About StepUp Wealth

Step Up Wealth Pty Ltd (ABN 49 655 397 381) ("StepUp Wealth", "we", "us", or "our") is a Credit Representative (Credit Representative Number 537114) authorised under Australian Credit Licence 388570, held by Vision Aggregation Pty Ltd.

StepUp Wealth provides mortgage broking services, including credit assistance, to consumers in Australia. Our services are provided in accordance with the National Consumer Credit Protection Act 2009 (Cth) ("NCCP Act") and the associated National Credit Code.

General information only

The information contained on this website is of a general nature only and does not take into account your personal financial situation, objectives, or needs. It is not intended to constitute financial product advice, credit advice, tax advice, legal advice, or any other form of professional advice.

Before acting on any information on this website, you should consider whether it is appropriate for your circumstances. We strongly recommend that you seek independent professional advice - including from a qualified financial adviser, accountant, and/or solicitor - before making any financial decisions.

Nothing on this website constitutes a recommendation to apply for any particular credit product or to engage the services of any particular lender.

Credit assistance

When you engage StepUp Wealth to assist you with a home loan application, we provide credit assistance as defined under the NCCP Act. This means we may suggest that you apply for a particular credit contract, assist you to apply, or suggest that you remain in a particular credit contract.

Before providing credit assistance, we are required to make reasonable enquiries about your financial situation, requirements, and objectives, and to assess whether the proposed credit contract is not unsuitable for you. We will provide you with a Credit Proposal Disclosure Document and a Credit Guide before proceeding.

Best Interests Duty

As a mortgage broker, StepUp Wealth is subject to the Best Interests Duty under the NCCP Act. This means we are required to act in your best interests when providing credit assistance, and to prioritise your interests over our own interests or the interests of any lender.

In practice, this means we compare loan products across our panel of lenders and recommend the product that we genuinely believe is the best fit for your situation - not the product that earns us the highest commission.

Remuneration and conflicts of interest

StepUp Wealth is remunerated by lenders in the form of commissions when a loan we recommend is settled. This includes:

• →Upfront commission: A one-off payment from the lender, typically calculated as a percentage of the loan amount settled (usually 0.55%–0.65% + GST).

• →Trail commission: An ongoing payment from the lender, typically calculated as a percentage of the outstanding loan balance (usually 0.15%–0.20% + GST per annum).

Commission rates vary between lenders. We are required to disclose the specific commission amounts applicable to any loan we recommend, in writing, before you proceed with an application. This disclosure is made in our Credit Proposal Disclosure Document.

We do not charge you a fee for our services. Our remuneration is paid by the lender and does not affect the interest rate or fees you pay on your loan.

Accuracy of information

While we take reasonable care to ensure the accuracy of the information on this website, we make no representations or warranties, express or implied, as to the accuracy, completeness, or currency of any information on this website.

Interest rates, fees, product features, and lender policies change frequently. Any rates or product information displayed on this website are indicative only and may not reflect current market conditions. You should verify all information directly with the relevant lender before making any decisions.

Third-party links

This website may contain links to third-party websites. These links are provided for convenience only. StepUp Wealth does not endorse, control, or take responsibility for the content of any third-party website. We recommend that you review the terms and conditions and privacy policy of any third-party website before using it.

Limitation of liability

To the maximum extent permitted by law, StepUp Wealth excludes all liability for any loss or damage (including direct, indirect, consequential, or incidental loss or damage) arising from your use of this website or reliance on any information contained on this website.

This disclaimer does not exclude any liability that cannot be excluded under applicable law, including the Australian Consumer Law.

FBAA membership

StepUp Wealth is a member of the Finance Brokers Association of Australia (FBAA). As an FBAA member, we are bound by the FBAA Code of Practice, which sets out standards of professional conduct for mortgage brokers in Australia.

The FBAA Code of Practice requires members to act honestly, fairly, and professionally, and to comply with all applicable laws and regulations. A copy of the FBAA Code of Practice is available at fbaa.com.au.

Credit Guide

Before we provide you with credit assistance, we are required to give you a Credit Guide under the NCCP Act. Our Credit Guide contains important information about:

→Who we are and our contact details

→Our Australian Credit Licence details

→The types of credit products we can assist with

→How we are remunerated (including commissions)

→Any associations with lenders that may influence our recommendations

→Our internal and external dispute resolution processes

You will receive our Credit Guide before we provide you with any credit assistance. If you have not received a Credit Guide and we have begun providing you with credit assistance, please contact us immediately.

Contact us

If you have any questions about this disclaimer or our services, please contact us:

Step Up Wealth Pty Ltd

ABN: 49 655 397 381

Credit Representative: 537114 | ACL: 388570 (Vision Aggregation Pty Ltd)

hello@stepupwealth.com.au