Credit Guide

Purpose of This Guide

This Credit Guide is an important document which will help you understand who we are and what we do. It will explain how we get paid for the services we provide you. It will also explain what to do if you have a complaint and how we protect your privacy.

Who We Are

The business which has given you this Credit Guide is:

Brilliant Finance Group Pty Ltd (ACN 675 028 556) holds Credit Representative Number 556851 and operates under the Australian Credit Licence (ACL 387856) of:

Your Credit Representative

Our representative who will be providing you credit services is:

What We Can Do For You

Our authorisation allows us to help you with:

• Home loans (owner-occupied and investment)
• Refinancing existing mortgages
• SMSF (Self-Managed Super Fund) lending
• Construction loans
• Commercial property finance
• Business lending
• Personal loans
• Car and asset finance

We will work with you to understand your financial situation, objectives, and requirements, and then search our panel of lenders to find suitable loan options for your consideration.

Our Lender Panel

We have access to a wide range of lenders. Our top 6 lenders by volume are:

• Westpac
• ANZ
• Bankwest
• Macquarie Bank
• Commonwealth Bank
• Suncorp

A full list of lenders on our panel is available upon request. We recommend lenders based on your specific needs, not based on commission levels.

Use of AI-Assisted Tools

Trimark uses AI-assisted tools to enhance our service delivery. We rely on reputable AI service providers under commercial contracts that prohibit use of your personal and financial information for training AI models. Your information is shared only with these contracted providers for the purposes of delivering your credit assistance, and is not sold, used for marketing, or otherwise made accessible outside our practice.

We may use AI tools to assist with:

• Analysis of your financial situation to identify suitable lending options
• Preparation of loan submissions and supporting documentation
• Creation of documents and correspondence
• Research on lender policies and product features

All AI-assisted outputs are reviewed by our qualified team members before being actioned or shared. The use of AI tools does not replace professional judgment or the personalised advice we provide to each client.

How We Get Paid

From Lenders: When your loan settles, we receive a commission from the lender. This is typically:

• Upfront commission: Usually between 0.50% to 0.70% of the loan amount (plus GST), paid at settlement
• Trail commission: Usually between 0.15% to 0.275% of the outstanding loan balance per annum (plus GST), paid monthly

From You: We do not generally charge fees for our service. In rare circumstances where a fee may apply (such as complex commercial transactions), we will discuss this with you in advance and obtain your written agreement.

You are entitled to request particulars of our commission at any time.

Complaints & Disputes

If you have a complaint about our services, please contact us first:

If we cannot resolve your complaint to your satisfaction, you may refer the matter to our licensee:

If the matter remains unresolved, you may contact the Australian Financial Complaints Authority (AFCA):

Your Privacy

We are committed to protecting your privacy. We collect personal information to provide you with credit assistance and will only use it for that purpose or as permitted by law.

For full details on how we handle your personal information, please read our Privacy Policy.

Business Details

Last updated: 8 April 2026