Disclaimer

1. General information only

The information provided on this website by Tulip Finance Pty Ltd ("Tulip Finance", "we", "us" or "our") is provided for general information and educational purposes only.

Unless we expressly state otherwise, information on this website has been prepared without taking into account your individual objectives, financial situation, requirements or needs.

Information on this website should not be treated as personal financial, investment, taxation, accounting or legal advice. Before making a financial decision, you should consider your individual circumstances and obtain appropriate professional advice where required.

2. Mortgage and finance information

Information about home loans, investment loans, refinancing, commercial finance, personal lending, vehicle finance, equipment finance and other lending products is general in nature.

Your eligibility for a particular loan or finance product will depend on your individual circumstances and the lender's assessment, policies and lending criteria.

Loan approval is not guaranteed. All applications are subject to lender assessment, eligibility requirements, credit criteria, satisfactory documentation and any other applicable lender conditions.

3. Interest rates, fees and loan products

Interest rates, comparison rates, fees, charges, product features, lending policies and eligibility criteria may change at any time.

Any rate, repayment, fee or product information displayed on this website should be confirmed before you make a financial decision or submit an application.

The loan with the lowest advertised interest rate may not necessarily be the most appropriate loan for your circumstances. Product features, fees, flexibility, eligibility requirements and your financial objectives may also be relevant when considering a lending option.

4. Calculators and estimates

Calculators provided on this website are intended as general tools only and provide estimates based on the information entered and the assumptions used in each calculator.

Calculator results are indicative only. They are not a quote, loan approval, credit assessment, offer of credit or guarantee that a lender will provide finance on those terms.

Actual loan repayments, borrowing capacity, interest costs, loan terms, fees, government charges, stamp duty, grants, concessions, savings and other outcomes may differ from the calculator results.

Differences may arise because lenders use their own calculation methods, servicing policies, interest calculation methods, fees, assessment criteria and rounding conventions.

5. Property purchase costs, grants and concessions

Information relating to stamp duty, property purchase costs, first home buyer concessions, government grants, exemptions and other government schemes is provided as a general guide only.

Eligibility requirements, thresholds, rates and government policies may change. Actual costs and entitlements depend on your circumstances, property, location, transaction and the rules applying at the relevant time.

You should confirm current information with the relevant government authority and obtain appropriate legal or taxation advice before entering into a property transaction.

6. Refinancing and savings estimates

Any refinancing, interest-saving, offset-account or repayment-saving estimate shown on this website is indicative only.

Actual savings will depend on factors including your existing loan balance, interest rate, remaining loan term, repayment behaviour, fees, discharge costs, refinancing costs, new loan terms and future interest-rate movements.

Refinancing may not always result in a financial benefit. Extending the term of a loan, even at a lower interest rate, may increase the total amount of interest paid over the life of the loan.

7. Lenders and product availability

Tulip Finance may have access to products from a panel of lenders and finance providers. We do not necessarily have access to every lender or every lending product available in the Australian market.

The lenders and products considered will depend on the nature of your enquiry, your circumstances, lender eligibility requirements and the lending options available through our lender panel.

References to a lender, bank, finance provider or product on this website do not constitute an endorsement, recommendation or guarantee of approval.

8. External websites and third-party information

This website may contain links to websites, information or services provided by third parties.

These links may be provided for convenience or additional information. Tulip Finance does not control third-party websites and is not responsible for their content, availability, security, accuracy or privacy practices.

You should review the terms, privacy policies and other relevant information provided by third-party websites before using their services.

9. Accuracy and currency of information

We take reasonable care when preparing and maintaining information on this website. However, finance products, lender policies, government rules, interest rates and other information can change frequently.

We do not guarantee that all information on this website will always be complete, current, accurate or suitable for your particular circumstances.

You should verify information that is important to a financial or property decision before relying on it.

10. No guarantee of financial outcome

Examples, scenarios, calculations, case studies and illustrations on this website are provided to explain concepts and possible outcomes.

They should not be interpreted as a guarantee that you will achieve the same or a similar result.

Financial and lending outcomes depend on individual circumstances and can be affected by changes in interest rates, property values, income, expenses, lender policies, economic conditions and other factors.

11. Professional advice

Mortgage and finance broking services are different from legal, taxation, accounting, financial planning and investment advice.

Where a decision involves legal, taxation, accounting, financial planning or investment matters, you should obtain advice from an appropriately qualified professional.

12. Website availability

We aim to keep this website available and operating correctly, but we do not guarantee uninterrupted access. The website or particular features may occasionally be unavailable due to maintenance, technical issues or circumstances outside our control.

13. Limitation of liability

To the maximum extent permitted by law, Tulip Finance excludes liability for loss or damage arising from reliance on general information, estimates or calculator results provided on this website, except to the extent that liability cannot lawfully be excluded or limited.

Nothing in this disclaimer is intended to exclude, restrict or modify any right or remedy that cannot lawfully be excluded, restricted or modified under applicable Australian law.

14. Our credit representative details

Tulip Finance Pty Ltd provides mortgage and finance broking services as a credit representative of Outsource Financial Pty Ltd, Australian Credit Licence 384324.

15. Contact us

If you have a question about information appearing on this website or would like to discuss your individual finance circumstances, please contact us.