CENTURY 21 Home Loans
1800 630 673
Century 21 Home Loans right loan
Century 21 real estate Australia
Century 21 Home Loans Arrange an appointment

Important Disclosure

Century21 Home Loans Home Loan Process

Century21 Home Loans brokers follow a specific process:

      1. Century21 Home Loans contacts a borrower. Century21 Home Loans will make enquiries in a borrower's financial position, requirements & objectives and will confirm that the broker is able to assist the borrower. This call only takes 5 minutes and can really help with the process of buying a property. Note: At this stage we may collect private information;
      2. Century21 Home Loans arranges an appointment with a borrower, providing a selection and guidance on suitable products for the borrower e.g. 6 lenders products. Note: This will include us providing you with a Credit Guide, completing a Preliminary Assessment and providing you with a Credit Proposal;
      3. Century21 Home Loans collects the Application and supporting documents for the best product selected;
      4. Century21 Home Loans packages up and electronically submits the application directly to the lender;
      5. Century21 Home Loans liaises with the lender and ensures a quick approval is obtained with the least amount of hassle. At this point Century21 Home Loans can also assist your customer with obtaining a deposit bond. Note: Do not exchange on a Contract of Sale unconditionally without a Formal Approval. Should the lender not formally approve your loan you may lose your deposit;
      6. Century21 Home Loans will coordinate the valuation process and secure formal approval. Note: Now you are in a position to Exchange on a Contract of Sale. We always recommend a customer uses a qualified conveyancer or qualified legal representative to facilitate the exchange on your behalf;
      7. Century21 Home Loans will coordinate the lenders mortgage documents and make sure the loan settles on time. Note: We always recommend the customer seeks independent legal and financial advice;
      8. Loan settles;
      9. After settlement, Century21 Home Loans will contact the borrower and will ask them how satisfied they were with the Century21 Home Loans Brokers service and offer any Century21 Home Loans Services products to e.g. personal risk insurances etc. Note: if you do not want to be contacted by Century21 Home Loans Services you should make your Century21 Home Loans broker aware that you do not wish to be contacted.

National Consumer Credit Protection Act 2009

1 October 2010, the new National Consumer Credit Protection Act 2009 (NCCP) legislation regulates the way Century21 Home Loans conducts business.

NCCP is legislation, enforced by ASIC, designed to protect consumers and ensure ethical standards in the finance industry through the National Credit Code. The legislation also applies to referrers and requires any person giving credit advice to be licensed.

The legislation permits Real Estate Agents referring you to Century21 Home Loans.

Open For Inspections - Collection Notice

Privacy Act 1988, Spam Act 2003, Do Not Call Register Act 2006 and the National Consumer Credit Protection Act 2009.

We store and use your personal information collected from you at the opens for inspections for security purposes on behalf of our clients.

We will also use your personal information to contact you by means of any officer, contractor, employee or agent in relation to this property as well as other properties, products and services which we believe may be of interest to you and for customer feedback on our services.

In providing your personal information you consent to us collecting, storing and using your personal information in the manner set out above and you consent to us disclosing your personal information to our related bodies corporate and each of their officers, contractors, employees and agents who may collect, store and use of your personal information in the manner set out above.

You acknowledge and agree that this consent is effective consent for the purposes of the Do Not Call Register Act 2006, Spam Act 2003,Privacy Act 1988 and National Consumer Credit Protection Act 2009 and is deemed to be for an indefinite period (unless you advise us differently).  If the information is not provided by you we may not be able to provide an effective service to you.

If you require more information you can contact CEO, Century21 Home Loans, Level 6, 33 York Street, Sydney NSW 2000. Phone: (+612) 8259 0600, or email admin@century21homeloans.com.au

General Referrer NCCP Obligations

The general Obligations applied to Referrers are as follows:

  • Are restricted in the credit product information they can provide to a consumer;
  • Cannot be banned from engaging in credit activities under State, Territory or Commonwealth law;
  • Cannot charge a fee to the consumer for the referral;
  • Must disclose commissions or other benefits they receive from Century21 Home Loans Home Loans. Detail of these commission are disclosed in this document and made available at the Open House for inspection;
  • The Referrer obtains the consent of the consumer to pass their name, contact details and the purpose for which the credit is sought to Century21 Home Loans Home Loans. Note: consent is inferred when you give an Agent you contact details. Please read and understand the terms of your consent on the displayed 'Collection Notice' and contained in this brochure;
  • May not share confidential information;
  • Complies with their Century21 Home Loans Referrer Terms and Conditions;
  • Complies with all relevant laws including but not limited to, Property Stock and Business Agents Act, National Consumer Credit Protection Act, Privacy Act, Spam Act and Do Not Call Act.

Referrer Terms & Conditions

If you refer potential borrowers to Century21 Home Loans, you will be deemed to have agreed to the terms below.

You must:
  • only engage in credit activities as a referrer incidentally to another business you are carrying on;
  • not charge a fee to the consumer for the referral;
  • only inform the consumer that we are able to arrange loans and leases but not specify any particular product, and not provide any recommendations or advice concerning loans or leases;
  • inform the consumer of any commissions or other benefits you may receive;
  • obtain the consent of the consumer to pass their name, contact details and a short description of the purpose for which the consumer may want the credit or lease; and
  • pass the consumer's contact details to us within five business days of informing the consumer that we are able to arrange loans and leases but not any specified particular product.
  • not be listed on the ASIC banned or disqualified register

Century21 Home Loans Referrer Commission Rates

Century21 Home Loans Referrer Commission varies from lender to lender but generally, Century21 Home Loans generally pays a referrer the following percentages of its commission to a referrer:

Referrer Type:

Amount Paid:


15% of the Upfront Commission. Av. Commission $500.

Referrer's Office

10% of the Total Commission.

Frequently Asked Compliance Questions

Why can't you tell us what the best deal in the market is anymore?

We commonly receive requests from people who would like to know the lender and the interest rate. Under the new legislation this is simply no longer possible for us to do our job properly without knowing a customer full situation and seeing their supporting documents.

This is firstly because it is against the NCCP Act for us to recommend a product without making enquiries and verifying your information, but secondly because we can’t provide accurate advice without this information. There are hundreds of different credit policies which can affect the outcome.

Applying for a home loan is a complicated process and if we do not complete a preliminary assessment correctly then we risk having a loan declined or missing out on the most affordable loan product.

What do I do if I want to make a complaint?

In the rare instance a complaint occurs. Please ask the customer to forward their written complaint to:
    Century21 Home Loans
    Level 6
    33 York Street
    Sydney NSW 2000

Alternatively should they just wish to talk to someone, please have them call James Green on +612 8259 0600

Where can I find out more information?

By contacting your Century21 Home Loans broker or emailing your questions through to admin@century21homeloans.com.au

Or if your query is regarding the National Consumer Credit Protection Act by Contacting ASIC.