Terms of Use

01General advice warning

The information on this website is general in nature and does not constitute personal financial, credit, or legal advice. It has been prepared without taking into account your objectives, financial situation, or needs.

You should consider whether the information is appropriate to your circumstances and seek independent advice before making any financial decision.

02Use of calculators and tools

Our borrowing power, repayment, refinance, stamp duty, and comparison calculators are provided as a guide only. Results are estimates based on the inputs you provide and standard assumptions; they are not a quote, a pre-approval, or a guarantee of borrowing capacity or interest rates.

Actual loan amounts, repayments, fees, and eligibility will depend on a full assessment by a lender.

03Client portal

The client portal allows you to upload documents for review by your broker. You are responsible for ensuring the documents you upload are accurate and that you have the right to share them. You must not upload content that is unlawful, misleading, or infringes the rights of others.

Access to the portal is restricted to authorised users. You are responsible for keeping your login credentials confidential.

04Intellectual property

All content on this website, including text, graphics, logos, and tools, is owned by or licensed to Next Step Financing and protected by Australian and international intellectual property laws. You may view and print content for personal, non-commercial use only.

05Third-party links

This website may contain links to third-party websites, including lender websites and Calendly. We are not responsible for the content, privacy practices, or accuracy of those external sites.

06No warranty

While we endeavour to keep information on this website current and accurate, we make no warranties about its completeness, accuracy, or reliability. To the extent permitted by law, we exclude all liability for loss or damage arising from your use of, or reliance on, this website.

07Changes to these terms

We may update these terms from time to time. The updated version takes effect when published on this website. Continued use of the website after changes constitutes acceptance of the new terms.

08Governing law

These terms are governed by the laws of the State of Victoria and the Commonwealth of Australia. Any dispute is subject to the exclusive jurisdiction of the courts of Victoria.