Website Terms & Conditions

HQ Mortgage
Effective date: 14 October 2026

1. About These Terms

These Website Terms & Conditions govern your access to and use of the HQ Mortgage website at www.hqmortgage.com.au, including its webpages, published information, enquiry facilities, downloadable materials, links and other features made available through the website.

In these terms, “HQ Mortgage”, “we”, “us” and “our” refer to INRIM Consulting Group Pty Ltd, trading as HQ Mortgage.

Our business details are:

• Legal entity: INRIM Consulting Group Pty Ltd
• Trading name: HQ Mortgage
• ABN: 77 620 129 679
• Australian Credit Licence: 559779
• Business address: 10/857 Doncaster Road, Doncaster East VIC 3109, Australia
• Telephone: 0433 371 658
• Email: finance@hqmortgage.com.au
• Website: www.hqmortgage.com.au

By accessing or using our website, you agree to comply with these terms and applicable laws. If you do not agree, you should discontinue using the website.

These terms apply to your use of our website. They do not, by themselves, create a formal finance broking engagement, constitute a credit application, guarantee the provision of credit assistance or replace any separate documents governing a finance application or transaction.

2. Our Business and Services

HQ Mortgage provides finance broking and related assistance within the scope of its business and applicable authorisations.

Our services may include assistance with:

• Home loans and property purchases
• Home loan refinancing
• Investment property finance
• Vehicle and car loans
• Ute, van and truck finance
• Equipment and business asset finance
• Commercial property finance
• Other finance products and services offered from time to time

The availability of a particular service depends on your circumstances, the type of finance requested, lender requirements and our ability to assist with the matter.

Not every lender, product or finance option will be available to every applicant.

Our website describes the general nature of our services. It does not constitute a promise that we can arrange finance for every applicant, property, vehicle, business or transaction.

3. General Information Only

Information published on our website is provided for general informational and educational purposes.

Website content is not intended to constitute personalised financial, legal, taxation, accounting or investment advice. It does not take into account all aspects of your personal circumstances, financial position, objectives or requirements.

You should not make a financial decision solely on the basis of general website content.

Where you seek assistance from HQ Mortgage, we may need to obtain further information, assess your circumstances and provide relevant disclosures or recommendations in accordance with the obligations applicable to the service.

You should obtain independent professional advice where appropriate, particularly where a decision involves significant financial, legal, taxation or investment consequences.

Nothing in this section excludes any obligation that we have under applicable law when providing regulated credit assistance or other services.

4. Accuracy and Currency of Information

We take reasonable care when preparing and maintaining website content. However, we do not guarantee that all information is complete, accurate, current or suitable for every purpose.

Information may change because of updates to:

• Lender policies and eligibility requirements
• Interest rates, fees and product features
• Government schemes and incentives
• Laws, regulations and regulatory guidance
• Property and financial market conditions
• Third-party services and published information

Website information may not reflect changes that have occurred since it was published or last reviewed.

You should verify important information with HQ Mortgage, the relevant lender, government authority or another appropriate source before relying on it.

Where we identify an error or outdated information, we may correct or update the relevant content.

Nothing in these terms permits misleading or deceptive conduct or removes any obligation that cannot lawfully be excluded.

5. No Guarantee of Finance Approval or Outcomes

Any discussion of a potential finance option, indicative assessment, quotation, illustration or possible lending outcome is subject to the relevant lender’s assessment and requirements.

We do not guarantee:

• Approval of a loan or finance application
• Eligibility for a particular product or lender
• A particular interest rate, loan amount or repayment
• Availability of a specific loan term or product feature
• Approval within a particular timeframe
• Acceptance of a property, vehicle, business or other proposed security
• A particular financial, investment or business outcome

A lender may request further information, impose conditions, decline an application or offer terms different from those initially discussed.

Lending decisions are made by the relevant lender. HQ Mortgage does not control a lender’s credit policies, processing timeframes or final decision.

Any finance arrangement is subject to the final terms and conditions issued by the relevant lender and accepted by the applicable parties.

You should carefully review all loan documents before accepting a finance offer or entering into a credit contract.

6. Calculators, Estimates and Examples

Where our website provides calculators, repayment estimates, borrowing-capacity illustrations, comparisons or other financial calculations, those results are indicative only.

Calculations may depend on assumptions and information entered by the user, including:

• Loan amount and loan term
• Interest rate and repayment frequency
• Income, expenses and existing liabilities
• Fees, charges and other costs
• Lender assessment criteria
• Product features and repayment structures

An estimate may not include every cost, charge, tax, insurance premium or other amount relevant to a particular transaction.

