Our services

As The Happy Finance Company, we act as finance brokers and provide you with information and assistance in obtaining loans and credit contracts. We will provide you with information on the types of loans and credit contracts that are available and assist you in the application process by arranging offers from lenders. Please note that we do not provide legal or financial advice, and the information we give you is of a general nature only. We recommend that you seek your own independent legal and financial advice for your specific situation. By entering into this agreement, you agree that you have relied on your own inquiries and advice in regard to the financial and legal implications of the loan.

Our brokers are committed to putting your finance needs first and providing you with transparent information on products, fees, charges, and any conflicts of interest. They will communicate in a way that is easy to understand and act with the highest standards of integrity to ensure that the loan selected will meet your needs and be in your best interests.

Our panel of lenders

We are authorised to assist you in obtaining loans from a panel of over 40 lenders. These lenders are subject to you meeting their credit criteria, and we have agreements in place with them to obtain credit on your behalf. Please note that these lenders may not represent all the lenders who offer the type of credit you are seeking. We may also consider entering into agreements with other lenders who are not part of our standard panel.

Fees and charges payable by you in relation to our credit assistance

You will not have to pay any fees for most loan types as we are paid by the lender for the work we do. For some types of loans such as commercial loans, short-term loans, or loans where we do not earn industry standard commissions, we may charge you a brokerage fee. If we do charge a fee, we will make sure to disclose it to you upfront. If we decline to take on your loan or if the lender declines your loan, there will be no fees for our services.

Other fees and charges

Please note that you may have to pay other fees and charges (such as application fees, valuation costs, etc.) to the lender or other parties. You should review the loan contract documentation for more information on these fees and charges.

How we get paid

Our aggregator receives commission from the lenders and then pays us commission in relation to loan contracts. An upfront commission is payable by the lender after the loan is settled, and it is calculated as a percentage of the loan amount. Trail commission is calculated monthly on the outstanding loan balance and is paid in arrears.

You will not have to pay the upfront or trail commissions as they are paid by the lender. The commission we receive will be included in the Summary of Requirements and Credit Proposal document we will provide you with when we assist you with credit.

From time to time, we may receive non-commission benefits from the lender or aggregator, such as training, gifts, conference attendance, etc. These benefits are not paid by you and will not influence the choice of loan. If we receive any such benefits while assisting you, we will disclose them to you.

Our website and promotional material

The information provided on our website and in our promotional materials, such as on our social media pages or other advertising outlets, is intended to serve as general guidance only. It does not guarantee loan approvals from any financial institutions or lenders. Interest rates may fluctuate and are contingent on various factors, including the borrower's credit history. The terms and conditions of loans and loan processes are determined by the lender.

Please note that the information on our website and promotional materials is intended to provide general information and does not take into account your personal financial goals, situation, or needs. Before making any financial decisions, we advise you to seek professional advice and consider whether the information is suitable for your particular circumstances. This information does not substitute for legal, tax, or financial advice and should not be relied upon without seeking additional guidance.

The Happy Finance Company assumes no liability or responsibility for any individual or organization that uses the information presented on our website.

We cannot guarantee loan eligibility and an application must be submitted to a lender to determine eligibility. Even if a loan is pre-approved, the lender may choose to decline the loan or withdraw their unconditional approval. Therefore, there is always a level of risk associated with loan applications.

Accuracy of our information

We strive to ensure that the information on our website is accurate and up-to-date. However, we cannot guarantee the accuracy of the information and make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.

Copyright

We, The Happy Finance Company, are the owners of all the content on our website, except for those specifically indicated as belonging to others. Our website content is protected by intellectual property laws and regulations, and any unauthorised use of it may result in legal consequences. Additionally, our logo is a trademarked representation of our brand and its use without our prior written consent is strictly prohibited. If you wish to use any of our content, please ensure that you comply with the requirements outlined in this document.

Republishing our content

You are welcome to republish or quote from our content, as long as you provide a clear and visible link to the source of the information, with no "no follow" tag. If we see that you have used our content, we reserve the right to ask you to remove it. If you're interested in having us write a guest article for your website, please contact us.

No legal or financial advice

Please note that the information on our website should not be considered legal or financial advice. If you need specific advice for your situation, we recommend consulting with a professional such as a lawyer or accountant.

Your conduct on our website

We ask that you use our website for lawful purposes only and that you refrain from posting any harassing, defamatory, obscene, harmful, or unlawful material. Our home loan forum and comments section are monitored closely, and any violators will be banned.

Content from other sources

From time to time, we may publish content from other sources if they have given us permission to do so. Additionally, non-employees of The Happy Finance Company may use our forums. The opinions, advice, statements, services, offers, and other information made available by these people are solely their own and we are not responsible for them.

Governing Law

These terms and conditions will be interpreted and governed by the laws of Queensland, Australia.