When meeting with a mortgage consultant you can expect: [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_checklist icon="ok" iconcolor="#f49720" circle="no"] Your consultant will visit you at a time and place that is convenient to you. Calculate your exact borrowing capacity. Explain all the fees and charges. Help structuring your loan for maximum savings and flexibility. A hassle free home loan approval experience. Set up your protection facilities to ensure you keep what you worked so hard for. [/fusion_checklist][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

[fusion_builder_container hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" enable_mobile="no" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] Respecting your privacy [/fusion_title][fusion_text] We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers R1 Investments Pty Ltd ACL 422284 and its authorised credit representatives This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.[/fusion_text][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] What personal information do we collect and hold? [/fusion_title][fusion_text] How we collect and hold your information Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date. There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details . How we collect your information from other sources Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where: • we collect information from third parties about the loan or lease made available to you arising out of the services we provide you; • we can’t get hold of you and we rely on public information to update your contact details; or • we exchange information with your legal or financial advisers or other representatives. What if you don’t want to provide us with your personal information? If you don’t provide your information to us, it may not be possible: • for us to give you the credit assistance you seek from us; • to assist in finding a loan or lease relevant to your circumstances; • verify your identity or protect against fraud; or • to let you know about other products or services that might be suitable for your financial needs. How we collect and hold your credit information We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are: • your co-loan applicants or co-borrowers; • your guarantors/proposed guarantors; • your employer, accountant, real estate agent or other referees; • your agents and other representatives like the person who referred your business to us, your solicitors, conveyancers and settlement agents; • organisations that help us to process credit applications; • organisations that check the security you are offering such as valuers; • bodies that issue identification documents to help us check your identity; and • our service providers involved in helping us to process any application you make for credit through us. What do we do when we get information we didn’t ask for? Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it. When will we notify you that we have received your information? When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint. Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. How do we take care of your personal information? We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: • document storage security policies; • security measures for access to our systems; and • only giving access to personal information to a person who is verified to be able to receive that information We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. What happens when we no longer need your information? We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.[/fusion_text][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] How do we collect your personal information? [/fusion_title][fusion_text] General information The types of information that we collect and hold about you could include: • ID information such as your name, postal or email address, telephone numbers, and date of birth; • other contact details such as social media handles; • financial details such as your tax file number; and • other information we think is necessary. When the law authorises or requires us to collect information We may collect information about you because we are required or authorised by law to collect it. There are laws that which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law. What do we collect via your website activity? If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you. If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed. We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum. To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] How we use your personal information [/fusion_title][fusion_text] What are the main reasons we collect, hold and use your information? Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to: • give you credit assistance; • give you information about loan products or related services; • consider whether you are eligible for a loan or lease or any related service you requested; • assist you to prepare an application for a lease or a loan; • administer services we provide, for example, to answer requests or deal with complaints; and • administer payments we receive, or any payments we make, relating to your loan or lease. Can we use your information for marketing our products and services? We may use or disclose your personal information to let you know about about other products or services we or a third party make available and that may be of interest to you. We will always let you know that you can opt out from receiving marketing offers. With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation. Yes, You Can Opt-Out You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable. What are the other ways we use your information? We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including: • identifying you; • telling you about other products or services we make available and that may be of interest to you, unless you tell us not to; • allowing us to run our business efficiently and perform general administrative tasks; • preventing any fraud or crime or any suspected fraud or crime; • as required by law, regulation or codes binding us; and • any purpose to which you have consented.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] Who do we share your personal information with [/fusion_title][fusion_text] To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information. Sharing Your Information We may use and share your information with other organisations for any purpose described above. Sharing with your representatives and referees We may share your information with: • your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and • your referees, like your employer, to confirm details about you. Sharing with third parties We may share your information with third parties in relation to services we provide to you. Those third parties may include: • the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator’s panel; • the Australian Credit Licence holder that authorises us to engage in credit activities; • referrers that referred your business to us; • valuers; • lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries; • organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct; • government or regulatory bodies (including ASIC and the Australian Tax Office) as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities; • guarantors and prospective guarantors of your loan or lease; • service providers, agents, contractors and advisers that assist us to conduct our business; • any organisation that wishes to take an interest in our business or assets; and • any third party to which you consent to us sharing your information. Sharing outside of Australia We are not likely to disclose your information to organisations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] How do you access your personal information? [/fusion_title][fusion_text] How you can generally access your information We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone. We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first. We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when: • we believe there is a threat to life or public safety; • there is an unreasonable impact on other individuals; • the request is frivolous; • the information wouldn’t be ordinarily accessible because of legal proceedings; • it would prejudice negotiations with you; • it would be unlawful; • it would jeopardise taking action against serious misconduct by you; • it would be likely to harm the activities of an enforcement body (e.g. the police); or • it would harm the confidentiality of our commercial information. If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] How do you correct your personal information? [/fusion_title][fusion_text] How we correct your information Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s: • inaccurate; • out of date; • incomplete; • irrelevant; or • misleading. If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing. What additional things do we have to do to correct your credit information? If you ask us to correct credit information, we will help you with this in the following way. Helping you manage corrections Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake. Where we correct information If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing. Where we can’t correct information If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner. Time frame for correcting information If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you. If we can’t make corrections within a 30 day time frame or the agreed time frame, we must: • let you know about the delay, the reasons for it and when we expect to resolve the matter; • ask you to agree in writing to give us more time; and • let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] How do you make a complaint? [/fusion_title][fusion_text columns="" column_min_width="" column_spacing="" rule_style="default" rule_size="" rule_color="" class="" id=""] How do you generally make a complaint? If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us. You can contact us by using the details below Ted Ongarezos Ground Floor 700 Springvale Road Mulgrave VIC 3170 M: 0404 920 929 T: 1300 788 364 E: ted@rateone.com.au We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days. Need more help? If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner: • Online: www.oaic.gov.au/privacy • Phone: 1300 363 992 • Email: enquiries@oaic.gov.au • Fax: +61 2 9284 9666 • Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601 [/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] What additional things do we have to do to manage your complaints about credit information? [/fusion_title][fusion_text] If your complaint relates to how we handled your access and correction requests You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first. For all other complaints relating to credit information If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days. Ask for more time if we can’t fix things in 30 days If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Letting you know about our decision We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.[/fusion_text][/fusion_builder_column][fusion_builder_column type="1_1" layout="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding_top="" padding_right="" padding_bottom="" padding_left="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none" last="no" hover_type="none" link="" border_position="all"][fusion_title hide_on_mobile="small-visibility,medium-visibility,large-visibility" size="3" content_align="center" style_type="default"] Contact Us [/fusion_title][fusion_text] We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback. You can contact us by using the details below: RateOne Home Loans and Financial Planning 1/879 Springvale Road Mulgrave VIC 3170 T: 1300 788 364 E:hello@rateone.com.au What if you want to interact with us anonymously or use a pseudonym? If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when: • it is impracticable; or • we are required or authorised by law or a court/tribunal order to deal with you personally. What do we do with government-related identifiers? In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law. Changes to this Privacy Policy This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website, correspondence via post or e-mail or you may contact us for a copy of the most up to date policy at any time.[/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