Actual repayments, borrowing capacity, total loan costs and finance terms may differ from an online estimate.

You are responsible for checking the information entered into a calculator. You should not rely solely on an estimate when deciding whether to apply for, enter into or change a finance arrangement.

Where no calculator or calculation tool is provided, this section does not imply that such a feature is available.

7. HQ Mortgage’s Role as a Finance Broker

HQ Mortgage may assist clients by discussing their requirements, collecting relevant information, identifying potential finance options, preparing or facilitating applications and communicating with lenders or other relevant parties.

The scope of assistance provided in a particular matter will depend on the circumstances, the type of credit assistance sought, the applicable engagement and our legal obligations.

We do not act as the lender merely because we assist with a finance application. Unless expressly authorised and legally permitted, we do not make the lender’s credit decision or guarantee the lender’s performance.

Where applicable, we will comply with the obligations arising under our Australian Credit Licence and the laws governing the credit assistance we provide.

Website information does not replace any Credit Guide, credit quote, credit proposal disclosure document, credit assistance disclosure, privacy collection notice, consent, application document or other disclosure required for a particular matter.

The applicable documents and legal obligations will govern the relevant credit assistance or engagement.

8. Fees, Commissions and Other Remuneration

HQ Mortgage may receive commissions or other payments from lenders or third parties in connection with certain finance arrangements or referrals.

The amount and structure of any remuneration may vary depending on the lender, product, finance amount, arrangement and other relevant factors.

Our remuneration and any fees, commissions or other payments that must be disclosed will be addressed through the applicable disclosure documents and processes.

We currently provide remuneration information through the finance application process. However, where applicable law requires a disclosure at an earlier stage, that earlier requirement takes precedence.

You should read all relevant disclosures carefully and contact us if you require clarification about our remuneration or any fee payable by you.

You should not assume that every lender or product has identical commercial arrangements or that all services are necessarily free of charge.

Any fee payable by you must be communicated and agreed in accordance with the applicable arrangements and legal requirements.

Nothing in this section replaces or limits any required disclosure obligation.

9. Your Responsibilities When Using the Website

When using our website or communicating with us, you agree to:

• Provide information that is accurate and not knowingly misleading
• Use the website only for lawful purposes
• Not impersonate another person or misrepresent your identity or authority
• Not provide personal information or documents belonging to another person unless you are authorised to do so
• Not interfere with the website’s operation, security or availability
• Not attempt unauthorised access to our systems, accounts, data or networks
• Not introduce viruses, malicious code or other harmful material
• Not use the website to engage in fraud, deception or unlawful activity
• Not copy, extract or commercially exploit website content without permission or lawful authority
• Not use the website in a way that infringes another person’s rights

We may take reasonable steps to protect our website, business, systems and users where misuse, unlawful activity or a security risk is suspected.

Any restriction or suspension of access remains subject to applicable law and any rights that cannot lawfully be excluded.

10. Website Enquiries and Information You Provide

You may contact HQ Mortgage using the contact details or enquiry facilities made available on our website.

Submitting an enquiry does not, by itself:

• Establish a formal broker-client engagement
• Guarantee that we will accept or progress your matter
• Constitute a complete finance application
• Constitute lender approval or a finance offer
• Guarantee a response or decision within a particular timeframe
• Replace any required disclosure, consent or verification process

We may need further information or documents before we can assess your enquiry or provide assistance.

You are responsible for ensuring that information you provide is accurate, complete to the best of your knowledge and provided with the necessary authority.

Please do not send passwords, payment-card security codes or other highly sensitive information through an ordinary website form or unsecured communication channel.

We handle personal information in accordance with our Privacy Policy and applicable privacy laws.

11. Privacy and Personal Information

When you contact us or use our website, we may collect personal information that you choose to provide and, where applicable, technical information associated with website use.

The information collected and the purposes for which it is used will depend on the nature of your interaction with us.

Personal information may be collected, used or disclosed for purposes such as responding to enquiries, assessing requests for assistance, providing services, managing our business, meeting legal obligations and other purposes explained in our Privacy Policy or at the time of collection.

We may need to disclose information to relevant lenders, service providers, professional advisers, technology providers, contractors, regulators or other recipients where permitted or required by law and where relevant to the purpose.

Some service providers or authorised personnel may access information from outside Australia. The handling of information is subject to our applicable privacy obligations and arrangements.

