Terms and Conditions | Duty First Mortgages, Veteran-Owned Mortgage Broker

1. Who we are

In these terms, "we", "us" and "our" mean Duty First Mortgages Pty Ltd ABN 47 682 598 803, Credit Representative Number 564786, authorised under Australian Credit Licence 486112 held by Purple Circle Financial Services Pty Ltd. We are a veteran-owned mortgage broking business, Queensland-based, lending Australia-wide.

These terms apply to your use of this website, dfmortgages.com.au. If you engage us for credit assistance, that engagement is covered by separate documents we give you at the time, including our Credit Guide.

2. General information only

The information on this website is general in nature. It has been prepared without taking into account your objectives, financial situation or needs, and it is not personal advice. Before acting on anything you read here, consider whether it is appropriate for your circumstances and seek advice suited to your situation. If you would like help that actually takes your circumstances into account, get in touch and we can provide credit assistance tailored to you.

No responsibility is taken for people acting solely on the information on this site. If you do so, you do so at your own risk.

3. No offer of credit

Nothing on this website is an offer of credit, a loan approval, or a commitment to lend. All loan applications are subject to the relevant lender's credit assessment and approval criteria, and fees, charges and eligibility conditions apply to all loan products. We act as a credit representative providing credit assistance; we are not the lender.

4. Calculators and assumptions

The calculators available on this site are designed to give you examples of different financial scenarios, based on stated assumptions and the figures you enter. They are generic calculators, and their results are estimates only, intended to help you explore ideas, not to be relied on for any practical purpose or used as a substitute for professional advice.

The assumptions behind each calculator are shown on that calculator's page, and you can change them to see how they affect the result.
Results are not a quote, a loan offer, a recommendation, or an indication that you qualify for any product. Interest rates used are ones you enter yourself and may not reflect rates actually available to you.
The calculators run entirely in your browser. The figures you enter are not stored by us and are not sent to our server or any third party.

While we have based the calculators on sources and methods we believe are reliable and accurate, your actual outcomes will depend on a range of factors outside our control, including lender assessment policies. You should not rely on these calculators when making borrowing or financing decisions. Instead, consider getting credit assistance from us or advice from a professional adviser who can take your full circumstances into account.

5. Copyright

Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by us unless otherwise stated. All rights reserved.

You may download a single copy of material on this site and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this site may otherwise be reproduced, adapted, performed in public or transmitted in any form by any process without our specific written consent.

6. Links to third-party sites

This website contains links to external websites, including our finance partner portal, our Instagram and other social media pages, and the websites of organisations such as lenders, regulators and dispute resolution bodies. These links are provided for your convenience. They do not constitute an endorsement of those sites or of any associated organisation, product or service, and those sites are outside our control.

The information handling practices of linked websites may not be the same as ours. Each website will have its own privacy policy and security standards, and you should check these yourself, as we cannot confirm what standards third-party websites adopt. It is your responsibility to make your own decisions about the accuracy, currency, reliability and correctness of information found on linked sites.

7. Accuracy and changes

The information on this site is current at the date of publication but may change without notice. We may update these terms from time to time; the current version will always be published on this page with its "last updated" date. By continuing to use the site after changes are published, you accept the updated terms.

8. Limitation of liability

We do not warrant or represent that the information on this site is free from errors or omissions or is suitable for your intended use. We recommend that you seek your own professional advice before acting on any information on this site.

To the full extent permitted by law, and subject to any rights you have under the Australian Consumer Law or other laws that cannot be excluded, we accept no responsibility for any loss, damage, cost or expense, whether direct or indirect, incurred by you as a result of any error, omission or misrepresentation on this site, or arising from your use of, or inability to use, this site or any linked site. Nothing in these terms excludes, restricts or modifies any consumer guarantee or other right you have under law that cannot lawfully be excluded.

9. Governing law

The information on this site has been prepared in accordance with Australian law. These terms, the information on this site and all matters relating to either are governed by, and are to be construed according to, the laws applicable in the State of Queensland and the Commonwealth of Australia. The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia.

10. Privacy

We handle personal information in accordance with our Privacy Policy, which explains what we collect, why, who we share it with and the rights you have. Our complaints process is set out on our complaints page.

11. Contact us

Questions about these terms are welcome: