. How We Collect Personal Information

We collect personal information through:

  • Online enquiry forms
  • Appointment booking forms
  • Loan application submissions
  • Email and telephone communications
  • Document uploads
  • Third-party service providers (such as lenders and credit agencies)
  • Cookies and analytics tools

Where reasonable and practicable, we collect information directly from you.

3. Why We Collect Personal Information

We collect, use and hold personal information to:

  • Provide mortgage broking and financial advisory services
  • Assess eligibility for loan products
  • Compare suitable lending options
  • Submit loan applications on your behalf
  • Communicate with you regarding enquiries and applications
  • Verify your identity
  • Comply with legal and regulatory obligations
  • Improve our website, services and customer experience
  • Send relevant service updates and information

4. Disclosure of Personal Information

We may disclose your personal information to:

  • Banks and lenders
  • Mortgage aggregators
  • Credit reporting bodies
  • Financial service providers
  • Settlement agents and conveyancers
  • Professional advisers (legal, compliance, accounting)
  • Technology and cloud service providers
  • Government and regulatory authorities where required by law

We take reasonable steps to ensure third parties handle your information securely.

5. Third-Party Platforms & External Services

To provide efficient services, we use trusted third-party platforms and software providers. These platforms may collect, store and process personal information in accordance with their own privacy policies.

These services may include:

  • Calendly for appointment scheduling
  • Quickli and other online calculators for borrowing capacity and loan comparison tools
  • Customer relationship management (CRM) systems
  • Secure document management platforms
  • Cloud storage providers
  • Website analytics and marketing tools

When you interact with these third-party services through our website, information may be collected directly by those providers. This may include personal details, contact information, financial inputs, appointment data and website usage data.

Information submitted through these platforms is governed by their respective privacy policies. We encourage you to review those policies before providing personal information.

We select reputable providers and take reasonable steps to ensure your data is handled securely.

6. Overseas Disclosure

Some third-party service providers (such as cloud storage or software providers) may store data overseas. Where this occurs, we take reasonable steps to ensure your information is protected and handled in accordance with Australian privacy laws.

7. Cookies & Website Analytics

Our website uses cookies and third-party analytics tools to:

  • Understand user behaviour
  • Improve website performance
  • Enhance user experience
  • Measure marketing effectiveness

Cookies do not personally identify you but help improve browsing functionality.

You may disable cookies via your browser settings, though some features of the website may not function properly.

8. Direct Marketing

We may send communications relating to:

  • Loan products and finance options
  • Interest rate updates
  • Property finance insights
  • Service updates

You may opt out of marketing communications at any time by clicking “unsubscribe” or contacting us.

9. Storage & Security of Personal Information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure.

Security measures include:

  • Secure servers and encrypted systems
  • Access restrictions and authentication controls
  • Secure digital document storage
  • Staff confidentiality and data protection procedures

10. Access and Correction of Personal Information

You may request access to personal information we hold about you and request corrections if it is inaccurate, incomplete or outdated.

Requests can be made using the contact details below. We will respond within a reasonable timeframe in accordance with legal requirements.

11. Credit Information

As part of providing mortgage services, we may collect and use credit-related information to:

  • Assess loan suitability
  • Verify financial history
  • Submit finance applications

We may exchange credit information with lenders and credit reporting bodies as permitted by law.

12. Complaints

If you believe we have breached your privacy rights, you may lodge a complaint with us directly.

We will investigate your complaint and respond within a reasonable timeframe.

If you are not satisfied with our response, you may contact:

Office of the Australian Information Commissioner (OAIC)
Website: OAIC
Phone: 1300 363 992

13. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those external sites.

14. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.

15. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact:

Your Home Loan
Website: www.yourhomeloan.com.au
Email: info@yourhomeloan.com.au
Address: 17 Lamorna Avenue, Beecroft NSW 2119