1. Privacy Policy
Mortgage Helper is committed to protecting your privacy and complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Credit assistance is provided by Shun (Rachel) Yeung, Credit Representative of Mortgage Specialists Pty Ltd (Australian Credit Licence No. 387025), trading as Specialist Finance Group.
What Personal Information We Collect
Financial Information
We may collect financial information relating to your overall financial position for the purposes of assessing your loan application. This may include:
Bank statements (transaction and savings accounts)
Credit card or store card statements
Information relating to your assets and liabilities
Credit Reporting Information
We may collect credit reporting information from credit reporting bodies. This may include repayment history, overdue payments, defaults, adverse credit history, insolvency, bankruptcy, court proceedings and other publicly available information.
This information is used to assess eligibility for finance and is exchanged between credit providers and credit reporting bodies in accordance with the law.
Sensitive Information
We may collect sensitive information in limited circumstances, including where you apply for or are referred for insurance products such as life insurance, income protection or TPD insurance.
Sensitive information is:
Collected only with your consent
Collected directly from you
Used only for the purpose for which it is provided
Sensitive information may include health information, ethnicity, religion, criminal record or biometric information.
How We Collect Personal Information
We collect personal information directly from you when you:
Complete forms
Contact us by phone
Use our website
Communicate via email or SMS
Website & Internet Activity
When you access our website, we may collect information such as IP address and general geographic information to verify identity, improve security and enhance services.
We do not recommend sharing personal or sensitive information through social media platforms.
Unsolicited Personal Information
If unsolicited personal information is received and it is not lawful or necessary for our business purposes, it will be destroyed or de-identified.
Notification of Collection
When collecting personal information, we will notify you of:
Purpose of collection
Entities to whom information may be disclosed
Consequences of not providing information
Direct marketing activities
Overseas disclosures
Direct Marketing
We may use personal information for direct marketing.
All marketing communications include an opt-out option.
We do not sell personal information or use sensitive information for marketing.
Cross-Border Disclosure
We may store personal information in cloud-based systems that may be located overseas and may disclose information to overseas service providers for audit or compliance purposes.
Government-Related Identifiers
We do not use government-related identifiers to identify individuals.
Tax File Numbers are not used or disclosed except where required by law.
Data Quality & Security
We take reasonable steps to ensure personal information is accurate, up to date and protected from misuse, loss or unauthorised access.
Access & Correction
Individuals may request access to or correction of their personal information.
Access may be refused where required by law or where it would impact others’ privacy or legal proceedings.
2. Terms & Conditions
Information on this website is general in nature and does not constitute credit, financial, legal or taxation advice.
Credit assistance is provided by Shun (Rachel) Yeung, Credit Representative of Mortgage Specialists Pty Ltd (ACL 387025).
All credit applications are subject to lender approval, eligibility criteria and responsible lending obligations.
We do not guarantee loan approval, interest rates, borrowing capacity, timeframes or outcomes.
Website content may be updated at any time without notice.
3. Credit Guide & Complaints
Credit Guide
A copy of our Credit Guide and Privacy Consent is available upon request and outlines our services, remuneration, responsible lending obligations and dispute resolution procedures.
Complaints & Dispute Resolution
If you have a complaint, please contact:
Shun (Rachel) Yeung
📧 info@mortgagehelper.com.au
📞 0420 828 828
If unresolved, complaints may be escalated to:
Mortgage Specialists Pty Ltd (Specialist Finance Group)
📧 compliance@spfgroup.com.au
📞 08 9286 6888
If still unresolved, you may contact:
Australian Financial Complaints Authority (AFCA)
📞 1800 931 678
🌐 www.afca.org.au
4. Calculators Disclaimer
This website does not currently provide calculators or automated tools.
If calculators are added in the future, any results will be estimates only and subject to lender approval.
Mortgage Helper Pty Ltd ABN 58 617 384 915 is authorised under Mortgage Specialists Pty Ltd ACN 612 422 178 Australian Credit Licence 387025