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Complete Lending Solutions Est 2002

Get in touch | cls@cls.com.au | 0427 257 257

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Comparing

home loan interest rates

just got easier.

That’s not Transparency

The major banks, their subsidiaries and a few other banks do not publish their best home loan interest rates on their respective websites
and require a ‘discretionary pricing’ request to reveal their actual home loan interest rates. We believe this is wrong because it is not
transparent and withholds valuable interest rate pricing information from the borrower for the benefit of the lender.

It Got the Attention of the ACCC

On 5 April 2018, Rodd Simms, Chairperson of the Australian Competition and Consumer Commission said, “It is extremely difficult for
consumers to compare the home loan rates offered by different lenders because the headline price is a starting price and the actual
interest rate may be as much as 78-139 basis points below the advertised rates”.

He added, “What’s more, the size of the discount from the headline rate may only be revealed deep in the application process, which
means borrowers essentially need to go through the time-consuming process of lodging an application with multiple lenders in order to
make an informed decision”.

This is Transparency

creditbroker.com.au helps you compare home loan interest rates fast, efficiently and without obligation.

Will sharing this bring value to others, even if it doesn’t benefit our company?     that’s transparency.

Independence

For those who place a high premium on accuracy, let me assure you: Your contact and loan enquiry details are not sold for money to others
or auctioned to the highest bidder; and lenders are not charged fees for displaying their interest rates.

Any enquiry you make that results in a loan helps us maintain the website and defend its independence.

Please be patient whilst we are building the website that we, as consumers, would want to use.

Ownership

creditbroker.com.au is owned by Complete Lending Solutions Pty Limited ABN 96 101 182 987 Australian Credit License 378240.

Complete Lending Solutions is not restricted to using lenders from a panel or loan products from a sales list.
We hold our own Australian Credit License; we are not a franchise or a controlled business arrangement.
We can advise on –

Credit Products

Owner Occupied Home Loans | Residential Investment Loans | Commercial Property Loans |
Construction Loans | Development Finance | Refinance | Loan Reviews |
SMSF Self-Managed Super Fund Borrowing | Medical Packages | Waived LMI |
Low Deposit Home Loans | Security Family Guarantor Loans |
Second Mortgages | Debtor Finance | ATO Tax Debts | and more …

Borrowers

First Home Buyers | Property Investors | PAYG applicants | Self-Employed Applicants |
Discretionary, Unit or Hybrid Trust Borrowers | Company Borrowers | SMSF Superfunds |
Australian Expats | Non-Resident Loans | and more …

Interest Rate Risk Management

Compare Performance of Fixed Term Interest Rates and Variable Interest Rates | and more …

We are a 100% privately owned credit brokerage.

Another reason why we embrace transparency, even in interest rates – we have to,
because it is in the best interest of our clients.