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An Authorised Credit Representative. Credit representatives are authorised to engage in specified credit activities on behalf of a credit licensee.

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FAQs Glossary

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Requirements & Objectives

What the customer is looking to achieve and expects from the loan.

Redraw Facility

Redraw facility is a loan feature that allows consumers to access any extra funds that have been contributed to their home loan. Redraw facilities can give customers flexibility when needed and allow them to make extra repayments to pay off their loan faster.

Recommendation

A suggestion to a consumer that they apply for, increase or remain in a particular credit contract. This can only be given once an assessment is completed and the assessment result is that the particular credit contract is ‘not unsuitable’ for the consumer. This is a form of credit assistance.

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