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Contact Details

Mailing Address:
PO Box 1183
Palm Beach, Queensland, Australia 4221

Office Location:
43 Larch Street
Tallebudgera, Queensland, Australia 4228

Complaints Handling

If you have a concern or complaint about any aspect of our service, including the way your personal information has been handled, please contact us in the first instance. We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe in accordance with our internal complaints procedure.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority (AFCA) — an independent external dispute resolution scheme approved by ASIC:

For complaints relating specifically to privacy or the handling of personal information, you may also contact the Office of the Australian Information Commissioner (OAIC):

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Any personal information you provide via this website will be handled in accordance with our Privacy Policy. We collect this information to respond to your enquiry, manage your request, and, where applicable, refer you to a licensed professional. You can request access to or correction of your personal information at any time by contacting us in writing.

Licensing and Regulatory Information

This website is operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust), located at 43 Larch Street, Tallebudgera QLD 4228, A.C.N. 010 281 008.

Clark Family Pty Ltd is an Authorised Credit Representative of Saccasan Pty Ltd (Australian Credit Licence No. 386297) and an Authorised Representative of Unique Group Broker Services (Australian Financial Services Licence No. 509434).

For more information about licensing and regulatory matters, please visit the ASIC website.

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Finance Articles

Understanding No-Credit-Check Loans: A Lifeline for Managing Financial Stress Wisely
Understanding No-Credit-Check Loans: A Lifeline for Managing Financial Stress Wisely
Financial stress can feel like an unstoppable force, a cycle of worry that impacts not only our peace of mind but also our fiscal health. It represents the anxiety and pressure associated with the inability to meet financial obligations, be it due to unforeseen expenses, unemployment, or a plethora of other reasons. - read more
How Your Credit Score Affects Loan Approval and Interest Rates
How Your Credit Score Affects Loan Approval and Interest Rates
Your credit score is a crucial part of your financial health. Essentially, it’s a numerical representation of your creditworthiness, calculated based on your credit history. In Australia, credit scores range from 0 to 1200, with a higher score indicating better creditworthiness. - read more
Maximize Your Loan Options without a Credit Footprint: Strategies to Know
Maximize Your Loan Options without a Credit Footprint: Strategies to Know
As we navigate the complexities of today's economy, the significance of credit can scarcely be overstated. Whether we're considering a home mortgage, a new car, or managing our personal finances, our credit health often dictates the terms and accessibility of financial support. A robust credit score can open doors to favorable loan terms and rates, while a poor score can narrow our options and cost us more in the long run. - read more
What to Do if You've Been Denied a Loan Due to Your Credit Score
What to Do if You've Been Denied a Loan Due to Your Credit Score
Your credit score is a critical number that plays a significant role in your financial life. It represents your creditworthiness, or in simpler terms, how reliable you are in repaying borrowed money. - read more
Understanding Your Credit Footprint: Borrowing Strategies to Keep Your Score Intact
Understanding Your Credit Footprint: Borrowing Strategies to Keep Your Score Intact
Understanding the mechanics behind credit scores is pivotal for anyone navigating the intricate world of finance. A strong credit score does not only unlock the gates to a plethora of borrowing options but also secures favorable interest rates, which can save you a substantial amount of money over time. It acts as a financial passport, one that enables you to achieve milestones such as purchasing a home or car with ease. - read more
Steps to Take Immediately During a Financial Crisis: A Credit-Friendly Approach
Steps to Take Immediately During a Financial Crisis: A Credit-Friendly Approach
A financial crisis can come in many forms, such as a job loss, unexpected medical bills, or an economic downturn. These events can drastically alter your financial stability and may lead to financial distress. - read more
Choosing the Right Loan for Your Personal Needs in Australia
Choosing the Right Loan for Your Personal Needs in Australia
Choosing the right loan can be a pivotal decision in your personal financial journey. In Australia, where a diverse range of loan options is available, selecting the loan that aligns perfectly with your needs is more crucial than ever. A judicious choice can help you fulfill your dreams—be it buying a new home, investing in education, or consolidating debt—while ensuring that the repayments remain manageable and do not lead to financial strain. - read more
Quick and Easy Tips to Boost Your Loan Approval Odds Without Affecting Credit
Quick and Easy Tips to Boost Your Loan Approval Odds Without Affecting Credit
Loan approval can often be a crucial milestone in achieving your financial goals. Whether you're looking to buy a home, pay for education, or consolidate debt, securing a loan can provide the financial boost you need to move forward. - read more
Effective Debt Management Tips for Young Adults
Effective Debt Management Tips for Young Adults
Managing debt effectively is crucial for young adults, especially as they start building their financial independence. Understanding how to manage debt properly can help you avoid financial pitfalls and set you up for a stable future. - read more
How to Use Credit Cards Wisely to Enhance Your Credit Score
How to Use Credit Cards Wisely to Enhance Your Credit Score
Your credit score is more than just a number; it's a reflection of your financial health. Essentially, it’s a numerical expression that represents your creditworthiness. Lenders use this score to assess the level of risk involved in lending you money. - read more

