Who We Are

DeMarque Finance is a commercial and property finance advisory business specialising in structuring lending solutions for business owners and property investors across Australia.

We are authorised to provide credit assistance under Australian Credit Licence 384704. Credit assistance is provided through Credit Representative Andrew West, Credit Representative Number 522568, in accordance with the National Consumer Credit Protection Act 2009.

Our role is to assess your scenario, structure your application appropriately, and present it to lenders whose credit policy is aligned to your circumstances and objectives.

How We Can Assist

We provide credit assistance in relation to a range of finance products, including home loans, investment property loans, personal loans, business loans, asset and equipment finance, commercial property finance, development funding and related lending solutions.

• Assessing your borrowing objectives and financial position
• Making reasonable enquiries about your requirements and financial situation
• Taking reasonable steps to verify the information you provide
• Structuring finance scenarios aligned with lender requirements
• Recommending suitable lending options and managing the application process

Information Required From You

Before we suggest or assist you with entering into a loan or increasing the limit of an existing loan, we must assess whether that credit assistance would be unsuitable for you.

To do this, we are required to make reasonable enquiries about your borrowing objectives, requirements and financial situation, and to take reasonable steps to verify the information you provide.

• The loan may be unsuitable if you cannot repay it without substantial hardship
• The loan may be unsuitable if it does not meet your stated requirements or objectives
• If we provide credit assistance, we will provide a preliminary credit assessment on request where required

Privacy and Document Handling

We collect personal and financial information about you so we can provide broking and credit assistance services. The information you provide may be used to arrange or provide finance and related services.

Your information may be exchanged with lenders, product providers, verification services, advisers, industry bodies, dispute resolution bodies, legal authorities, contractors, outsourcing partners and other entities involved in assessing, verifying or arranging finance.

If you do not provide the information we reasonably require, we may be unable to assist in arranging finance or providing related services.

Commissions, Fees and Other Benefits

We may receive commissions from the lender or finance provider that provides your loan or lease. These commissions are not fees payable by you and further details will be disclosed in a Credit Proposal Disclosure Document before you proceed with finance.

If a fee is payable by you for our services, this will be disclosed to you in a Credit Quote before you apply for finance. You may also need to pay fees charged by the finance provider as part of the application process.

• Upfront commissions from lenders or finance providers
• Ongoing trail or recurring commissions where applicable
• Client fees where disclosed in advance
• Volume-based incentives or bonuses that may apply across total business written
• Referral commissions or fees paid to introducers, where relevant and disclosed

Important Things to Understand

We do not provide financial, legal or tax advice. It is important to understand your obligations under any proposed loan or lease and the financial consequences imposed by that debt.

If you have any doubts about a proposed finance contract, you should obtain independent financial and legal advice before entering into it.

We do not make representations about the current value of real estate financed through us or about future prospects of value. You should rely on your own enquiries and professional advisers where required.

How to Raise a Concern

If you have a complaint, please contact us and we will attempt to resolve the matter promptly. Our internal complaints process aims to resolve complaints within five business days where possible.

If the complaint is likely to take longer, you will be kept updated on progress and provided with a written response once the investigation is complete.

• Email: team@demarquefinance.com.au
• Phone: 1300 108 751
• If unresolved after 30 days, you may refer the matter to AFCA

Australian Financial Complaints Authority

If you are not satisfied with the outcome of your complaint, or you have not heard from us within 30 days, you may refer the matter to the Australian Financial Complaints Authority (AFCA), an ASIC-approved external dispute resolution scheme.

AFCA provides an independent mechanism for resolving specific complaints and disputes at no cost to you.

• Website: www.afca.org.au
• Email: info@afca.org.au
• Telephone: 1800 931 678
• Mail: GPO Box 3, Melbourne VIC 3001