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Refi Home Loan

Terms & Conditions

Effective Date: 02/04/2025

Last Updated: 02/04/2025

These Terms and Conditions (“Terms”) govern your use of the website located at www.refihomeloan.com.au (the “Website”), operated by Refi Home Loan, a division of KOALIFY GROUP PTY LTD (ABN [Insert ABN]) (“Refi”, “we”, “our”, or “us”).

By accessing or using the Website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Website.


1. Who We Are

Refi Home Loan is an Australian mortgage broker that offers home loan comparisons, calculators, and access to a panel of lenders. We help users explore mortgage options and apply for loans via our online platform, without charging any fees to customers. We are paid commissions by lenders when a loan settles.


2. Eligibility

The Website is intended for use by individuals who:

  • Are aged 18 years or over;

  • Are Australian residents;

  • Are using the Website for personal, non-commercial purposes.

If you do not meet these criteria, please do not use the Website.


3. Services Offered

Through this Website, we provide:

  • Access to a panel of lenders and their home loan products;

  • Online loan comparison tools;

  • Mortgage calculators and educational resources;

  • The ability to submit an enquiry to speak with one of our brokers;

  • Support during the home loan application process.

Please note that we do not require users to register or create an account to use our Website or services.


4. No Financial Advice

All information provided on the Website — including calculators, comparison tools, blog content, and any communication from Refi Home Loan — is of a general nature only.

It does not constitute personal financial advice, legal advice, or taxation advice. You should assess whether any product or service is appropriate for your individual circumstances and seek advice from a licensed financial advisor or other professional as needed.

5. Fees, Commissions & Disclosure

Refi Home Loan does not charge you any fees for using our services. We may receive a commission or referral fee from lenders when you proceed with a loan arranged through us.

We are committed to transparency and will disclose any commission arrangements in line with regulatory requirements.


6. Website Content and Tools

We strive to ensure all content on our Website is accurate and up to date. However, loan rates, features, eligibility, and terms are subject to change at the discretion of individual lenders and are beyond our control.

Loan comparison results and calculator outputs are for informational purposes only and do not guarantee eligibility or loan approval.


7. Restrictions on Use

You must not:

  • Use the Website in a way that breaches any law or regulation;

  • Use the Website to transmit spam, malicious code, or unlawful content;

  • Interfere with the security, functionality, or operation of the Website;

  • Scrape or reproduce Website content without our prior written consent.


8. Third-Party Links and Content

Our Website may contain links to third-party websites (e.g. lenders, credit reporting agencies). These are provided for convenience only. We do not endorse, control, or accept responsibility for their content, terms, or privacy practices.

Accessing any third-party content is done at your own risk.


9. Availability and Changes

We aim to maintain the availability and functionality of the Website, but we do not guarantee uninterrupted access or that it will be free from errors, viruses, or faults.

We may update, suspend, or discontinue any part of the Website at any time without notice.


10. Limitation of Liability

To the maximum extent permitted by law:

  • We are not liable for any direct or indirect loss, damage, or expense arising from your use of or reliance on the Website or its content.

  • Our liability for any breach of a consumer guarantee under the Australian Consumer Law is limited, where permitted, to resupplying the relevant service or covering its cost.


11. Intellectual Property

All content on the Website—including text, images, software, logos, and design—is owned or licensed by KOALIFY GROUP PTY LTD. You may access and use content for personal, non-commercial purposes only.

You may not reproduce, adapt, or distribute Website content without written permission.


12. Privacy

Your use of the Website is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information in accordance with the Privacy Act 1988 (Cth).


13. Jurisdiction

These Terms are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales for any disputes arising from these Terms or your use of the Website.


14. Contact Us

If you have any questions or concerns about these Terms, or our services generally, please contact:

Refi Home Loan
A division of KOALIFY GROUP PTY LTD
Email: support@refihomeloan.com.au

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Refi Home Loan

The images and financial product details, including interest rates, displayed on the Refi Home Loans website are for illustrative purposes only and do not constitute financial advice or product endorsements. Refi Home Loans does not recommend or endorse any specific credit products, and the information provided should not be interpreted as an offer of credit assistance.If you choose to engage with a Refi Home Loans expert through our website or app, credit assistance may be provided at that stage. You will receive all necessary disclosures, documentation, and relevant information before proceeding. Your access to and use of this website and its services are subject to our Terms & Conditions and Privacy Policy.

KOALIFY GROUP PTY LTD trading as Refi Home Loans. ABN 43673755130. Credit Representative Number 557851 is authorised under Australian Credit Licence Number 389328. All Rights Reserved.