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#44: Borrowing Capacities up as of today

Borrowing capacity up 14 per cent from today Attention home buyers… starting today, the amount you can borrow may have just increased by as much as 14 per cent. The banking regulator APRA has now officially set new rules for how the banks calculate your borrowing capacity.  When conducting their serviceability tests, lenders were previously […]

Carolyn Bray, head of credit at Macquarie

In this short video Carolyn unpacks the key factors currently impacting Australia’s credit environment. The key takeaways are as follows: – Borrowing capacity is down approx. 20% across the board, however most borrowers don’t stretch to their maximum borrowing capacities – The national housing market has contracted approx. 6% in aggregate over the past 12 […]

#34: Credit cards kill your borrowing capacity

Most borrowers assume credit or store cards do not affect their borrowing capacity.  But, even if you only have one card which you clear in full each month (or never even use), this can have a substantial impact.   Today we’re providing some detail on how and why a credit card can impinge on your […]

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Disclaimer

The information on this website is intended for general information purposes only. Nothing in this website constitutes or is intended to constitute investment, financial or legal advice and should not be relied upon by any person as a substitute for professional advice. Readers are strongly encouraged to seek independent legal and financial advice before making any investment decision.

The company makes no warranties in relation to the information provided and, to the full extent allowed by law, disclaims all warranties of any kind, express or implied.

While every care has been taken to ensure all information contained on the website is correct at the time of writing, the company, nor its representatives or associates are liable to any person for any loss or damage arising out of or in connection with any inaccuracy, error or omission contained herein (including in relation to any statement, opinion, representation, data, graphic, calculation, hyperlink or reference).

In compiling the information on this website, the company relies upon information and material supplied by third parties. To the full extent permitted under the law, the company is not liable to any person whatsoever for any loss or damage arising out of or in connection with:

(a) any statement, opinion, representation, or omission made by a third party;

(b) any resource or third party website link, or the accuracy of any information or material contained on a third party website; and

(c) any copyright infringement or other breach of intellectual property rights by a third party.

Privacy Policy

At Long Property, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

 

What information do we collect and how do we use it?

We will ask you for personal information when we assist you with your finance.  We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).

We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc.  We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.

We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.

We may also use your information internally to help us improve our services and help resolve any problems.

 

What if you don’t provide some information to us?

If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.

 

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements

We hold the information we collect from you high security servers. We ensure that your information is safe by using firewalls and antivirus software and using a trusted web host who values business security. We also lock computers, regularly install updates, and regularly change passwords.

 

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event.  However, we will do our best to ensure that they protect your information in the same way that we do.

We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.

 

How can you check, update or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information please write to Daniel Gold at dan@longproperty.com.au.

We do not charge for receiving a request for access to personal information or for complying with a correction request. We do not charge for providing access to personal information.

 

Your consent

By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

 

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Daniel Gold on (ph:) 1300 005 664, or via email – dan@longproperty.com.au.

 

Complaints

Internal Dispute Resolution

If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; The Complaints Officer at Long Property, Daniel Gold, (ph:) 1300 005 664; email – dan@longproperty.com.au, please make sure you include as much information as you can.

You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.