For further information about the collection, use, storage, security, access and correction of personal information, please read our Privacy Policy.

If you have questions or concerns about how we handle your personal information, you may contact us using the details in these terms.

12. Electronic Communications and Website Technologies

We may communicate with you by telephone, email or other communication channels where appropriate and permitted by law.

Where our website uses cookies, analytics tools, social media integrations, marketing technologies or similar features, their use will be subject to applicable legal requirements and our relevant privacy and consent processes.

The availability and operation of these technologies may depend on third-party providers, browser settings and other technical factors.

Electronic communications and internet transmissions can involve security risks. We take reasonable measures to protect information within our control but cannot guarantee that every transmission will be secure, uninterrupted or free from technical errors.

Nothing in this section removes any obligation imposed by applicable privacy, electronic communications or marketing laws.

13. Third-Party Websites, Lenders and Services

Our website may contain links to lender websites, government resources, social media platforms, comparison services or other third-party websites and services.

These links may be provided for convenience or informational purposes.

Unless expressly stated otherwise, the presence of a link does not mean that HQ Mortgage endorses, controls or guarantees the accuracy, security, availability or suitability of the third-party website or service.

Third parties operate independently and may have their own terms, privacy policies, eligibility requirements, fees and conditions. You should review those documents before using their services or providing personal information.

We are not responsible for the independent operation of third-party websites or services except to the extent responsibility cannot lawfully be excluded.

Where a lender or another third party provides a product, makes a decision or performs a service, its applicable terms and obligations will govern that product, decision or service.

14. Intellectual Property and Website Content

Unless otherwise indicated, website content, including text, graphics, logos, branding, images, page layouts and original materials, is owned by or licensed to INRIM Consulting Group Pty Ltd or HQ Mortgage.

You may access and use website content for personal or internal business information purposes.

Without our prior written permission or other lawful authority, you must not:

• Reproduce or republish substantial portions of our website content
• Sell or commercially exploit our content
• Redistribute our content as your own
• Use our branding or logos in a way that suggests an unauthorised association with HQ Mortgage
• Modify or create derivative materials from our content for commercial use
• Remove proprietary notices or misrepresent ownership of our materials

These restrictions do not affect rights or exceptions available under applicable law.

Third-party names, logos and trademarks remain the property of their respective owners.

15. Website Availability, Maintenance and Security

We aim to maintain a functional website, but we do not guarantee that it will always be available, uninterrupted, error-free or compatible with every device or browser.

The website may be temporarily unavailable because of maintenance, hosting issues, software updates, technical faults, cyber incidents or circumstances beyond our reasonable control.

We may update, modify, suspend or discontinue website features or content where reasonably necessary.

You are responsible for taking reasonable precautions to protect your own devices, accounts and information when accessing the internet.

Nothing in this section excludes an obligation that the law requires us to meet.

16. Promotions, Rewards and Special Offers

HQ Mortgage may publish promotions, rewards, competitions or special offers from time to time.

Further information will be provided on our Promotions and Rewards webpage and, where applicable, in separate terms and conditions for a particular promotion.

A promotion may be subject to specific eligibility criteria, participation requirements, time limits, exclusions, reward conditions and disclosures.

You should review the applicable promotion terms before participating.

If there is an inconsistency between these general Website Terms & Conditions and specific promotion terms, the specific terms will apply to the promotion to the extent permitted by law.

No promotion or reward is intended to operate in a way that breaches applicable credit, consumer, advertising or other legal requirements.

If no relevant promotion is available, the existence of this section does not mean that a promotion is currently operating or that you are entitled to a reward.

17. Testimonials, Reviews and Marketing Content

Our website may contain customer feedback, reviews, testimonials, case studies or other marketing material.

Such content is provided for general information and may reflect the experiences or circumstances of particular individuals. It does not guarantee that another person will receive the same outcome.

Finance outcomes depend on individual circumstances, lender requirements and other factors.

Testimonials, reviews and case studies should be genuine and presented in a manner consistent with applicable laws.

Where examples are used, they should not be treated as a promise or guarantee of a future outcome.

Nothing in this section implies that a testimonial, review or case study is currently displayed on the website if it is not.

18. Customer Feedback and Complaints

We welcome feedback about our website, services and customer experience.

If you have a concern about our services, you may contact us using the details published on our website or refer to our Customer Feedback & Resolution webpage for information about how feedback and complaints may be handled.

Where a matter constitutes a complaint under applicable requirements, we will handle it in accordance with our internal dispute resolution arrangements and applicable legal and regulatory obligations.

