Terms of Use
The ground rules for using this website and its calculators. Plain English, no surprises.
These terms apply to thefinancefamily.com.au and everything on it (the "site"), operated by The Finance Family Pty Ltd ("we", "us"). By using the site you agree to them. If you don't, please don't use the site. Last updated 3 September 2026.
What the site is — and isn’t
Everything on this site is general information. It doesn’t take your objectives, financial situation or needs into account, and it isn’t credit advice or an offer of credit. Personal advice only happens when you speak with one of our brokers and we’ve looked at your full situation.
We work hard to keep the site accurate and current, but lender policies, rates, grants and duty schedules change without notice. Don’t make a financial decision on the strength of a web page alone — talk to us first.
Our calculators and tools
The calculators give indicative estimates from the figures you enter and from published, generalised assumptions. They are educational tools, not a loan assessment or an approval. A result that says a scenario “works” is not a promise that any lender will agree; a result that says it doesn’t is not a refusal — real assessments differ from lender to lender, which is exactly why our brokers exist.
Some tools send the figures you enter to our own calculator service to work out the result. Those figures are used only to produce your answer and are not stored, unless you choose to send them to us — for example by booking a chat, where your results ride along with the booking so you don’t have to explain everything again.
Acceptable use
The site and its tools are for your personal, non-commercial use in finding out about home loans and, if you choose, getting in touch with us. You may not:
- Access the site or its calculator services by automated means — bots, scrapers, crawlers, scripts or bulk querying — other than search-engine indexing of our pages in line with our robots.txt.
- Systematically retrieve, sweep or probe our calculators or their services to extract, reconstruct or reverse-engineer the assumptions, parameters, logic or data behind them, or work around any rate limit or access control we apply.
- Copy, reproduce, republish, frame or embed the site, its content, its calculators or their outputs — in whole or in part — on another website, app or product, or use them to build or train a competing tool or service.
- Misrepresent your identity or affiliation, submit false information through our forms, or use the site in a way that is unlawful, harms us or others, or interferes with the site’s operation or security.
Quoting a short passage with a link back to the page is fine. If you’d like to use our content or tools in any other way, ask us — we’re usually happy to talk.
Intellectual property
The site’s content, design, branding, illustrations, copy, calculators, the way they are structured and the results they produce belong to The Finance Family Pty Ltd or our licensors, and are protected by copyright and other intellectual-property laws. Nothing on the site gives you a licence to any of it beyond viewing and using the site as intended.
Lender names and logos shown on the site belong to their owners and appear only to describe the lenders we can arrange finance with.
Links, lenders and third parties
The site links to third-party sites and services — lenders, government revenue offices, our referral partners, booking tools. We don’t control them and aren’t responsible for their content, terms or privacy practices. A link isn’t an endorsement.
Liability
Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy you have under the Australian Consumer Law or any other law that can’t be excluded. Otherwise, to the extent permitted by law, we don’t accept liability for loss or damage arising from your use of the site or reliance on its content or calculator results, including loss caused by errors, omissions, interruptions or third-party content.
Privacy
How we collect, hold, use and protect your personal information is set out in our Privacy Policy at thefinancefamily.com.au/privacy, which forms part of these terms.
Changes to these terms, and governing law
We may update these terms from time to time; the current version is always the one published here, with the date it was last updated shown at the top. Continuing to use the site after a change means you accept the updated terms.
These terms are governed by the laws of Victoria, Australia, and you agree to the non-exclusive jurisdiction of its courts.
This site provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances; your full financial situation will need to be reviewed prior to acceptance of any offer or product. Subject to lenders' terms and conditions — fees, charges and eligibility criteria apply.