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At Roar Financial, we believe that transparency is the foundation of every good relationship. These Terms & Conditions set out the rules and expectations that apply when you use our website or engage with our services as a mortgage broker and finance specialist.
We know that legal documents can feel overwhelming, so we have written these Terms & Conditions in plain language wherever possible. Our goal is to make sure you feel informed and confident about how we work together.
By accessing the Roar Financial website or using any of our services, including home loans, refinancing, personal loans, business loans, and investment loans, you agree to be bound by these Terms & Conditions. Please take the time to read them carefully before proceeding.
If you have any questions about anything in these Terms & Conditions, we encourage you to reach out to us directly. We are a team that knows our clients by name, and we are always happy to explain anything that is unclear.
About Roar Financial
Roar Financial is a licensed mortgage broking and finance business serving clients in Tasmania and across Australia. We act as an intermediary between you and a panel of lenders, helping you find a loan that suits your circumstances. We do not make lending decisions ourselves, and nothing in these Terms & Conditions should be read as a guarantee of loan approval or a form of financial advice.
All information provided on this website is general in nature. It does not take into account your personal financial situation, goals, or needs. Before acting on any information found on this site, we recommend speaking directly with a qualified member of the Roar Financial team.
Use of This Website
The content on the Roar Financial website is provided for general informational purposes only. While we take care to keep our content accurate and up to date, we cannot guarantee that all information is complete or current at all times. Roar Financial reserves the right to update or change the content of this website, including these Terms & Conditions, at any time without prior notice.
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not attempt to gain unauthorised access to any part of this website or its related systems.
Intellectual Property
All content on the Roar Financial website, including text, images, logos, and design elements, is the property of Roar Financial or its content suppliers and is protected by Australian copyright law. You may not reproduce, distribute, or use any content from this site without our written permission.
Third-Party Links and Lenders
Our website may contain links to third-party websites, including lender websites and industry resources. These links are provided for your convenience only. Roar Financial does not endorse or take responsibility for the content, accuracy, or practices of any third-party websites. When you leave the Roar Financial website, these Terms & Conditions no longer apply.
We work with a panel of lenders to source loan options for our clients. The availability of products and lenders may change over time. Roar Financial makes no representations about the suitability of any particular lender or product for your individual circumstances.
Privacy and Your Personal Information
Roar Financial is committed to protecting your personal information. The way we collect, use, and store your data is outlined in our Privacy Policy. These Terms & Conditions should be read alongside our Privacy Policy to give you a full picture of how we operate.
When you submit an enquiry or use any tools on our website, such as our borrowing capacity calculator, you consent to Roar Financial collecting and using your information in accordance with our Privacy Policy.
Limitation of Liability
To the extent permitted by law, Roar Financial excludes all liability for any loss or damage arising from your use of this website or reliance on its content. This includes, but is not limited to, errors or omissions in the information provided, interruptions to the website, or any decisions made based on content found on this site.
Nothing in these Terms & Conditions is intended to exclude rights that cannot be excluded under Australian consumer law.
Governing Law
These Terms & Conditions are governed by the laws of Tasmania and the Commonwealth of Australia. Any disputes arising from your use of the Roar Financial website or services will be subject to the jurisdiction of the courts of Tasmania.
Changes to These Terms & Conditions
Roar Financial may update these Terms & Conditions from time to time. The most current version will always be available on this page. We encourage you to review these Terms & Conditions periodically to stay informed of any changes. Continued use of our website after any changes are made constitutes your acceptance of the updated Terms & Conditions.
If you have a concern about how we have handled something, please visit our Feedback & Complaints page to understand your options.
Contact Us
We are always happy to answer questions about our Terms & Conditions or anything else related to our services. Reach out to the Roar Financial team today and speak with someone who genuinely cares about getting things right for you.
Step 1: Get in Touch
The first step is simple - reach out to us. Whether you call, email, or fill out our online enquiry form, we make it easy to start the conversation. There are no complicated forms or confusing jargon, just a friendly chat about what you are looking to achieve.
Step 2: Initial Consultation
We sit down with you - in person, over the phone, or via video call - to understand your goals, your financial situation, and your timeline. This is your chance to ask questions and for us to get a clear picture of what you need. We listen first so we can find the right solution for you.
Step 3: Assessment and Fact Find
We gather the key details about your income, expenses, assets, and liabilities. This helps us understand your borrowing capacity and identify the loan or finance product that best suits your circumstances. Everything is handled with care and confidentiality.
Step 4: Research and Recommendation
Using our access to a wide panel of lenders, we do the legwork for you. We compare products, rates, and features across multiple lenders to find options that genuinely match your needs. We then present our recommendation clearly, so you can make an informed decision with confidence.
Step 5: Application Preparation
Once you are happy with the recommended solution, we prepare and package your application. We guide you through the documents required and make sure everything is accurate and complete before it is submitted. A well-prepared application gives you the best chance of a smooth approval.
Step 6: Lodgement and Approval
We lodge your application with the lender and manage the process from start to finish. We stay in regular contact with the lender on your behalf and keep you updated every step of the way. If the lender needs anything further, we handle it quickly so there are no unnecessary delays.
Step 7: Settlement and Beyond
Once your loan is approved and settled, our job is not done. We check in to make sure everything has gone smoothly and that you are happy. As your circumstances change over time, we are here to review your finance and make sure it continues to work hard for you.
