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Services
New Purchases
Other Finance Solutions
Other Finance Solutions
First Home Buyers
Securing your first home lean can be stressful. We will guide you through the steps and simplify the process.
We work with you to get you “home loan ready”, we are by your side guiding you from when you first start planning to save for your home, to settlement and throughout the life of your loan.
Residential loans
When
First Home Buyers
Securing your first home lean can be stressful. We will guide you through the steps and simplify the process.
We work with you to get you “home loan ready”, we are by your side guiding you from when you first start planning to save for your home, to settlement and throughout the life of your loan.
Residential loans
When purchasing a new home, you need a home loan that will adjust to your needs and offer great value and flexibility, we work with you to find a tailored solutions to suit your needs.
Investment loans
We can advise you on property investment loan options so you can start building your property portfolio.
Construction loans
When you are constructing a home, you will most likely make progress payments – regular pre-planned instalments during the build process. The bank usually does an inspection at each stage of the construction when payment in due, final payment will be paid once the house is completed. Your lender will usually only charge interest on the amount of money paid to the builder.
Other Finance Solutions
Other Finance Solutions
Other Finance Solutions
Refinancing
If you are looking to refinance chances are you are either looking to get a better rate, use some equity in your existing property or a combination of both. Let us help you find the right home loan for you.
Debt Consolidation
We can bringing all your existing debts together into one new debt, which can help you manage your repa
Refinancing
If you are looking to refinance chances are you are either looking to get a better rate, use some equity in your existing property or a combination of both. Let us help you find the right home loan for you.
Debt Consolidation
We can bringing all your existing debts together into one new debt, which can help you manage your repayments and give you a clearer picture of your financial future.
Personal loans
With a personal loan, you can buy a new car, travel overseas, renovate and more. We have lenders that offer secured and unsecured loans.
Asset Finance
We have lenders that offer Asset finance solutions so you can invest in new equipment or upgrade your business whether it be for commercial vehicle, heavy machinery or office equipment.
Finance Solutions for
Other Finance Solutions
Finance Solutions for
Self Employed
Being Self Employed you can face unique challenges when applying for a finance, Whether it’s because your accounts don’t reflect your real profit or you work solely on a commission basis, or perhaps you just don’t fit a bank’s mainstream lending requirements. We have lenders that offer solutions for our self-employed clients
Self Employed
Being Self Employed you can face unique challenges when applying for a finance, Whether it’s because your accounts don’t reflect your real profit or you work solely on a commission basis, or perhaps you just don’t fit a bank’s mainstream lending requirements. We have lenders that offer solutions for our self-employed clients giving you the opportunity to get the finance you need.
Bad Credit
Getting a loan maybe possible even if you have been turned down in the past.
Having bad credit history affects your credit score and can make you appear riskier to some lenders, making it difficult to secure finance.
Even with a poor credit history including paid or unpaid defaults, mortgage arrears and bankruptcy, we have lenders that don't rely solely on credit checks to assess your eligibility for a home loan.
We have lenders that offer a range of home loans to suit your needs and help repair bad credit.
About Us
At Affluence Finance you can always expect the highest quality of personalised service. Whether you're a seasoned investor or a first home buyer, we will provide you with expert, timely advice and professional services that will exceed your expectations
We are here to meet all of your financial needs.
We're here to help you through all the important financial life stages, from buying your first car, a home, an investment property, to starting a family and the things you'll need to consider providing for your loved ones.
The key to our success is that we listen to you, finding out what your needs are and what your financial goals are. We use our comprehensive understanding of the home loan market to fit you with the right loan to suit your circumstances and if things change, we're here to help you through those changes so you will meet every important goal with confidence in your financial decisions.
Our Commitment to you
We are committed to finding you a solution tailored to your needs, We take the stress out of finance so you can focus on what is important.
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Contact Us
Antoinette Blake is an authorised credit representative (Credit Representative No. 500958) of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237).
The information provided is a guide only, contact Affluence Finance to arrange a free consultation.
Hours
Monday - Friday: 9am - 8pm
Saturday: 9am - 2pm
Sunday: By appointment only
Privacy Policy
Privacy Statement
We need to collect personal information about you to provide you with our broking & related services. This privacy statement tells you how we collect your information, what we use the information for and who we share the information with. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
How information is collected from you
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.
