Intime Mortgage Pty Ltd
ABN: 84 620 582 890
Australian Credit Representative Number: 497422
✅ Our Commitment to Ethical Conduct
At Intime Mortgage Pty Ltd, we are committed to maintaining the highest standards of ethical behavior, regulatory compliance, and responsible lending. Our governance framework ensures we act with integrity and transparency — placing our clients at the center of everything we do.
Our corporate governance practices reflect our obligations under the National Consumer Credit Protection Act (NCCP Act) and the broader Australian regulatory environment.
🏛️ Governance Principles
We operate according to the following core principles:
- Client-First Focus
We provide credit assistance that is suitable, serviceable, and in our clients’ best interests. Our advice is based on comprehensive needs assessments and responsible lending obligations. - Transparency & Integrity
We maintain clear disclosures regarding fees, commissions, conflicts of interest, and third-party relationships, in compliance with regulatory standards. - Accountability
Directors, credit representatives, and staff are responsible for upholding our compliance policies and professional standards. Regular training and policy reviews are part of our operational culture. - Regulatory Compliance
We fully comply with the obligations set by ASIC, the Privacy Act 1988, and all other applicable Australian laws and codes of practice. - Conflict of Interest Management
We have robust measures in place to identify, disclose, and manage actual or perceived conflicts of interest to ensure our clients are not disadvantaged.
🔍 Our Licensing and Accreditation
We are a credit representative licensed under ASIC, with an active Credit Representative Number (497422) and ABN (84 620 582 890). We are accredited with a diverse panel of lenders, including ANZ, NAB, Westpac, Pepper Money, and others.
All our advice and lending solutions are limited to the lender panel we are officially accredited with. This helps ensure compliance, consistency, and client protection.
🔐 Risk & Compliance Oversight
We maintain internal compliance systems to:
- Monitor regulatory changes and obligations
- Track referral arrangements and commission disclosures
- Ensure responsible lending and client suitability assessments
- Manage privacy and data security in line with the Privacy Act 1988
Our compliance framework includes:
- Annual compliance audits
- Complaints handling and dispute resolution procedures
- Documentation controls and recordkeeping
- Ongoing staff and broker training
🤝 Referral & Third-Party Governance
Intime Mortgage Pty Ltd may work with referral partners and diversification providers (e.g., conveyancers or leasing agents). In all such relationships:
- Clients are informed of any referral fees or loyalty bonuses
- Referrers are required to comply with disclosure, consent, and conduct regulations under the National Consumer Credit Protection Regulations
- Referrals are managed in a way that prioritizes the client’s interest and preserves service quality
📣 Dispute Resolution & Ethics
We uphold strong internal dispute resolution procedures, with escalation options to the Australian Financial Complaints Authority (AFCA). We encourage transparency, integrity, and accountability at all levels of our business operations.
📘 Ongoing Governance Improvements
We view corporate governance as an evolving process. As our business grows, we will continue to strengthen:
- Lender panel management
- Technology compliance (data protection and cyber security)
- Staff accreditation and ethics training
- Consumer protection practices
📞 Contact Us
If you’d like more information about our governance policies or regulatory compliance, please contact:
Intime Mortgage Pty Ltd
📧 Email: info@intimemortgage.com.au
📞 Phone: 1300 702 970
🌐 Website: www.intimemortgage.com.au