Credit Guide

Key Inf ormation:

This Credit Guide & Quote is provided by ROBE FINANCIAL SERVICES ATF THE ROBE TRUST, ABN 44 118 752 891, ACL #517852. Our address is 6A BARETTA ROAD WANGARA WA 6065 AU. Our contact details are phone – 1300249400 and email via

Our Credit Services:

We will assist you to select a loan or lease to meet your needs. The credit providers we most commonly use are Secure Funding (Liberty), Pepper
Money, Latitude Financial Services, Branded Financial Services, WISR and Plenti, although we do use others.

Information we will require f rom you:

We are obliged to ensure any loan or lease we suggest or assist you to apply for, including an increase to an existing credit limit, is not unsuitable for
your purposes. This includes if the loan or lease does not meet your requirements or objectives, if you are unable to make the repayments, or you
could only do so with substantial hardship. Therefore, we will need some information from you. It is important that the information you provide is
entirely accurate.

Copies of our Assessment:

At any time within 7 years of us providing you with credit assistance, you may request a copy of the preliminary credit assessment. We will provide you
with this documentation within 7 business days of receiving your request. However, if your request is more than 2 years after the date of our Credit
Quote, we may take up to 21 business days after receiving the request.

Fees payable by you to us:

We may charge you up to $1500 (incl. GST) as an Origination Fee for our services when providing credit assistance, although this is only payable should
the loan proceed. It is a one-off fee, payable at loan settlement. This fee may be paid directly to us, or part of the loan disbursements. If via loan
disbursement, this will increase your loan by the fee amount.

Fees payable by you to third parties:

When the application for a loan or lease is submitted and ultimately proceeds to settlement, you may be required to pay fees to third parties
associated with the application; such as the credit provider’s application fee, security registration fee, inspection fee or other fees. If applicable, these
will be detailed in the Credit Proposal document and provided to you before you apply for finance. You can ask us how they are worked out.

Commissions received by us:

Commissions may be payable to us by the credit provider for any loan or lease that is settled. The amount varies between lenders and the amount of
credit that you receive. These are not directly payable by you, and these will be disclosed within the Credit Proposal document that will be provided to
you before applying for finance. You can ask us for an estimate of these commissions and how they are worked out.

Commissions payable by us:

If you are referred to us by a third party, we may pay that entity a commission for the introduction of your business. For example, we may pay
commissions to real estate agents, car or boat dealerships and accountants. These commissions are not directly payable by you. You can ask us for
an estimate of these payments and how they are worked out.


We hope that you’re pleased with our service, although if you do have a complaint you can contact our Complaints Officer on – 1300249400 and
email via or mail to the address listed in the ‘Key Information’ section above. Please provide us with as much detail as
possible in your complaint so we can address promptly and hopefully resolve it to your satisfaction. If you are not satisfied with the outcome of our
attempt to resolve your complaint, you may refer the matter to the Australian Financial Complaints Authority Australia on phone 1800 931 678 or by
writing to GPO Box 3 Melbourne VIC 3001. The Australian Financial Complaints Authority Australia is a no-charge external and independent dispute
resolution service.