Website Terms of Use & Disclaimer

Last updated: April 2026

These terms govern your use of themortgagepanel.com.au (the “site”), including any calculators, online forms, chatbots, guides, and related tools. The site is operated by Axis Home Loans Pty Ltd (ABN 34 696 654 162), trading as The Mortgage Panel — an authorised corporate credit representative (536563).

By using the site, you agree to be bound by these terms. If you do not accept them, please do not use the site.

1. General information only

The information on this site is general in nature only. It does not take into account your personal objectives, financial situation, or needs. Nothing on this site is financial product advice, credit advice, taxation advice, or legal advice.

Before acting on any information, you should consider whether it is appropriate for your circumstances and, where relevant, obtain independent professional advice. To receive credit assistance that takes account of your situation, please contact us — we will only recommend a specific product after we have completed a preliminary assessment in accordance with our Credit Guide.

2. No offer of credit

Nothing on this site constitutes an offer of credit, an invitation to apply for credit, or a guarantee that any particular loan, rate, feature, or grant will be available to you. Any examples, indicative figures, or rates shown are for illustration only. Actual loan terms depend on lender criteria, your circumstances, the property, and conditions at the time of application.

3. Calculators and online tools

The calculators and tools on this site are provided to help you explore scenarios. They rely on assumptions and the information you input, and they:

do not include all fees, charges, taxes, or government costs that may apply
do not factor in lender-specific serviceability rules, buffers, or assessment rates
do not constitute a quote or an approval, and are not a substitute for a formal lender assessment

Results should be treated as a starting point for discussion, not a definitive answer.

4. Chatbot and AI-assisted content

Our website includes a chatbot that uses automated systems and artificial intelligence to answer common questions and to help you reach a broker. The chatbot provides general information only — it cannot give personal credit advice, recommend a lender or product for you, or guarantee that you will be approved for any loan. If you ask the chatbot something that requires tailored advice, it will offer to connect you with a person.

5. Accuracy and currency of information

We take reasonable care to keep information on the site accurate and up to date. Lender rates, policies, government grants, taxation rules, and economic conditions all change, and there may be periods where information on the site is incomplete or out of date. We do not guarantee accuracy, completeness, or currency, and we are not responsible for any loss arising from reliance on information that has changed.

6. Third-party links and content

The site may include links to third-party websites or content. We provide these for convenience only. We do not endorse, control, or accept responsibility for the content, accuracy, privacy practices, or terms of any linked site. Following a third-party link is at your own risk.

7. Intellectual property

All content on the site — including text, layout, graphics, logos, images, calculators, and software — is owned by or licensed to The Mortgage Panel and is protected by Australian and international copyright, trade mark, and other intellectual property laws. You may view and download content for your personal, non-commercial use. You must not reproduce, republish, transmit, modify, or commercialise any part of the site without our prior written consent.

8. Your conduct on the site

When using the site, you must not:

provide false, inaccurate, or misleading information
impersonate another person or submit information about another person without their authority
upload or transmit viruses, malicious code, or anything intended to damage the site or interfere with other users
attempt to gain unauthorised access to the site, our systems, or other users’ information
use the site for any unlawful purpose or in a way that breaches these terms

9. Limitation of liability

To the maximum extent permitted by law, The Mortgage Panel, our directors, employees, agents, and credit representatives are not liable for any loss, damage, cost, or expense (whether direct, indirect, consequential, or otherwise) arising from your access to or use of the site, including any reliance on information, calculators, chatbot responses, or third- party content on the site.

Where any law (including the Australian Consumer Law in Schedule 2 to the Competition and Consumer Act 2010 (Cth)) implies a guarantee or condition that cannot be excluded, our liability for breach is limited (where permitted) to re-supplying the relevant service or the cost of having it re-supplied.

10. Privacy

Your use of the site is also governed by our Privacy Policy, which explains how we collect, hold, use, and disclose personal information. Please read it before submitting any enquiry.

11. Governing law

These terms are governed by the laws of Queensland, Australia. You and we submit to the non-exclusive jurisdiction of the courts of Queensland and the courts that hear appeals from them.

12. Changes to these terms

We may update these terms from time to time. The current version is always available at themortgagepanel.com.au/terms. By continuing to use the site after a change is published, you accept the updated terms.

13. Contact us

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