At Rate One we aim to provide the very best service for our customers. In the event that you are unhappy regarding any part of our service, we have an Internal Dispute Resolution process in place to assist in satisfying any complaint. In addition to this scheme, Rate One is also a member of the Mortgage and Finance Association of Australia and the Credit Ombudsman Service Limited. [fusion_builder_container hundred_percent="yes" overflow="visible"][fusion_builder_row][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]First Point of Contact for a Complaint:[/fusion_title] Complaints Officer Adam Nelson Director – Rate One Tel: 0422 021 423 Then; Deputy Complaints Officer Ted Ongarezos Director – Rate One Tel: 0404 920 929 The Complaints Officers are senior personnel in our organisation and have the necessary experience and authority to handle your complaint and make relevant decisions on outcomes. The complaint does not need to be in writing and may be presented to us by any reasonable means, for example letter, telephone, email or in person. You can also contact us on/at: 1/879 Springvale Road, Mulgrave, VIC, 3170 P: 1300 788 364 F: 1300 788 365 admin@rateone.com.au Should you not be satisfied with the outcome of our investigation of your complaint you have the option of contacting the Credit Ombudsman Service. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Awareness[/fusion_title] Rate One ensures that at all times all staff and consultants who deal with (or are likely to deal with) customers, are aware of the names, titles and telephone numbers of our Complaints Officer and Deputy Complaints Officer. Each staff member and consultant is also instructed in how to transfer a customer who has a complaint to our Complaints Officer or Deputy Complaints Officer; and what customer details to record if the Complaints Officer and Deputy Complaints Officer are for any reason unavailable (this information will include a minimum of the name, telephone number, and description of the product or transaction to which the customer’s complaint relates). Rate One does not to charge any fee in respect to any complaint. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Investigating a Customer's Complaint[/fusion_title] A customer’s complaint will not be investigated by the Complaints Officer or Deputy Complaints Officer if they are in any way involved in the subject matter of the complaint. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Timeline[/fusion_title] We will provide a written acknowledgement of receipt of your complaint within five business days, unless the complaint is otherwise resolved in the meantime. We will ensure that a substantive response is given to your complaint as soon as possible, but within forty five (45) days of receipt of your complaint. If we cannot respond to your complaint within forty five (45) days, we will inform you of the reasons for the delay and of your right to refer the complaint to the Credit Ombudsman Service. We will have substantially responded to your complaint if we: (a) Accept the complaint and, if appropriate, offer redress, or (b) Offer redress without accepting the complaint; or (c) Reject the complaint. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Written Response to a Customer[/fusion_title] We will give you a written response to your complaint and the reasons for reaching a particular decision on the complaint and will adequately address the issues that are raised in your complaint. Where practicable, our response will refer to applicable provisions in legislation, Codes, Standards or Procedures. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size ="3"]Remedies[/fusion_title] If we accept your complaint and are of the view that it is appropriate to offer redress to you, that redress may be non-financial as well as, or instead of, financial. If we consider that a financial remedy is appropriate then we will provide compensation for any direct loss or damage caused. We will, when determining the appropriate remedy, take into consideration the extent of loss or damage suffered by you, relevant legal principles, the MFAA Code of Practice and other relevant codes of conduct and concepts of fairness and relevant industry best practice. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]External Dispute Resolution[/fusion_title] If the complainant is dissatisfied with the Rate One remedy, you have the right to take the complaint to an External Dispute Resolution company for further investigation. The external Dispute Resolution Company contact details are the Credit Ombudsman Service Ltd (COSL). Contact details for COSL are: Freecall: 1800 138 422 Phone: 02 9273 8400 Fax: 02 9273 8440 Email: info@creditombudsman.com.au www.cosl.com.au [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Data Collection[/fusion_title] We will keep data concerning your complaint in such form and manner as we think fit and will enable analysis according to: (a) Type of complaint; (b) Subject of complaint; (c) Outcome of complaint; (d) Timeliness of response. So that we can identify any systematically recurring problems, we will as far as is practicable and relevant, classify complaints according to the particular provision of the MFAA Code of Practice alleged by you to have been breached. Subject to legal constraints including constraints as to privacy, we will make available data collected in respect of your complaint to the Australian Securities and Investments Commission. [/fusion_builder_column][fusion_builder_column type="1_1" background_position="left top" background_color="" border_size="" border_color="" border_style="solid" spacing="yes" background_image="" background_repeat="no-repeat" padding="" margin_top="0px" margin_bottom="0px" class="" id="" animation_type="" animation_speed="0.3" animation_direction="left" hide_on_mobile="no" center_content="no" min_height="none"][fusion_title size="3"]Review[/fusion_title] We will review our Internal Dispute Resolution Procedures every three (3) years to ensure that our complaints systems are operating effectively. This document was reviewed on 1st January 2014[/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

