Credit Guide

Cinsation Pty Ltd as trustee for the Moran Family trust trading as n2n Finance Solutions (licensee)

ABN: 31 757 841 381

Australian Credit Licence Number: 427995

Address: PO Box 609 Helensvale LPO, QLD 4212

Licensee

Tel: 0468 482 442
Fax: 07 5573 7714

Broker Group

Finance & Systems Technology Pty Ltd (“broker group”)
ACN: 092 660 912
Credit Representative Number: 392527

Services we provide

As your mortgage brokers, we will act as your lending experts; making sure you understand the loan repayments, loan features, fees and charges of your home loan.

Saving you time and money, we can search hundreds of loan products from a panel bank and non-bank lenders, comparing fees, charges and loan features to best suit your lifestyle.

If you need it, we can also help you with your car finance, business finance or insurance needs.

Our panel lenders

We source finance from a panel of financiers. The financiers named below are the financiers with which we conduct the most business.
  • ANZ Bank
  • Macquarie Bank
  • ING Direct
  • Commonwealth Bank of Australia
  • Adelaide Bank
  • St George Bank
  • Pepper Money
  • Liberty Finance
  • La Trobe Financial
  • ME Bank
  • Bank of Queensland
  • National Australia Bank
  • Westpac

We will need information from you

Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain, or any lease we help you to enter, is not unsuitable for you. To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable. The law requires us to:
  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial situation;
  • take reasonable steps to verify that financial situation.
Credit will be unsuitable if at the time of the assessment, it is likely that
  • you could not pay or could only pay with substantial hardship.
  • the credit will not meet your requirements and objectives.
  • for example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.
  • we must provide you with a copy of our preliminary credit assessment of your application if you ask within seven years of when we assist you. We are only required to give you a copy of the credit assessment if we give you credit assistance.
  • if we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth. Although we may obtain a valuation, that is for our own use and you should not rely on it.

Ownership

We obtain mortgage aggregation services from the Broker Group. The Broker Group is a member of the National Australia Bank Group. The Broker Group provides services at arm’s-length to our business which include IT systems, loan information and lodgement systems, training and development, commission processing, conferences and professional development events, and assistance with regulatory and compliance obligations. In consideration of the services the Broker Group gives us, we pay fees to the Broker Group or the Broker Group retains some of the commission panel lenders pay on loans we arrange.

Our business is owned and managed independently from the Broker Group and National Australia Bank Limited (NAB).

Fees payable by you

At times we may charge a fee for the credit services provided or if your loan is repaid within 24 months of settlement. More details about the fees payable by you will be set out in a combined proposal and quote disclosure document which will be given to you, for signing & acceptance. You may obtain from us more information about how these fees and charges are worked out. You may also be required to pay the lender’s application fee, valuation fee, government charges and other transaction fees.

Commissions received by us

We may receive commissions from the lenders and lessors who provide finance for you as our customers. These are not fees payable by you. You may obtain from us information about a reasonable estimate of those commissions and how the commissions are worked out.

Commissions payable by us

We source referrals from a broad range of sources. For example, we may pay fees to call centre companies, real estate agents, accountants, or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Our internal dispute resolution scheme

We believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes. We are committed to the effective handling of complaints and timely resolution of disputes.

Receiving complaints and the complaint process

If you have a complaint or a dispute, you have the option of either contacting us or lodging the complaint directly with our External Dispute Resolutions Scheme indicated below.

You should explain the details of your complaint as clearly as you can. You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly. We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.

We will observe the following principles in handling your complaint:

  • there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution
  • we expect that both parties will make a genuine attempt to resolve a complaint promptly;
  • we expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
  • we expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.

Timeframes for response

If your request cannot be resolved immediately, we will respond to your request within two (2) business days of receipt of the complaint. We will keep you informed of the progress of the investigation.