How information is collected 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 a loan or lease in relation to which you seek our services;
· we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties to update your contact details; or
· we exchange information with your legal or financial advisers or other representatives.
When the law authorises or requires collection of information
Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law.
How your information may be used
We may use your information for purposes including:
· giving you credit assistance;
· giving you information about loan products or related services including help, guidance and advice;
· considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
· assisting you to prepare an application for a lease or a loan;
· administering services, we provide, for example, to answer requests or deal with complaints;
· administering payments, we receive, or any payments we make, relating to your loan or lease;
· telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
· identifying opportunities to improve our service to you and improving our service to you;
· telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
· allowing us to run our business efficiently and perform general administrative tasks;
· preventing or investigating 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.
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 happens if you don’t provide information?
If you don’t provide your information to us, it may not be possible to:
· assist in finding a loan or lease relevant to your circumstances;
· verify your identity or protect against fraud; or
· let you know about products or services that might be suitable for your financial needs.
Sharing Your Information
General
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 or goods or services in which we reasonably consider you may be interested. Those third parties may include:
· the Broker Group through whom we may submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can view our Broker Group’s privacy notice at http://www.choiceaggregationservices.com.au/privacy. It sets out how that Broker Group manages your personal information and where you can find its privacy policy;
· the Licensee, BLSSA Pty Ltd, that authorises us to engage in credit activities. You can view BLSSA’s privacy notice at the same internet address as our Broker Group’s privacy notice. It sets out how BLSSA manages your personal information and where you can find its privacy policy;
· referrers that referred your business to us;
· financial services suppliers with whom we have arrangements;
· 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 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 for purposes including, without limitation, storing or analysing information;
· 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 may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:
· N/A
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. If your information is stored in this way, disclosures may occur in countries other than those listed.
Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.
Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by contacting us. Please see our contact details above.
Information about other people
If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:
· we have collected their information to provide those services or for any other purpose set out in this privacy notice;
· we may exchange this information with other organisations set out in this privacy notice;
· we handle their personal information in the way set out in our Privacy Policy and this privacy notice and they can:
- access or request a copy of that privacy policy or this privacy notice; or
- access the information we hold about that other person,
by using our contact details above; and
· we may not be able to provide those services to you unless we obtain their information.
If you have a complaint, we request you follow these steps:
1. In the first instance, please contact your credit assistance provider.
2. If your complaint has not been resolved to your satisfaction within 5 business days, please contact our Complaints Area as detailed below:
Telephone: 03 8616 1443 Monday to Friday 9am to 5pm (AEST)
Email: resolutions@BLSSA.com.au
Fax: 03 8616 1918
Mail: BLSSA Advice Complaints, PO Box 626, Collins Street West, Melbourne VIC 3000
1. We may ask for additional information and request you to put your complaint in writing to ensure your issue is properly investigated.
2. In cases where your complaint will take longer to resolve, we will update you progressively.
If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contact the relevant third party. They will deal with your complaint under their complaints resolution process.
If you are not satisfied with the resolution of your complaint by the third party under their complaints resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further details.
Our Complaints Area will acknowledge receipt of your complaint within five business days. If unable to resolve the complaint/dispute to your satisfaction within five business days, they will write to you advising the procedures we will follow in investigating and handling your complaint.
Within 45 calendar days from the date you lodged the complaint with us, we will write to you advising you the outcome of the investigation and the reason/s for our decision, or if required, we will inform you if more time is needed to complete the investigation.
If you do not think we have resolved your complaint to your satisfaction, you may take the matter – free of charge – to the relevant External Disputes Resolution Scheme (provided it is within the scheme’s terms of reference) as detailed below. You may also refer the matter to the relevant External Disputes Resolution Scheme at any time, but if our internal process is still in progress, they may request that our internal processes be complete before considering the matter further.
Our external dispute resolution service provider is the Australian Financial Complaints Authority (AFCA), which can be contacted via:
· Online: www.afca.org.au
· Email: info@afca.org.au
· Phone: 1800 931 678
· Mail: GPO Box 3 Melbourne VIC 3001
BLSSA’s external dispute resolution service provider is the Australian Financial Complaints Authority (AFCA), which can be contacted via:
· Online: www.afca.org.au
· Email: info@afca.org.au
· Phone: 1800 931 678
· Mail: GPO Box 3 Melbourne VIC 3001
Contact Us
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.