Credit guide

About us

Handle Finance, trading as Rate Engine, is Authorised Credit Representative 566998 of Outsource Financial Pty Ltd, Australian Credit Licence 384324. We provide credit assistance in relation to home loans, investment loans and refinancing.

Our lender panel

We have access to 30+ lenders. [Insert the licensee's current lender panel, or a statement that the full list is available on request, and the six lenders most used in the past financial year if required.]

Best interests duty

We are required by law to act in your best interests when providing credit assistance and to prioritise your interests if there is a conflict.

Our assessment

Before we recommend a loan, we must make reasonable inquiries about your requirements, objectives and financial situation, verify your information and assess that the loan is not unsuitable for you. You can ask for a copy of our preliminary assessment.

Fees and commissions

• Fees to you: we do not charge you a fee for credit assistance. [Confirm.]
• Commission: we and our licensee may receive an upfront and an ongoing commission from the lender. [Insert the licensee's commission ranges.] Exact amounts are shown in your credit proposal before you proceed.
• Cashback: on loans of $1,000,000 or more we pay eligible clients $1,000, as set out in our offer terms.
• Referrals: [Disclose any referral arrangements and payments.]

Complaints

Contact us first at [email] or [phone]. If your complaint is not resolved, you can contact our licensee's complaints officer at [details]. If you are still not satisfied, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution scheme, at www.afca.org.au or 1800 931 678. [Insert the licensee's AFCA membership number.]

Contact us

Handle Finance trading as Rate Engine, [address], [email], [phone].