A little About Us
Roar Financial was built on the belief that every client deserves honest, clear communication. Our Terms & Conditions reflect that same commitment. We are not a faceless institution. We are a team of real people who take the time to understand your situation and explain how we work before we get started.
Whether you are exploring first home buyer options, looking at commercial loans, or considering asset finance, our team is here to make sure you feel informed and supported every step of the way. We are proud to serve clients in Tasmania and across Australia with the kind of personal attention that larger organisations simply cannot offer.
Our commitment to transparency means we are upfront about how we are paid, who we work with, and what you can expect from us. These Terms & Conditions are part of that commitment.
What Our Clients Say
Rodney helped us with our home loan and did a wonderful job of reassuring us and helping us navigate what can be a daunting experience, especially when buying our first home. Rod did a great job of finding a great lender and achieving an excellent outcome for our complex situation. We’re very grateful for all his help and would highly recommend him to anyone looking for a mortgage broker.
Sam
Frequently Asked Questions
Refinancing means replacing your existing home loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, including wanting a different loan structure, accessing equity in their property, or consolidating debts. Whether refinancing makes sense for your situation depends on a number of factors, including your current loan terms, any exit fees, and your financial goals. Roar Financial can help you review your current loan and compare it against other options available through our lender panel. We will walk you through the potential benefits and costs so you can make an informed decision that suits your circumstances.
Roar Financial can assist with a wide range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance and asset finance for business owners who need funding for equipment or vehicles. Every situation is different, and we take the time to understand what you are trying to achieve before exploring which options may be available to you. If you are unsure whether your lending need falls within what we can help with, simply reach out and we will have an honest conversation about how we can assist.
To get the ball rolling, it helps to have some basic information ready. This typically includes details about your income, such as payslips or tax returns if you are self-employed, along with information about your expenses, existing debts, and any assets you hold. If you are purchasing a property, details about the property and the purchase price are also useful. Do not worry if you do not have everything ready straight away. At Roar Financial, we will guide you through what is needed and help you gather the right documents at the right time. The important thing is to start the conversation so we can understand your situation.
The timeline can vary depending on the type of loan, the lender involved, and how quickly documents can be gathered and verified. In general, once an application is submitted with all the required information, lenders may take anywhere from a few days to a few weeks to assess and approve a loan. Roar Financial works to keep things moving by staying on top of your application and following up with lenders on your behalf. We will keep you updated throughout the process so you always know where things stand. Delays can sometimes happen, but having a broker managing the process means there is someone actively working to resolve any issues that come up.
When you go directly to a bank, you only see what that one lender has to offer. Roar Financial works with a panel of lenders, which means we can look across multiple options to find one that suits your circumstances. We take the time to understand your financial situation and goals before recommending anything. Our job is to represent you, not the lender. We also help you prepare your application properly, which can make the process smoother and less confusing. For clients in Tasmania and across Australia, having a local broker who genuinely understands your needs can make a real difference to your experience.
In most cases, mortgage brokers in Australia are paid a commission by the lender when a loan is settled. This means that in many situations, you do not pay us directly for our broking services. The commission structure is regulated under Australian law, and brokers are required to act in your best interests under the Best Interests Duty. We are always transparent about how we are paid, and we will explain this clearly before you proceed with anything. If there are any fees that apply to your specific situation, we will let you know upfront so there are no surprises along the way.
Having a less-than-perfect credit history does not automatically mean you cannot access finance. There are lenders on our panel who specialise in working with borrowers who have had credit challenges in the past, such as defaults or missed payments. Roar Financial will take the time to understand your full situation before exploring which lenders and products may be suitable. We will always be honest with you about your options and what to expect. We do not make promises about outcomes, but we do commit to doing the work to find out what is possible for you and presenting your application in the strongest way we can.
A mortgage broker acts as the go-between for you and a range of lenders. Rather than you having to approach each bank or lender on your own, a broker like Roar Financial does the legwork on your behalf. We assess your situation, help you understand your borrowing options, and present loan products from our panel of lenders that may suit your needs and goals. We handle the paperwork, liaise with lenders, and keep you informed throughout the process. Whether you are buying your first home, refinancing, or investing in property, having a broker in your corner means you have someone working for you, not for the bank.
Getting in touch with Roar Financial is straightforward. You can reach us by phone, email, or through our website to book a consultation at a time that suits you. We are happy to meet in person if you are based in Tasmania, or connect with you remotely if you are elsewhere in Australia. There is no obligation involved in having an initial conversation with us. We simply take the time to listen to your situation, answer your questions, and explain how we may be able to help. The sooner you reach out, the sooner we can start working on finding the right lending solution for your needs.
Not at all. While Roar Financial is proudly based in Tasmania, we work with clients right across Australia. Thanks to phone, email, and video calls, we can have meaningful conversations with you no matter where you are located. We understand that different parts of Australia have different property markets and lending considerations, and we take the time to understand your local context. Whether you are in Hobart, Melbourne, Brisbane, or anywhere in between, Roar Financial is set up to support you through the process of finding a loan that works for your situation.
Ready to Take the First Step?
If you have read through our Terms & Conditions and are ready to explore your finance options, we would love to hear from you. Book an appointment with the Roar Financial team and let us help you find a loan that works for your situation.
Latest Articles
Stay informed with the latest insights from the Roar Financial team. We share practical tips and helpful information to support clients in Tasmania and across Australia with their home loan and finance decisions.
