Credit Guide | Duty First Mortgages, Our Credit Assistance Disclosure 
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Credit Guide

Our Credit Guide explains who we are, how we work and how we are paid. Every client receives the full document before we provide credit assistance, and you can ask for a copy at any time.

Last updated 17-07-2026

Who we are

Duty First Mortgages Pty Ltd ABN 47 682 598 803 is a veteran-owned mortgage broking business, Queensland-based, lending Australia-wide. We hold Credit Representative Number 564786 and are authorised under Australian Credit Licence 486112, held by Purple Circle Financial Services Pty Ltd. We provide credit assistance: we help you compare, choose and apply for loans, but we are not the lender and we do not approve loans ourselves.

What the full Credit Guide covers

Our Credit Guide and Privacy Disclosure is the formal document we give you before providing credit assistance. It sets out:

  • who we are and the licensee we are authorised under;
  • the credit assistance we provide and our obligations to you, including our best interests duty when helping you with a home loan;
  • how we are paid, including the commissions lenders may pay us;
  • the lenders and lessors we deal with;
  • how we handle your personal information; and
  • what to do if you have a complaint, including your right to free external dispute resolution through AFCA.

How we are paid

Our credit assistance is usually at no direct cost to you. If your loan settles, the lender typically pays us a commission. We disclose commission details to you before you go ahead, and you are welcome to ask us at any time what we would be paid in relation to a loan we recommend. If a fee were ever payable by you, we would tell you and agree it with you in writing before doing the work.

The lenders we work with

Through our aggregator we can access loan products from a panel of more than 60 banks and lenders across Australia. We'll search that panel for options available to you based on your circumstances and requirements.

Get your copy

We provide the full Credit Guide and Privacy Disclosure to every client at the start of the process, before any credit assistance is given. If you would like a copy now, just ask:

How we handle your personal information is explained in our Privacy Policy. If something hasn't gone the way it should, our complaints page explains how to raise it and how to escalate to AFCA at no cost to you.