These are the terms and conditions for use of this site and access to the information contained on this site. Neither Synchron ABN 33 007 207 650, an Australian Financial Services Licensee, nor its authorised representatives KYCU Financial Planning Pty Ltd; Martin Fedmowski, Erol Doganay, Agim Hajdari, Oscar Doren warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. 1. Synchron, its authorised representatives: (a) do not give any warranty or make any representation as to the accuracy, reliability, completeness or security of the information contained in this site and as to changes in circumstances after the date of publication that may impact on the accuracy of the information; (b) may change and update the information from time to time; (c) make no representation in relation to, and are not responsible in any way, for any other site you access through this site; and (d) own the copyright in the information in this site. 2. Any trade marks appearing in this site are the trade marks of a member of the Synchron Pty Ltd. Users must not use or reproduce any of the trademarks that appear in this site. 3. Users of this site must not: (a) do anything to alter or modify the information in this site; (b) use the material in this site for any purpose other than as a source of information for personal use unless authorised to the contrary; (c) distribute, copy or otherwise reproduce in any way any of the material available from this site unless it is expressly authorised; (d) post any material which is defamatory, in breach of copyright, in breach of the Trade Practices Act or otherwise in any way unlawful or inappropriate. 4. Users can print a hard copy of material on this site for their personal use only other than material where this is prohibited by a notice to that effect in this site. 5. The information contained in this site is general information only made available to residents of Australia and its territories and New Zealand and is not intended to be a recommendation, offer or invitation to take up securities or other investments. You should seek advice from an appropriately qualified professional on whether the information is appropriate for your particular needs, financial situation and investment objectives. 6. Synchron ABN 33 007 207 650 is not liable in any way to any person for any loss, damage, cost or expense incurred as a result of the material contained in this site or from unauthorised access to, or any misuse of this site including, without limitation, any negligence. 7. All references in this site to "$" or "dollars" are references to Australian currency unless otherwise stated.

