LN Mortgages Pty Ltd ABN 22 694 945 910  (“we”, “us”, or “our”) is committed to protecting your privacy and ensuring that your personal and credit-related information is handled in a secure and responsible manner. This Privacy Policy explains how we collect, use, disclose, and protect your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

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1. The Types of Information We Collect

In order to provide credit assistance and mortgage broking services, we may collect the following types of information:

• Identity Information: Name, date of birth, gender, marital status, and government identifiers (such as driver’s license or passport numbers).

• Contact Information: Address, email address, and phone numbers.

• Financial Information: Income, expenses, assets, liabilities, credit card statements, and employment history.

• Credit-Related Information: Credit history, credit scores, and information regarding any defaults or bankruptcies.

• Sensitive Information: In limited cases, we may collect health information if it is relevant to your capacity to meet financial obligations (e.g., for hardship applications or insurance purposes).
   

2. How We Collect Your Information

We typically collect information directly from you through:

• Initial consultations and fact-finding interviews.

• Loan application forms and supporting documentation.

• Our website, online portals, or email communications.

We may also collect information from third parties, such as:

• Credit reporting bodies.

• Lenders, insurers, and financial institutions.

• Employers (to verify income).

• Real estate agents, solicitors, or accountants involved in your transaction.
   

3. Why We Collect Your Information

We collect, hold, and use your information for the following purposes:

• To verify your identity.

• To assess your financial position and requirements.

• To provide credit assistance and help you apply for finance.

• To manage our relationship with you throughout the loan process.

• To comply with legal and regulatory obligations, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

• To keep you informed about relevant financial products or services (Direct Marketing), unless you opt out.
   

4. Who We Disclose Your Information To

To provide our services, we may disclose your information to:

• Lenders and Financial Institutions: To submit and process your loan applications.

• Aggregators: Our partner aggregators who provide the software and compliance platforms we use.

• Credit Reporting Bodies: To obtain your credit report.

• Professional Advisers: Including your solicitor, conveyancer, or accountant, where relevant to your application.

• Government Bodies: As required by law (e.g., the Australian Taxation Office).
   

5. Storage and Security

We take the security of your information seriously. Your data is stored in secure electronic databases. We employ firewalls, data encryption, and password protection to prevent unauthorised access, modification, or disclosure. When your information is no longer needed, we take steps to de-identify or securely destroy it.
 

6. Access and Correction

You have the right to request access to the personal information we hold about you. You may also ask us to correct information if you believe it is inaccurate, out of date, or incomplete. We will respond to your request within a reasonable timeframe.
 

7. Direct Marketing

From time to time, we may use your information to provide you with updates on interest rates, new loan products, or financial news. You may opt out of receiving these communications at any time by clicking "unsubscribe" in our emails or contacting us directly.
 

8. Complaints

If you have a concern about how we have handled your privacy, please contact us at: howard@lnmortgages.com.au 

We will investigate your complaint and provide a response. If you are not satisfied with our resolution, you may refer the matter to the Australian Financial Complaints Authority (AFCA).

• Website: www.afca.org.au

• Email: info@afca.org.au

• Telephone: 1800 931 678 (free call)

• In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001​
   

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in the law or our business practices. The latest version will always be available on our website (Last updated April 2026).