Terms and Conditions

These terms and conditions govern your use of our website. Please read the terms in full before you use this Website. If you do not accept these terms, please do not use this Website. Using the Website implies that you accept these terms. We do occasionally update these terms so please refer back to them in the future.


1. Site Access

2. Use of Website

3. Site Uptime

4. Visitor Conduct

5. Links to and from other websites

6. Disclaimer

7. Exclusion of liability

8. Interest rates

9. Comparison rates

10. Cookies

11. Submitting online quotes or enquiry forms


1.1 You will be able to access the majority of this Website without having to register any details with us. [However, particular areas of this Website will only be accessible only if you have registered.]


1.2 You are permitted to use our website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission.

1.3 The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent.

1.4 Subject to paragraph 1.2, no part of this Website may be reproduced without our prior written permission.


1.5 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and, other technical issues. Therefore we will not be liable if this website is unavailable at any time.

1.6 This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues but shall not be obliged to do so.


1.7 With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, Any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.

1.8 When using this website you shall not post or send to or from this Website any material:

(a) for which you have not obtained all necessary consents;

(b) that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in Australia;

(c) which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.

1.9 [We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of Paragraph 1.8.]


1.10 Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website linked to from this Website, it is at your own risk.

1.11 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions: (a) you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us; (b) you do not misrepresent your relationship with us or present any false information about us; (c) you do not link from a website that is not owned by you; and (d) your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the United Kingdom.

1.12 If you choose to link to our website in breach of Paragraph 5.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.


1.13 We take all reasonable steps to ensure that the information on this Website is correct. However, we do not guarantee the correctness or completeness of material on this Website. We may make changes to the material on this Website at any time and without notice. The material on this Website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date.

1.14 The material at this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of this website on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.

1.15 The material on this Website does not suggest that you are eligible for a consumer credit contract or lease or an increase in a credit contract. To be eligible for a consumer credit contract or lease or an increase in a credit contract you must be assessed by a licensed credit provider and or a credit assistant to determine suitability to apply for any type of consumer credit regulated by the National Consumer Protection Act (NCCP).


1.16 Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website.


1.17 Interest rates, fees and various calculations are subject to change daily. All figures are estimates and are a guide only, any additional fees and charges are the responsibility of the applicant(s). It is recommended you seek the advise from a mortgage professional.


1.18 CPR = Comparison rate is based on a $250,000 loan for 25 years. Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.


1.19 A cookie is a small data text file that is placed in your browser and allows 1st Site Free to recognize you each time you visit this site(customisation etc). Cookies themselves do not contain any personal information, and Smart Search Finance does not use cookies to collect personal information. Cookies may also be used by 3rd party content providers such as newsfeeds.


1.20 All forms from the Website are directly sent to the offices of Smart Search Finance for assessment. A representative of Smart Search Finance may contact you to clarify the information submitted.

1.21 You consent that we may refer your online quote or enquiry form to another credit representative or credit licensee that can help you with your credit enquiry.

1.22 We do not charge you a fee for services rendered through this website.

1.23 We may receive referral fees from licensed credit providers for referring online enquiries and quotes. Referral fees vary between licensed credit providers and for a full list contact our office. Below is a list of fees we may receive if we refer your enquiry to a licensed credit provider.



Loan amount between $0 - $349,999 - $33 per lead

Loan amount between $350,000 to $749,999 - $44 per lead

Loan Amount $750,000 plus - $55 per lead

Auctioned Leads - as determined by the broker market


Loan Amount between $0 - $1 million - $44 per lead

Loan Amount between $1 million - $5 million - $55 per lead

Loan Amount between $5 million plus - $66 per lead

Auctioned Leads - as determined by the broker market

1.24 Each licensed credit provider is required to disclose fees paid to Smart Search Finance.


While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to Smart Search Finance and you are solely responsible for maintaining the secrecy of any passwords or other account information. In addition other Internet sites or services that may be accessible through Smart Search Finance have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions.

For more information contact us