Credit Guide

Version Date: 14/06/2026

About This Credit Guide

This Credit Guide provides important information about the credit assistance services we provide and is designed to assist you in deciding whether to use our services.

This Credit Guide contains information about:

Who we are
The services we provide
How we are paid
Any fees payable by you
Our dispute resolution procedures
Your rights as a consumer

Our Details

Encouraged Pty Ltd

Credit Representative Number: 578855

Encouraged Pty Ltd is an authorised Credit Representative of Yellow Brick Road Aggregation Pty Ltd ABN 66 138 789 161, Australian Credit Licence (ACL) Number 390261.

Contact Details

Phone: 0410 959 400

Email: admin@encouraged.com.au

Website: encouraged.com.au

Our Responsible Lending Obligations

Under the National Consumer Credit Protection Act 2009, we must not provide credit assistance if the credit contract is unsuitable for you.

Before recommending a loan or assisting with a loan application, we will make reasonable inquiries about:

Your requirements and objectives
Your financial situation
Your ability to meet your financial obligations

We will take reasonable steps to verify your financial information and assess whether a proposed loan is not unsuitable for your circumstances.

The Credit Assistance We Provide

We may:

Suggest a particular credit contract or loan product
Suggest increasing the limit on an existing credit contract
Assist you to apply for a loan or finance product
Assist you to apply for an increase to an existing loan
Provide information about lending products available through our lender panel

We provide mortgage and finance broking services in relation to:

Owner-occupied home loans
Investment loans
Refinancing
First home buyer loans
Construction loans
Debt consolidation
Commercial lending (where applicable)
Asset finance (where applicable)

Our Lender Panel

We have access to a panel of lenders and credit providers.

The lenders available to us may change from time to time.

A list of lenders currently available through our panel can be provided upon request.

Our recommendations will be based on your circumstances, requirements and objectives, and products available through our approved lending panel.

Preliminary Assessment

If we provide credit assistance, you have the right to request a copy of our Preliminary Assessment.

The Preliminary Assessment contains information about how we determined that our recommendation was not unsuitable for you.

You may request a copy of the assessment within seven (7) years of the date we provided credit assistance.

Requests can be made by contacting us using the details in this Credit Guide.

Fees Payable by You

In most cases, we do not charge consumers a fee for mortgage broking services.

If a fee is payable, we will disclose:

The amount payable; or
The method used to calculate the fee

before providing services and obtain your consent.

Any fees payable by you will be documented separately in a Credit Quote and Credit Proposal Disclosure.

How We Are Paid

If your loan settles, Yellow Brick Road Aggregation Pty Ltd and/or Encouraged Pty Ltd may receive commissions from the lender.

These commissions are generally calculated as a percentage of the loan amount and are paid by the lender.

The commission arrangements may include:

Upfront Commission

An upfront commission may be paid by the lender when your loan settles.

Ongoing Commission (Trail)

An ongoing commission may be paid by the lender while your loan remains in place.

The amount of commission varies between lenders and products.

Specific commission details relating to your loan recommendation will be disclosed in your Credit Proposal Disclosure document before you enter into a credit contract.

Referrals

We may pay or receive referral fees from third parties.

Where a referral fee applies to your transaction, details will be disclosed to you before you proceed.

Conflicts of Interest

We are committed to acting efficiently, honestly and fairly.

Where a conflict of interest exists, we will take appropriate steps to manage and disclose the conflict in accordance with our legal obligations.

Complaints and Dispute Resolution

If you are dissatisfied with our services, please contact us first.

Internal Dispute Resolution

Complaints should be directed to:

Complaints Officer

Encouraged Pty Ltd

Phone: 0410 959 400

Email: admin@encouraged.com.au

We will acknowledge your complaint promptly and aim to resolve your complaint within the timeframes required by law.

External Dispute Resolution

If you are not satisfied with our response, you may contact:

Australian Financial Complaints Authority (AFCA)

Website: www.afca.org.au

Email: info@afca.org.au

Phone: 1800 931 678

Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides consumers with a free and independent dispute resolution service.

Privacy

We collect, use and disclose personal information in accordance with our Privacy Policy.

Our Privacy Policy explains:

What information we collect
How we use and disclose that information
How you may access and correct your information
How you may make a privacy complaint

A copy of our Privacy Policy is available on our website.

Questions

If you have any questions about this Credit Guide or our services, please contact us using the details provided above.