Privacy Policy

Last updated: April 2026

Axis Home Loans Pty Ltd (ABN 34 696 654 162), trading as The Mortgage Panel (“we”, “us”, “our”), is committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use, disclose, and protect your personal information and credit-related information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), the Privacy (Credit Reporting) Code 2014 (CR Code), and the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act).

By using our website, contacting us, or providing your information through one of our enquiry forms, you consent to your personal and credit information being collected, held, used, and disclosed as described in this Policy.

1. What information we collect

The kinds of personal information we collect from you may include:

• Identity and contact details — full name, date of birth, residential and postal address, email, phone, and identification documents (driver licence, passport, Medicare card)
• Financial information — income, employment status and history, assets, liabilities, expenses, savings, tax returns, payslips, bank statements, and superannuation details
• Credit information — including credit history, credit score, repayment history, defaults, court proceedings, and any credit-related personal information held by credit reporting bodies
• Property and loan information — the property you wish to buy, refinance, or invest in (location, value, type) and details of any existing loans
• Sensitive information — only where relevant and with your consent (e.g. health, family circumstances, or membership of a professional association where it affects your loan or insurance application)
• Online and device information — IP address, browser type, device identifiers, pages visited, referring URLs, and other analytics data captured through cookies and similar technologies
• Information about other people — if you provide us information about a co-applicant, guarantor, or referee, you confirm that you are authorised to do so and that they have been told this Policy applies

2. How we collect your information

Wherever practical, we collect information directly from you. This may happen when you:

• complete a contact form, get-started wizard, or chatbot interaction on this website
• call, email, or message us, or attend a meeting or video call
• complete a fact-find, application form, or supporting document
• subscribe to our updates or interact with our marketing

We may also collect information about you from third parties, including:

• credit reporting bodies, lenders, mortgage insurers, and other credit providers
• your accountant, financial planner, solicitor, conveyancer, real estate agent, buyer’s agent, employer, or referrer
• government agencies, public registers, and identity verification services
• our aggregator and the panel of lenders we deal with

If you do not provide the information we ask for, we may not be able to provide credit assistance, submit a loan application, or properly assess what is suitable for you.

3. Why we collect, hold, use and share your information

We collect, hold, use, and share your information so we can:

• respond to your enquiry and provide credit assistance and broking services
• verify your identity and meet our anti-money-laundering and counter-terrorism-financing obligations
• conduct a preliminary assessment of whether a credit contract is not unsuitable for you, and act in your best interests in selecting a recommended product
• compare lender products, prepare a credit proposal, and submit applications on your behalf with your consent
• manage and administer the loan once it has settled, including ongoing reviews
• meet our regulatory, legal, taxation, audit, and risk-management obligations
• train staff, improve our services, conduct research and analytics, and respond to feedback or complaints
• send you marketing and educational communications about products and services that may be relevant to you (you can opt out at any time — see Section 6)

4. Credit information and credit reporting bodies

Where you apply for credit, we may obtain a credit report about you from a credit reporting body (CRB). The CRBs we deal with are:

• Equifax Australia — www.equifax.com.au
• illion Australia — www.illion.com.au
• Experian Australia — www.experian.com.au

Each CRB has a policy describing how it manages your credit-related personal information. Under the CR Code you can ask a CRB not to use your credit information for direct marketing pre-screening, or to restrict its use for a period if you believe you have been, or are likely to be, the victim of fraud.

The lender or aggregator we submit your application to may also disclose your credit information to a CRB. CRBs may include your credit information in reports they provide to credit providers, which may affect your ability to obtain credit in the future.