How to make a complaint

If you have a complaint, we request you follow these steps:

In the first instance, please contact n2n Finance Solutions;

  • Mail: PO Box 609 Helensvale LPO, QLD 4212
  • Monday to Friday 9am to 5pm (AEST)
If the outcome does not meet your satisfaction please contact the Approved External Dispute Resolution (EDR) scheme.

Our external dispute resolution scheme

If you are not satisfied with our final response, you may lodge a complaint:

  • Mail: Australian Financial Complaints Authority
    GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.


Testimonials

Testimonials

Reviews from clients

Elbre & Lynette N.

Ormeau Hills, QLD
Cindy is amazing. She went above and beyond and then went further than that. We have come a long way with her over the past 7 or so years, and she has become like a member of our family. She always ensured that we got the best interest rates and value for money. She stepped in to save a transaction at settlement to ensure we did not lose the house we purchased by spending hours on the phone to ensure everything went through without a hitch. We cannot fault this amazing lady and hope to continue our working and personal relationship with her😊

Scott B.

Bogangar, NSW
Cindy is dead set the best. Awesome, down to earth, super efficient and knows her stuff. Highly recommend her services as she achieved what we thought was impossible in such a short period of time and with zero fuss. Thanks again n2n Finance, best experience ever!!

Rachel C.

Greensborough VIC.
I can not thank Cindy enough for her help over the last 2-3 months. Myself and my partner have been able to purchase our dream first family home because of her. Not only is she upmost professional but she also makes you feel so comfortable when you need to contact her with any questions( and I had a lot). The dedication that she puts in to her work and relationships with clients is nothing but admirable. Thanks so much again Cindy, we look forward to working with you again in the future.

Erin M.

Reservior VIC.
Cindy was an absolutely pleasure to deal with. This was my first home loan and I was pretty naive to how it all works. Cindy put up with my late night emails and calls answering all my questions and never once made me feel like an annoyance. I felt supported throughout the whole process and really felt as if Cindy had my back. Cindy came highly recommended to me through my Aunty and she did not disappoint. I’ve now recommended her to friends who have also had nothing but a seamless experience with her. 10/10. Thanks Cindy! You’re an absolute legend.

Peter B. and Sandra B.

Narre Warren VIC.
Cindy is hands down the best in the business!
She assisted us with our first ever investment properties and she explained absolutely everything we needed to know. If there was anything we didn’t fully understand she would go over and over again until we did. Cindy is very knowledgeable and professional and by the end of your dealings she will feel like a friend to you. Cindy has also assisted my son with finance in purchasing a home and we have absolute confidence in recommending Cindy to any family or friends we know.

Matthew G. and Bel G.

Ashmore, QLD
This was our first dealing with a mortgage broker and n2n Finance made the whole process of the refinancing of our loan so easy. Cindy was amazing in answering our questions and made us feel we were in good hands with our decision. Thanks Cindy!

Karen L. and Ray L.

Gold Coast, QLD
Fantastic service, Cindy provided us with plenty of options. Our loan with her was 2 years ago but we will be using her for our next property purchase. Totally recommend dealing with Cindy.

Ty C. and Connie C.

Kilmore, VIC
We were referred to Cindy by a member of the family, and it was the best thing that we have been advised to do. Would like to thank you for all the advice, support, encouragement and simpleness in making the change so easy. Thank you Cindy.

Toula & Maria - FRIGG Cafes

Absolute legend in finance, Cindy is more than a leading source, she takes the time to comfortably get to know you and your financial circumstances and needs then looks for a solution.  She sources what is the best option. Even if you are having trouble raising finance from the big 4 banks, Cindy is well networked in the Industry and has many gateway options to assist. We highly, highly, highly recommend Cindy and N2N, great service with results.

Phil J. and Jo J.

Banora Point, NSW
Cindy was an extremely professional, knowledgeable and accommodating when it came to refinancing our home loan. She listened and took the time to understand our personal situation and worked hard to make the change quickly and efficiently and got us a great rate too. I would recommend Cindy to anyone looking to give their bank the flick and save some money. Thanks Cindy.
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