Important Information

01

Our business and licensing structure

Finance with PN is the personal mortgage broking brand of Pankaj Nanglu. Pankaj operates as a Loan Writer under Wizwealth Finance Pty Ltd, the AFG Member Organisation.

Credit assistance is provided by Pankaj Nanglu as Credit Representative No. 561397 of Australian Finance Group Ltd, Australian Credit Licence 389087.

02

The credit assistance we provide

We take the time to understand your goals, financial circumstances and priorities before researching suitable credit options from the lenders available to us.

• Discuss your objectives, requirements and circumstances
• Compare suitable lending options available through our approved panel
• Explain key features, costs and trade-offs in plain language
• Prepare and manage your credit application
• Coordinate with lenders and other professionals through to settlement
• Remain available for appropriate post-settlement loan reviews

When providing credit assistance, mortgage brokers are required to act in the consumer’s best interests and prioritise the consumer’s interests where a conflict exists.

03

Your Credit Guide

The Credit Guide explains who we are, the credit services we provide, how we and related parties may be paid, relevant lender relationships, and how you can make a complaint.

Because licensing, remuneration and panel information can change, do not rely on an older copy. Pankaj will provide the current AFG-generated Credit Guide before providing credit assistance.

04

Lender access and recommendations

Finance with PN can consider lending products from the lenders available through AFG’s approved panel and Pankaj’s current lender accreditations. We do not claim to compare every lender or credit product available in the market.

The lenders considered will depend on your circumstances, loan purpose, eligibility requirements, product availability and applicable credit policy. Any recommendation will be explained to you, including why it may be suitable for your stated requirements and objectives.

05

How we are paid

Pankaj, Wizwealth Finance, AFG and relevant related parties may receive commissions or other remuneration from a lender when finance is arranged. The current Credit Guide and credit proposal will explain the remuneration relevant to your engagement.

If a fee is payable by you for credit-assistance services, it will be disclosed in a Credit Quote before you proceed. You may request a reasonable estimate of commissions or referral fees and how they are calculated.

You may also be required to pay lender or third-party costs, such as application, valuation, legal, government or settlement fees. Relevant costs will be explained where known.

06

Please contact me first

If something has not met your expectations, please contact Pankaj directly. Your concern will be listened to, considered carefully and handled as promptly as possible.

You may also lodge a complaint directly with AFG through its internal dispute-resolution process:

07

Australian Financial Complaints Authority

If you remain dissatisfied after the complaint has been considered, you may contact the Australian Financial Complaints Authority. AFCA provides consumers with an independent external dispute-resolution service at no cost.

08

General-information disclaimer

Information on this website is general in nature and does not take into account your individual objectives, financial situation or needs. It should not be relied upon as tax, legal, accounting, financial-product or investment advice.

Before making a decision, consider whether the information is appropriate for your circumstances and obtain advice from appropriately qualified professionals where required. Loan approval is subject to lender assessment, eligibility, valuation, credit policy and applicable terms and conditions. Fees and charges may apply.