Eligible complainants may also have access to external dispute resolution through the Australian Financial Complaints Authority (AFCA), subject to its rules and jurisdiction.

Nothing in these Website Terms & Conditions restricts your right to raise a complaint, access an applicable dispute resolution process or exercise any other right available under law.

19. Limitation of Liability

To the extent permitted by law, we are not responsible for loss or damage arising from your use of, or inability to use, the website or your reliance on general website information, including loss associated with outdated information, technical interruptions, third-party websites or indicative calculations.

This provision does not exclude or limit liability where doing so would be unlawful.

Nothing in these terms excludes, restricts or modifies any consumer guarantee, statutory right, remedy or other protection that cannot lawfully be excluded, restricted or modified.

Where liability may lawfully be limited, any limitation applies only to the extent permitted by law and in the circumstances to which it lawfully applies.

Nothing in these terms excludes or limits our obligations in relation to regulated credit assistance, privacy, misleading or deceptive conduct, negligence or any other matter where exclusion or limitation is prohibited by law.

20. Responsibility for Unlawful Use

You are responsible for your use of our website and for complying with these terms and applicable laws.

If your unlawful use of the website, deliberate misuse of our systems or infringement of another person’s rights causes loss for which you are legally responsible, we may pursue remedies available under applicable law.

Nothing in these terms requires you to indemnify us for loss caused by our own conduct where such an indemnity would be unlawful, unfair or otherwise unenforceable.

21. Changes to the Website and These Terms

We may update website content, features or these Website Terms & Conditions from time to time to reflect changes to our business, website, services, practices or applicable legal requirements.

The latest version of these terms will be published on our website, with an updated effective date where appropriate.

Changes to these website terms apply from the date stated in the updated version, subject to applicable law.

A change to these website terms does not automatically vary a separate agreement already entered into with a client.

We encourage you to review this page periodically.

22. Governing Law and Jurisdiction

These terms are governed by the laws applicable in Victoria, Australia, subject to any mandatory laws that apply in another jurisdiction.

Disputes concerning these terms are subject to the jurisdiction of courts or tribunals with authority to hear the relevant matter, subject to applicable law.

Nothing in this section limits any right a person may have to bring proceedings in another court or tribunal where applicable law permits or requires it.

23. Severability

If any provision of these terms is found to be unlawful, invalid or unenforceable, it will be read down to the extent necessary where legally possible.

If it cannot be read down, it will be severed to the extent required, and the remaining provisions will continue to operate to the extent they remain valid and enforceable.

This section does not permit a provision to be enforced where the law prohibits its enforcement.

24. No Waiver

If we do not exercise, or delay exercising, a right available to us, this does not automatically mean that we have waived that right.

Any waiver will be effective only to the extent permitted by law and the circumstances in which it is given.

25. Relationship With Other Documents

These Website Terms & Conditions govern general use of the HQ Mortgage website.

They are intended to operate alongside, rather than replace, other applicable documents, which may include:

• Our Privacy Policy
• Our Website Disclaimer
• Our Credit Guide and other required credit assistance disclosures
• Applicable credit application and engagement documents
• Our Customer Feedback & Resolution information
• Our Promotions and Rewards terms
• The relevant lender’s product information and loan contract

Different documents may apply at different stages of an enquiry, credit assistance process, application or transaction.

Where a separate agreement governs a particular service or transaction, that agreement will apply in accordance with its terms and applicable law. Mandatory legal obligations and non-excludable rights take precedence over any inconsistent wording.

Nothing in this section excludes any right or obligation arising by law.

26. Contact Us

If you have a question about these Website Terms & Conditions, please contact us.

HQ Mortgage
INRIM Consulting Group Pty Ltd
ABN: 77 620 129 679
Australian Credit Licence: 559779
10/857 Doncaster Road, Doncaster East VIC 3109, Australia
Telephone: 0433 371 658
Email: finance@hqmortgage.com.au
Website: www.hqmortgage.com.au

Important Notice

These Website Terms & Conditions are provided for general website information purposes only. They may not cover every circumstance and may not reflect all subsequent changes to our business practices, website features or applicable legal and regulatory requirements.

They are not a substitute for legal advice, current internal policies, formal policy documents or the documents governing a particular client engagement or finance transaction.

If you are unsure about any aspect of these terms, require clarification or need the policy document relevant to a particular matter, please contact HQ Mortgage and request the applicable document.

Applicable laws, regulatory obligations and non-excludable rights take precedence over any inconsistent wording on this website.