Green Light Home Loans Services Guide

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                     Green Light Home Loans Services Guide

About this Document
This service guide is an important document to help you understand the financial services that “Green
Light Home Loans” provide. It is designed to assist you in deciding whether or not to use any of the
services offered by us.
In addition, this guide acknowledges your right to ask about the services that we offer, the type of
advice that we provide to you, our fees and charges and what you should do if you have a complaint.


Overview of Green Light Home Loans
Green Light Home Loans is a Townsville based Finance Broker servicing the needs of clients
throughout Australia. As a member of the Australian Finance Group (AFG), we can offer a wide
variety of financial solutions tailored to your needs. We pride ourselves in offering professional and
personalised service; after all “We’re Working for You”.


Services
Green Light Home Loans offers a variety of finance brokering services available to clients throughout
Australia. We have access to a wide variety of financial products via our panel of lenders and our
business partners that cater for our customers’ needs.


Product Group
Home Loan Solutions
Traditional Loans – Line of Credits, Refinance, Debt Consolidation, First Home Buyers, 100% / No
Deposit, Subsequent Home Buyers, Investment Loans, off the plan, over drafts, and Construction
Loans.
Non-Conforming – Short term self-employed, Self-employed with no tax returns and credit impaired
applicants.


Business/Commercial Solutions
Green Light Home Loans in addition to the home loans services can also provide a variety of business
and commercial solutions through our panel of lenders.
Services Include: leasing, novated leasing, Asset Purchase (Commercial Hire Purchase), Chattel
Mortgage and overdrafts
Additionally, finance can be organised for a variety of commercial purposes which include: Vehicles,
Plant and Equipment, Office equipment (including furniture) and Office, Shop or Restaurant fit out
and Commercial property purchase.
Other Services Offered By Green Home Loans Business Partners
Green Light home loans can offer you the following services through our associated business partners
to cater for all of your financial needs.
•	     Financial	Planning
•	     Income	Protection
•	     Life	Insurance
•	     TDP	Insurance	
•	     Accounting	/Taxation	Services
•	     Salary	Packaging
•	     Estate	and	Succession	Planning


About Your Green Light Home Loan Consultant
Your loan consultant is a representative of Green Light Home Loans and therefore meets training,
professional qualifications, industry and competency standards which include completing the
certificate IV in Financial Services (mortgage broking).
All Green Light Home Loans Consultant are fully trained to meet regulatory standards and to
maintain their industry knowledge through continued professional development programs each year.


Fees and Charges
Green Light Home Loans will be remunerated by commission in most situations from the lenders.
The amount of commission paid is dependent on the principal loan amount, the choice of lender
and additional external factors that maybe unknown to Green Light Home Loans at the time of
application.
In circumstances, where the commission can be ascertained by the lender, the amount payable to
Green Light Home loans will be disclosed in the loan documentation.
Green Light Home Loans may charge brokerage for commercial, non-uniform consumer credit coded
loans and in situations where the prospective lender will not pay commission to us.
Additionally, it is important to note that in situations where Green Light Home Loans has fulfilled it’s
obligations as directed and have obtained unconditional finance approval; we will reserve the right to
charge an administration fee in the event the loan does not proceed.
All Brokerage charges will be detailed and confirmed in writing by way of the “Broker Agreement”
before we proceed with the application. A copy of the agreement will be provided with this service
guide for your perusal.


Notice of Disclosure
Please take notice that Green Light Home Loans may receive fees, commissions and / or financial
rewards from the nominated financial institution in connection with this loan.
Green Light Home Loans does not determine or recommend the conditions of the credit contract
(such as interest rates, fees or the term of the loan).
Green Light Home Loans and nobody else will receive any financial benefit or have any other interest
or relationship which could reasonably be expected to influence our recommendation other than those
disclosed in this document.

				
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