Terms & Conditions
Last updated: 1 July 2026
1. About Us
Sovereign Lending Pty Ltd (ABN 12 345 678 901, Australian Credit Licence 123456) operates this website and provides mortgage broking services in Australia. By using this website, you agree to these terms and conditions.
2. Services
We provide mortgage broking services, including loan comparison, application preparation, and submission to lenders on our panel. Our service is provided at no direct cost to you — we are remunerated by the lender through commission upon successful settlement of a loan.
3. General Information Only
The information on this website is of a general nature and has been prepared without taking into account your objectives, financial situation, or needs. Before acting on any information, you should consider the appropriateness of the information having regard to your personal circumstances. We recommend you seek independent financial advice before making any decisions based on the content of this website.
4. No Guarantee of Approval
While we endeavour to match you with suitable lending products and assist with your application, we do not guarantee loan approval. All lending decisions are made by the lender based on their credit assessment criteria.
5. Calculator Disclaimer
The calculators on this website provide estimates only and are intended as a guide. Actual loan repayments, borrowing capacity, and costs may differ based on lender-specific factors, fees, and your individual circumstances. Calculators do not constitute a loan offer or financial advice.
6. Intellectual Property
All content on this website — including text, graphics, logos, and software — is the property of Sovereign Lending or its licensors and is protected by Australian copyright law. You may not reproduce, distribute, or modify any content without our written consent.
7. Website Availability
We make reasonable efforts to ensure this website is available at all times but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any part of the website without notice.
8. Limitation of Liability
To the maximum extent permitted by law, Sovereign Lending excludes all liability for any loss or damage arising from your use of this website or reliance on any information contained herein. This includes, without limitation, indirect or consequential loss.
9. Third-Party Links
This website may contain links to third-party websites. We are not responsible for the content, privacy practices, or terms of use of any linked websites. Access to these sites is at your own risk.
10. Governing Law
These terms are governed by the laws of New South Wales, Australia. Any disputes arising from your use of this website will be subject to the exclusive jurisdiction of the courts of New South Wales.
11. Changes to Terms
We reserve the right to update these terms at any time. Changes take effect immediately upon posting to this website. Your continued use of the website constitutes acceptance of any modified terms.
Contact
Sovereign Lending Pty Ltd
Level 12, 60 Martin Place, Sydney NSW 2000
Email: hello@sovereignlending.com.au
Phone: 02 8000 1234