An overview of our role and obligations as your mortgage broker.
This is a beta-stage placeholder Credit Guide summarising the type of disclosure required under the National Consumer Credit Protection Act. Replace with your formal Credit Guide before launch.
Mortgage and finance broking is provided by Legacy Home Loans. Adam O'Neill, Credit Representative Number 473493, is authorised by Ayrshire Group Pty Ltd ABN 16 700 891 676, Credit Representative Number 581051, under Connective Credit Services Pty Ltd ABN 51 143 651 496, Australian Credit Licence Number 389328. Legacy Financial Planning Pty Ltd — ABN 91 167 254 202 | AFSL 519446 — provides financial planning services.
As mortgage brokers we have a best-interests duty: we must act in your best interests when providing credit assistance. We compare loans across our 70+ lender panel and recommend a product we reasonably consider to be in your best interests.
For most home loans, we’re paid a commission by the lender at settlement and an ongoing trail commission. Both are disclosed in your Credit Quote and Credit Proposal Disclosure. Where a fee is payable by you, we’ll always tell you in writing before any work begins.
You have the right to ask us how a loan was selected, what alternatives we considered, and to receive copies of your file. If you have a complaint, please contact us first at info@legacy.net.au. If we can’t resolve it, you can refer the matter to the Australian Financial Complaints Authority (AFCA).
Last updated: 2025. Replace with formal Credit Guide before launch.
