Website Terms and Conditions
These terms and conditions govern your use of the Loans For First Homes website at loansforfirsthomes.com.au (the “website”). By accessing or using the website, you agree to be bound by these terms. If you do not agree, please do not use the website.
Loans For First Homes is a service of Mortgage World Australia Pty Ltd ATF O’Brien Family Trust (ABN 65 653 284 433), a credit representative (Credit Representative Number 396946) of Mortgage Specialists Pty Ltd (ACN 612 422 178, Australian Credit Licence Number 387025). In these terms, ‘we’, ‘us’ and ‘our’ refer to Loans For First Homes and Mortgage World Australia Pty Ltd ATF O’Brien Family Trust (ABN 65 653 284 433).
Acceptance of these terms
By using this website you confirm that you have read, understood and agree to these terms and conditions, together with our Privacy Policy. We may amend these terms from time to time, and the current version will always be available on this website. Your continued use of the website after any change means you accept the amended terms.
General information only — not financial or credit advice
The content on this website is general information only. It does not take into account your objectives, financial situation or needs, and it is not financial advice, credit advice, or a recommendation to enter into any particular credit contract or product. The calculators, guides, articles and tools on this website are provided to help you understand general concepts and to give indicative figures only. They are not an offer of finance, a pre-approval, or a quote, and any result they produce is an estimate based on the information you enter.
Before acting on any information on this website, you should consider its appropriateness to your circumstances and seek advice tailored to your situation from a qualified mortgage broker or other appropriate professional.
Accuracy and no warranty
We take reasonable care to ensure the information on this website is accurate and up to date at the time of publication. Interest rates, government schemes, grants, taxes, duties, lending criteria and product features change frequently and may have changed since publication. We do not warrant that the information on this website is complete, current or free from error, and we make no warranty that the website will be available without interruption or free from viruses or other harmful components. To the extent permitted by law, we exclude all warranties that are not expressly set out in these terms.
Intellectual property and copyright
Unless otherwise indicated, all content on this website — including text, graphics, logos, images, calculators and layout — is owned by or licensed to us and is protected by Australian and international copyright and intellectual property laws. You may view, download and print content from this website for your own personal, non-commercial use. You must not reproduce, republish, modify, distribute or commercially exploit any content from this website without our prior written permission.
External links
This website may contain links to third-party websites, including government websites and the websites of lenders and service providers. We provide these links for your convenience only. We do not control, endorse or accept responsibility for the content, products, services or privacy practices of any third-party website, and a link does not imply any association with the operator of that website. You access third-party websites at your own risk.
Limitation of liability
To the maximum extent permitted by law, we exclude all liability for any loss or damage (including indirect or consequential loss) arising from your use of, or reliance on, this website or any information on it, or from your inability to access the website. Nothing in these terms excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Australian Consumer Law or any other law that cannot lawfully be excluded.
Lending disclaimer
Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only. Any finance is subject to lender approval and assessment of your individual circumstances.
Complaints
If you have a complaint, our internal dispute-resolution process and external dispute-resolution options (including the Australian Financial Complaints Authority) are set out on our Complaints page.
Governing law
These terms are governed by the laws of New South Wales, Australia, and you submit to the non-exclusive jurisdiction of the courts of New South Wales and the Commonwealth of Australia.
Contact
For any questions about these terms, contact us at [email protected].
Loans For First Homes is a service of Mortgage World Australia Pty Ltd ATF O’Brien Family Trust (ABN 65 653 284 433), a credit representative (Credit Representative Number 396946) of Mortgage Specialists Pty Ltd (ACN 612 422 178, Australian Credit Licence Number 387025).
Last Updated: 21 June 2026