Terms of Use

Agreement to Terms

By accessing and using the Mortgage Quote Australia website (www.mortgage-quote.com.au), you agree to be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this website.

Informational Purpose Only

The content on this website, including all calculators, articles, guides, and other materials, is provided for general informational purposes only. The information does not constitute financial advice, credit advice, or any other form of professional advice.

Important: Mortgage Quote Australia:

• Is not a licensed financial adviser
• Is not a mortgage broker or credit representative
• Does not provide personal financial recommendations
• Does not endorse or recommend any particular lenders or financial products
• Is not affiliated with any banks, lenders, or financial institutions

Calculator Accuracy and Limitations

Our mortgage calculators are designed to provide estimates based on the information you input and standard Australian mortgage formulas. However:

• Results are estimates only and should not be relied upon as exact figures
• Actual loan repayments, borrowing capacity, and costs may differ significantly
• Each lender has their own assessment criteria, fees, and policies
• Interest rates, government policies, and lending practices change over time
• Calculator results do not account for all fees, charges, or individual circumstances

Always seek formal quotes and advice from licensed professionals before making financial decisions.

No Guarantee of Loan Approval

The borrowing power estimates and other calculations provided on this website do not guarantee that you will be approved for a loan of any amount. Loan approval depends on a comprehensive assessment by the lender of your complete financial situation, credit history, employment status, and other factors not captured by our calculators.

Intellectual Property

The content on this website, including but not limited to text, graphics, logos, images, and software, is the property of Mortgage Quote Australia and is protected by Australian and international copyright laws. You may not:

• Reproduce, distribute, or republish any content without written permission
• Modify or create derivative works from our content
• Use our content for commercial purposes without authorisation
• Remove any copyright or proprietary notices from our materials

User Conduct

When using this website, you agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorised access to any portion of the website
• Interfere with or disrupt the website or its servers
• Use automated systems or software to extract data from the website
• Transmit any viruses, malware, or other harmful code
• Impersonate any person or entity

Third-Party Links

This website may contain links to third-party websites or resources. These links are provided for your convenience only. We have no control over the content of external sites and do not endorse or accept responsibility for:

• The accuracy or reliability of information on third-party websites
• The privacy practices of third-party websites
• Any products or services offered by third parties

Disclaimer of Warranties

This website and its content are provided "as is" and "as available" without any warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the website will be uninterrupted, error-free, or secure
• Warranties regarding the accuracy, reliability, or completeness of any content

Limitation of Liability

To the maximum extent permitted by Australian law, Mortgage Quote Australia and its owners, operators, and contributors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to:

• Your use of or inability to use this website
• Any errors or omissions in our content or calculators
• Any financial decisions you make based on information from this website
• Any unauthorised access to or use of our servers
• Any interruption or cessation of transmission to or from our website

Indemnification

You agree to indemnify and hold harmless Mortgage Quote Australia and its owners, operators, and contributors from any claims, damages, losses, or expenses (including legal fees) arising out of your use of this website or your violation of these Terms of Use.

Governing Law

These Terms of Use shall be governed by and construed in accordance with the laws of Australia. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of Australia.

Changes to Terms

We reserve the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the website. Your continued use of the website after any changes constitutes acceptance of the new terms.

Severability

If any provision of these Terms of Use is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms of Use, together with our Privacy Policy, constitute the entire agreement between you and Mortgage Quote Australia regarding your use of this website.

Contact

If you have any questions about these Terms of Use, please contact us via our Contact Page.