Responsible Lending

Our approach to credit assistance involves us gaining a thorough understanding of your situation and establishing your needs and objectives for the credit that you are seeking. Our team of dedicated and experienced lending managers will only recommend a loan where we believe there is a benefit to the applicant.

We comply with guidelines set out by the National Consumer Credit Protection Act. (NCCP). All our lending managers are required to follow ethical and professional practices and receive regular product and compliance training as part of industry requirements.

Upon initial contact we’ll discuss generally what you are looking for, your circumstances and general financial position including any known credit history. We can arrange to meet or discuss further by phone depending on circumstances.  Throughout the loan application process we will then assist you in working through the assessment process from start to finish and offer post settlement support service for the life of your loan.

Common documents you will receive from us during your loan application process include;

Credit Guide

Our credit guide provides you with information about us and our services including our dispute resolution scheme details.

Preliminary Assessment

Our preliminary assessment contains a series of questions and fact finding information that enables us to assess and understand your requirements and objectives in relation to the loan you seek.

Credit Quote & Credit Proposal Disclosure Document

This document outlines the estimated costs associated when engaging our services for credit assistance.  The proposal document sets out the estimated costs of the proposed credit including disclosure to you of any commissions we may receive or pay to third parties. It also outlines the terms of your engagement with us.

Testimonials

“Thank you Redrock for all your assistance with refinancing our home & investment loans. It was pleasing to talk to a company that understood our situation and responded quickly & effectively. Your flexible approach was a refreshing change from our previous Bank Manager”. I have already passed on your details to my friends and colleagues”

Steve D, SA