Change of Terms
Limitation of Liability
Zar Mortgage Brokers has the right at any time to change or modify the terms or conditions applicable to the use of this site.
How should I act on the information provided at this site?
The Zar Mortgage Brokers Home Loan Information Site and Real Estate Information Site is provided on an "as is" basis without warranties of any kind, express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to transactions conducted on the Zar Mortgage Brokers site. Your use of this website or the receipt of any information from us or from this website is not intended to create any contractual relationship between us.
The user expressly agrees that use of the Zar Mortgage Brokers site is at the user's sole risk. Neither Zar Mortgage Brokers , its affiliates nor any of their respective employees, agents, third-party content providers or licensors warrant that Zar Mortgage Brokers will be uninterrupted or error-free. Nor do they make any warranty as to the results that may be obtained from use of the Zar Mortgage Brokers site, or as to the accuracy, reliability or content of any information or service provided through the Zar Mortgage Brokers site. The information on this website is liable to change and although we attempt to ensure that the content is current, we do not guarantee its currency as there may be delays, errors or omissions.
This disclaimer of liability applies to any damages or injury from any cause including, without limitation, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, tortuous behaviour, negligence or under any other causes of action. The user specifically acknowledges that Zar Mortgage Brokers and is no liable for the defamatory, offensive or illegal conduct of other users or their parties and that the risk of injury from the forgoing rests entirely with the user. Zar Mortgage Brokers is not responsible to you or anyone else for any loss suffered in connection with the use of this website or any of the content. This includes, but is not limited to, the transmission of any computer virus. We recommend that prior to using any downloaded file, you carry out an appropriate virus check.
In no event will Zar Mortgage Brokers , or its agents or affiliates be liable for any damages, including (without limitation) direct, indirect, consequential, special, incidental or punitive damages arising out of the use (or of inability to use) the Zar Mortgage Brokers site, and the user hereby acknowledges that the provisions of this section shall apply to all content on the Zar Morgage Brokers site.
No material on this website can be reproduced, adapted, distributed or stored in a retrieval system or transmitted without the prior written consent from Zar Mortgage Brokers.
You may print out any content on this website for your personal use. All other use, copying or reproduction of this web site or any part of it is prohibited. Non of the content or any part of it may be reproduced on any other Internet website.
The purpose if this site is to provide you with an information service. If you think you may need investment advice, we suggest you approach a licensed investment adviser. You are also advised to consult with a financial representative prior to the execution of credit documentation with any financial institution. Nothing in this site should be taken by you to be the giving of investment advice. The material on this web site is intended only to provide a summary and general overview on matters of interest. It is not intended to be comprehensive nor does is it constitute professional advice. You should seek legal or other professional advice before acting or relying on any of the content.
Can you see, change or remove your data?
Zar Morgage Brokers will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information.
What information does Zar Mortgage Brokers collect?
You may change your applicant details in conversation with out home loan consultants afterwards. (We call everyone who is matched to a Zar Mortgage Brokers loan.) You may also update it an any time before your loan settles, by calling Zar Mortgage Brokers. We are as keen as you are to ensure that our information about you is accurate.
We can also provide you with a copy of your applicant details at any time, on request, as soon as we confirm your identity.
Who should you contact about privacy issues?
Zar Mortgage Brokers helps you search for the loan that's right for you.
To complete the Zar Mortgage Brokers pre-qualification, you will need to provide personal information known as "applicant details". You'll need to give us your name, address, phone number, email address and financial details.
We also invite you to tick a box on our web site to request information on services which Zar Mortgage Brokers offers or may offer in the future.
Privacy and the law
If you have queries or concerns about the privacy of the information we hold, or if you want it changed, deleted or provided to you, just contact us by email, phone, fax or letter.
Information gathered in Zar Mortgage Brokers home loan applications is handled in accordance with the Privacy Act 1988 (Commonwealth), including the credit provision in Part IIIA and the National Privacy Principles issued by the Australian Privacy Commissioner in September 2001.
Zar Mortgage Brokers
Some mortgage consultants offer a limited choice of home loan products. At Zar Mortgage Brokers, we work with over 30 different lenders – banks, non-bank lenders, building societies and credit unions including all of Australia 's leading lenders.
That's why we can offer a choice of over 800 different loan products. The result – a home loan that is specifically tailored to your requirements.
Free Home Loan Comparison Service
Our consultant will meet with you at your home or office at a time which is convenient to you 7 days a week.
Free service – unlike some other mortgage brokers, there is no charge for our services*. We are paid by the lender for processing your application with them, which saves them advertising and administration.
Reputation – we stand by our reputation. As our business is mainly generated through word of mouth recommendations, we always strive to do our best by our clients. All our mortgage brokers comply with federal and state legislature, and are Members of the Mortgage Industry Association of Australia.
* Free Service on all standard residential lending which comprises over 95% of our business written. A brokerage fee may apply to some commercial loans.
Zar Mortgage Brokers have professional affiliations with Australian Financial Group.
Zar Mortgage Brokers has won excelence awards in years 2004 and 2005 awarded by AFG.
Australian Finance Group (AFG) is an independently owned, Australian company specialising in arranging loans for almost any purpose, in most cases at no charge to the customer.
Ranked as Australia 's number one wholesaler of mortgage finance and amongst the top five wholesalers of mortgage finance in the world, the company acts as a specialist research, training and compliance house for its advisors providing access to a vast array of financial products (800+) from Australia 's leading lending institutions.
Zar Mortgage Brokers is a member of The Mortgage Industry Association of Australia (MIAA) and the Finance Brokers Association of Australia
The Mortgage Industry Association of Australia (MIAA) is a provider of service and representation to mortgage brokers, mortgage managers, mortgage lenders (bank and non-bank), and originators to assist them develop, foster, and promote the mortgage industry.
It advocates ethical business practices, works closely with national and state Governments, offers industry specific education, provides compliance and legal information, runs a consumer information programme and industry networking events.
Zar Mortgage Brokers adhere to a industry Code of Practice which requires professionalism, ethical behaviour, transparency and a commitment to you, the borrower.
Finance Brokers Association of Australia Mission Statement
"To be the 'Leading National Body Representing all Finance & Mortgage Brokers'."