Finance News

APRA's New Cap on High Debt-to-Income Home Loans Explained
APRA's New Cap on High Debt-to-Income Home Loans Explained
24 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This measure is designed to address concerns over escalating property prices and the potential for financial instability. - read more
ASIC's Findings on Private Lending: What Investors Need to Know
ASIC's Findings on Private Lending: What Investors Need to Know
24 Dec 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has raised significant concerns regarding the private lending sector, emphasising the need for enhanced transparency and adherence to best practices. This scrutiny comes in response to the sector's rapid growth and its increasing role in the financial market. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
The Rise of Non-Bank Lenders: Flexible Options for Australian Borrowers
The Rise of Non-Bank Lenders: Flexible Options for Australian Borrowers
24 Dec 2025: Paige Estritori
In the evolving landscape of Australia's financial sector, non-bank lenders are experiencing a surge in popularity among borrowers seeking more flexible loan terms. This trend is particularly notable among individuals who may not meet the stringent criteria set by traditional banks. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
APRA Implements Cap on High Debt-to-Income Home Loans
APRA Implements Cap on High Debt-to-Income Home Loans
16 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change to address emerging risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This proactive measure aims to curb potential financial instability arising from escalating property prices and increased credit growth. - read more
Australian Banks Tighten Policies on Trust and Company Lending
Australian Banks Tighten Policies on Trust and Company Lending
16 Dec 2025: Paige Estritori
In response to emerging regulatory concerns, two of Australia's major lenders, Macquarie Bank and the Commonwealth Bank of Australia (CBA), have introduced new restrictions on lending to trusts and companies. - read more
APRA Implements Cap on High DTI Home Loans to Address Housing Market Concerns
APRA Implements Cap on High DTI Home Loans to Address Housing Market Concerns
08 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This measure is designed to address concerns over escalating property prices and the potential for financial instability. - read more
Commonwealth Bank Raises Alarm Over Surging Home Loan Demand
Commonwealth Bank Raises Alarm Over Surging Home Loan Demand
08 Dec 2025: Paige Estritori
The Commonwealth Bank of Australia (CBA), the nation's largest lender, has voiced concerns over the current surge in home loan demand, suggesting it may be contributing to escalating property prices and potential financial instability. CEO Matt Comyn emphasized that while the bank benefits from increased housing credit, a more moderate growth rate would better support long-term financial stability and housing market accessibility. - read more
Major Australian Banks Reduce Dependence on Mortgage Brokers
Major Australian Banks Reduce Dependence on Mortgage Brokers
08 Dec 2025: Paige Estritori
Australia's 'Big Four' banks—Commonwealth Bank of Australia (CBA), National Australia Bank (NAB), Westpac, and ANZ—are strategically reducing their reliance on mortgage brokers in response to squeezed profit margins resulting from lower interest rates, rising operational costs, and intense market competition. Currently, mortgage brokers account for approximately 80% of new home loans in Australia, a significant increase from 50% six years ago. However, banks are now focusing on more profitable, in-house mortgage origination channels. - read more
Australian Housing Market Forecast: 7% Price Increase Expected in 2026
Australian Housing Market Forecast: 7% Price Increase Expected in 2026
30 Nov 2025: Paige Estritori
Recent analyses indicate that Australian home prices are set to rise by approximately 7% in 2026, an upward revision from earlier projections of 5.6%. This anticipated growth is primarily attributed to a constrained housing supply coupled with resilient demand, particularly in major urban centres such as Sydney, Melbourne, Brisbane, Adelaide, and Perth. - read more
Australian Stock Market Achieves 10% Growth in Financial Year 2025 Amid Global Challenges
Australian Stock Market Achieves 10% Growth in Financial Year 2025 Amid Global Challenges
30 Nov 2025: Paige Estritori
The Australian stock market has demonstrated remarkable resilience, with the S&P/ASX 200 index recording a 10.2% gain over the 2025 financial year. This performance comes despite a backdrop of global economic uncertainties, including geopolitical tensions and fluctuating commodity prices. - read more

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Knowledgebase
Asset-Backed Security (ABS):
A financial security backed by a pool of assets, such as loans, leases, credit card debt, royalties, or receivables.


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