Credit Assistance Fee Terms and Conditions.

Purpose of Fee

Credit Assistance Fees cover the strategic advisory and finance services provided by EB Finance Collective Pty Ltd. This includes the development of a personalised borrowing strategy aligned to your goals and needs, preliminary checks, servicing calculations, document review and verification, lender engagement and credit policy matching, compliance requirements, priority processing of your finance application, and ongoing management post-settlement.

Credit Assistance Fees are not contingent on loan approval or settlement. Our work begins well before your Game Plan is presented — these fees reflect the time, expertise, and compliance obligations required to deliver meaningful, strategic advice that goes far beyond basic preparatory tasks.

Your current financial position and future goals are both considered — because we’re building a strategy that supports not just the loan you need now, but the bigger picture of where you’re headed.

Commissions and Remuneration

EB Finance Collective Pty Ltd may receive commissions, trail payments, or other remuneration from lenders or related parties for arranging your finance. This does not increase the cost to you. These payments are generally for introducing you as a client to the lender or related party.

Any applicable offsets or refunds will be disclosed in your Credit Proposal. You may request an estimate of any commission or remuneration at any time.

Third-Party Costs

Credit Assistance Fees do not include third-party charges such as valuations, government fees, lender legal fees, or title searches. These are payable directly to the relevant third party unless otherwise agreed in writing.

When the Fee is Payable

Credit Assistance Fees are charged per application submitted through EB Finance Collective Pty Ltd.
Payment is required immediately after we present your personalised Game Plan (our formal recommendation) and must be made in full before submission to any lender.

The invoice will be issued alongside your Game Plan and can be paid via bank transfer or credit card. By engaging our services and paying the invoice, you authorise EB Finance Collective to issue invoices and collect payment in accordance with these Terms.
Late payment may result in processing delays or your application being placed on hold. Fees may stack depending on the complexity of the application.

Fee Schedule

  • Residential Mortgage Applications: $495(incl. GST) — Base fee for service.

  • Guarantor Supported Applications: $395(incl. GST) — In addition to base fee, covering extra interviews, documentation, verification and compliance requirements.

  • Construction Purpose Lending: $495(incl. GST) — In addition to base fee, for management of staged valuations, progressive drawdowns and lender coordination.

  • Trust Borrowers: $695(incl. GST) — In addition to base fee, covering Trust Deed analysis, entity verification (including ASIC extracts), and engagement with accountants and lenders.

  • Multi-Entity / Self-Employed Applications: $990 (incl. GST) — In addition to base fee, for detailed review of structures, ABN/ASIC verification, and comparative financial analysis.

  • Bridging Finance (No End Debt): Fees determined case-by-case depending on complexity — In addition to base fee, covering full management of bridging finance, sale/purchase coordination and peak-debt modelling.

  • Commercial & Asset Finance: Fees determined case-by-case depending on complexity. Outlined clearly in your Engagement Agreement before we proceed.

When the Fee is Incurred

Credit Assistance Fees become due once your Game Plan has been delivered.
This marks the completion of significant preparatory work, including strategy development, servicing analysis, document review, and credit policy research.
Fees are chargeable regardless of whether you proceed to unconditional approval or settlement.

Promotions and Discretionary Offers

EB Finance Collective Pty Ltd may, at its sole discretion, offer promotional discounts on Credit Assistance Fees.
Examples may include:

  • Reimbursement (in full or part) at settlement

Any promotional arrangement must be confirmed in writing prior to the invoice being issued.

Refund Policy

Credit Assistance Fees are non-refundable.

Once we’ve presented your personalised Game Plan, the Credit Assistance Fee is considered earned and payable.
This covers the professional time spent on research, lender policy analysis, and strategy preparation.

If you choose not to proceed, or if your application is declined, the fee remains payable in full.
Any rebates or reimbursements will only apply if confirmed in writing by EB Finance Collective.

If you believe there has been a material misunderstanding in your Game Plan, please contact us within 48 hours of presentation. We’ll review your concerns and may adjust or defer the fee at our discretion.

Client Responsibilities

You are responsible for providing accurate and complete information promptly — including identification, financial statements, and supporting documentation.
Delays or inaccuracies may affect your eligibility or timeline and do not constitute grounds for refund.

Validity

Credit Assistance Fees apply to a single application initiated within 30 days of invoice issue, based on the scenario outlined in your Game Plan.
If your borrowing needs or financial position change materially (for example, income or expenses change by 10% or more, property/security changes, or loan amount varies by more than $100,000), a revised Game Plan and updated fee may be required.

If you wish to dispute a fee, please contact us within seven days of invoice date.
We follow our internal Feedback and Dispute Resolution Process, and if unresolved, you may escalate the matter to the Australian Financial Complaints Authority (AFCA).

Compliance & Disclosures

We comply fully with the National Consumer Credit Protection Act (NCCP).
You’ll receive:

  • Our Credit Guide

  • A Schedule of Fees

  • A Quote (to be signed before work begins)

  • A Credit Proposal (Game Plan) explaining your tailored recommendation

You may request a copy of our written assessment at any time.

Acceptance of Terms

Credit Assistance Fees apply to every application submitted by EB Finance Collective Pty Ltd, with the amount varying by application type as outlined above.
By engaging our services and receiving your Game Plan, you acknowledge this fee structure in full.
By paying the invoice, you agree to these Terms and acknowledge that they have been made available to you prior to payment.

Governing Law and Version Control

These Terms are governed by the laws of South Australia.
EB Finance Collective Pty Ltd may amend these Terms from time to time, with the most recent version always available on our website.

Last updated: November 9th 2025