Responsible Lending

Our approach to credit advice and assistance involves us gaining a thorough understanding of your situation and establishing your needs and objectives for the credit that you are seeking. Our team of dedicated and experienced lending managers will only recommend a loan where we believe there is a benefit to the applicant. 

We comply with guidelines set out by the National Consumer Credit Protection Act. (NCCP). All our credit advisors receive regular product and compliance training required to meet professional qualifications and competency standards as part of industry requirements. Red Rock Mortgages is a member of the Finance Brokers Association of Australia (FBAA) and the Credit & Investments Ombudsman (CIO). All our advisers subscribe to follow ethical and professional practices

Upon initial contact we’ll discuss generally what you are looking for, your circumstances and general financial position including any known credit history. We can arrange to meet or discuss further by phone depending on circumstances.  Once we have a good understanding of your objectives and financial situation. Common documents you will receive from us during your loan application process include;

Requirements & Objectives

This is a questionnaire which is part of our preliminary assessment that enables us to assess and understand your needs and objectives in relation to the credit sought. 

Credit Quote

This document outlines the estimated costs associated when engaging our services for credit assistance.

Credit Proposal Disclosure Document

The proposal document sets out the estimated costs of the proposed credit including disclosure to you of any commissions we may receive or pay to third parties. It also outlines the terms of your engagement with us.

Credit Guide

Our credit guide provides you with preliminary information about us and our services including our dispute resolution scheme details.

Throughout the application approval process we will then assist you in working through the process from start to finish and offer post settlement support service for the life of your loan