FAQs Archive - RateOne

What does it Cost?

RateOne2014-03-03T08:48:21+10:00

As the licensee we do not charge for our services as get paid a commission by the financier. This commission is not apart of your repayments and does not have a bearing on your interest rate. Our consultants can find the best home loan for your finance needs, saving you time and money. Find out [...]

What does it Cost?RateOne2014-03-03T08:48:21+10:00

What to Bring to your Appointment

RateOne2016-12-07T11:29:10+10:00

Below is a list of information you may need to provide when applying for your loan. Some lenders may ask for additional information on your individual situation. Your mortgage broker will advise you what is needed as you proceed through the home loan application process. 100 points ID (Passport/Drivers licence/Australian State or Territory proof [...]

What to Bring to your AppointmentRateOne2016-12-07T11:29:10+10:00

What to Expect

RateOne2016-12-07T11:29:10+10:00

When meeting with a mortgage consultant you can expect: Your consultant will visit you at a time and place that is convenient to you. Calculate your exact borrowing capacity. Explain all the fees and charges. Help structuring your loan for maximum savings and flexibility. A hassle free home loan approval experience. Set up your [...]

What to ExpectRateOne2016-12-07T11:29:10+10:00

Privacy Policy

RateOne2018-07-18T12:57:43+10:00

Respecting your privacy We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers R1 Investments Pty Ltd ACL 422284 and its authorised credit representatives This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected [...]

Privacy PolicyRateOne2018-07-18T12:57:43+10:00

Dispute Resolution

RateOne2016-12-07T11:29:11+10:00

At Rate One we aim to provide the very best service for our customers. In the event that you are unhappy regarding any part of our service, we have an Internal Dispute Resolution process in place to assist in satisfying any complaint. In addition to this scheme, Rate One is also a member of the [...]

Dispute ResolutionRateOne2016-12-07T11:29:11+10:00

Terms and Conditions

RateOne2016-12-07T11:29:11+10:00

These are the terms and conditions for use of this site and access to the information contained on this site. Neither Synchron ABN 33 007 207 650, an Australian Financial Services Licensee, nor its authorised representatives KYCU Financial Planning Pty Ltd; Martin Fedmowski, Erol Doganay, Agim Hajdari, Oscar Doren warrant or represent that the information [...]

Terms and ConditionsRateOne2016-12-07T11:29:11+10:00

General Advice Warning

RateOne2016-12-07T11:29:11+10:00

In preparing any advice in this site RateOne Financial Planning Pty Ltd, ABN 76 122 320 156 has not taken into account any particular persons objectives, financial situation or needs. Investors should, before acting on this information, consider the appropriateness of this information having regard to their personal objectives, financial situation or needs. We recommend [...]

General Advice WarningRateOne2016-12-07T11:29:11+10:00