5. Who we share your information with

We do not sell your personal information. We may share it with:

• our aggregator and the lenders on its panel
• the credit provider you choose to apply with, including any mortgage insurer (e.g. for high LVR loans)
• credit reporting bodies (see Section 4)
• third parties involved in your transaction with your authority — such as your solicitor, conveyancer, accountant, financial planner, or buyer’s agent
• service providers who help us run our business — including IT and cloud hosting, customer-relationship management, email, document storage, marketing, analytics, and identity-verification providers
• regulators, courts, and government agencies where required by law (e.g. AUSTRAC, ASIC, OAIC, ATO, AFCA, the police)
• any party to whom we sell or transfer (or propose to sell or transfer) any of our business or assets

6. Direct marketing and your right to opt out

From time to time we may use your contact details to send you information about products, rate updates, market commentary, and educational content. We rely on consent, the “related purpose” rule under APP 7, and the Spam Act 2003 (Cth) when we do this.

You can opt out of marketing at any time, at no cost, by clicking “unsubscribe” in any email, replying STOP to an SMS, or emailing us at lloyd@themortgagepanel.com.au. We will action your request promptly. Opting out of marketing does not stop us sending you communications that are necessary to provide our services to you (for example, transactional emails about your application).

7. Cookies, analytics, and online tracking

Our website uses cookies, web beacons, pixels, and similar technologies to help the site work, remember your preferences, measure how visitors use the site, and to support our marketing. We use Google Analytics 4 and Google Tag Manager, and we may use advertising and remarketing services from providers such as Google and Meta (Facebook).

Most browsers let you refuse, block, or delete cookies. If you turn cookies off, parts of this website may not work as expected. We do not knowingly use cookies to collect information that personally identifies you outside of analytics aggregations. If you submit an enquiry form we may link your form data to your prior site activity for the purpose of attributing the lead and improving the service.

8. Disclosure of information overseas

Some of our service providers store and process information on servers located outside Australia. These currently include providers in the United States and the European Union (for website hosting, transactional email and Microsoft 365 cloud services, automation tooling, and analytics). Where personal information is disclosed overseas we take reasonable steps to ensure recipients handle it consistently with the APPs and applicable law, including via contractual protections.

9. Storage, security, and retention

We hold information in electronic form within secure cloud services and (where relevant) in paper files. We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access, modification, or disclosure — including access controls, encryption in transit (HTTPS/TLS) and at rest where supported by the underlying provider, staff training, and reviewing our cyber-security posture.

We retain personal and credit information for as long as we need it to provide our services and to comply with our legal and regulatory obligations. Credit information is generally retained for at least 7 years from the last interaction. When we no longer require your information we destroy or de-identify it.

10. Notifiable data breaches

We comply with the Notifiable Data Breaches scheme under Part IIIC of the Privacy Act 1988 (Cth). If a data breach is likely to result in serious harm to you, and we cannot prevent that harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) as soon as practicable.

11. Accessing and correcting your information

You can ask us for access to the personal and credit information we hold about you, or ask us to correct it if you think it is wrong. We will respond to access requests within a reasonable time (generally within 30 days) and we do not charge a fee for making a request, although a reasonable cost-recovery fee may apply for larger access requests.

To make a request, contact our Privacy Officer using the details below. We may need to verify your identity before releasing information.

12. Privacy complaints

If you believe we have breached your privacy, please contact our Privacy Officer first so we can try to resolve the matter. We will acknowledge your complaint, investigate it, and respond to you in writing — usually within 30 days.

If you are not satisfied with our response, you can refer the matter to:

• Office of the Australian Information Commissioner (OAIC) — 1300 363 992, www.oaic.gov.au
• Australian Financial Complaints Authority (AFCA) — 1800 931 678, www.afca.org.au (for credit-related privacy complaints)

13. Changes to this Policy

We review this Policy from time to time and may update it to reflect changes in our practices, technology, legal requirements, or for other operational reasons. The current version is always available at themortgagepanel.com.au/privacy-policy. We encourage you to check this page periodically.

14. Contact us

Privacy Officer — The Mortgage Panel
Axis Home Loans Pty Ltd (ABN 34 696 654 162)
Email: lloyd@themortgagepanel.com.au
Phone: 0478 882 958