Last updated: 24 September 2026
ReviewYourMortgage.com.au is owned and operated by EMBR Group Pty Ltd ABN 27 147 278 153 ("EMBR", "Review Your Mortgage", "we", "us" or "our").
These Terms govern your use of ReviewYourMortgage.com.au and any enquiry you submit through the Website.
By using the Website or submitting an enquiry, you agree to these Terms and acknowledge our Privacy Policy.
The Website is intended for Australian residents aged 18 years or over.
By submitting an enquiry, you confirm that you meet this requirement.
Review Your Mortgage provides a free enquiry, lead-generation and referral service.
Depending on your enquiry and the information you provide, EMBR may refer your details to a relevant third-party provider, including:
Submitting an enquiry does not constitute a home loan application.
Review Your Mortgage does not guarantee that your enquiry will be accepted or referred.
Review Your Mortgage does not itself provide a personalised home loan comparison through the Website.
Unless expressly stated otherwise, EMBR does not through the Website:
Where a personalised mortgage comparison, recommendation or other regulated credit assistance is provided following your enquiry, it will be provided by an appropriately licensed or authorised person.
EMBR may process the information you provide to determine whether your enquiry meets referral criteria and identify a provider that may be able to assist.
The person who initially contacts you may not be the mortgage broker or credit professional who ultimately provides any credit assistance.
The initial contact may involve:
Where your enquiry involves a home loan comparison, recommendation or application, any regulated credit assistance will be provided by an appropriately licensed or authorised provider.
A person who merely arranges an appointment should not be understood as providing you with a mortgage recommendation.
Referral activity can become regulated credit activity where it goes beyond a limited referral and involves suggesting or assisting with a particular credit contract.
Referral criteria may include:
Meeting our referral criteria does not mean that:
Where your enquiry progresses to a mortgage broker or other credit provider, that provider is responsible for any:
The lenders and products considered will depend on that provider's:
A provider's panel may not include every lender or home loan available in Australia.
References on the Website to a number of lenders, or to lender logos, do not mean that every lender displayed will be considered in every consumer's circumstances.
In some circumstances, information you provide may indicate that a service other than, or in addition to, mortgage broking may be relevant to your stated objectives.
This may include services relating to:
Where appropriate, your enquiry may be referred to a provider offering such services.
Such a provider may subsequently introduce you to an appropriately licensed or authorised mortgage broker, credit provider or other professional where regulated credit assistance is required.
Nothing in these Terms authorises an unlicensed provider to give regulated credit assistance.
Submitting an enquiry does not guarantee:
Actual outcomes depend on your circumstances, lender criteria, fees, interest rates, valuations, product availability and other factors.
The Website may refer to cashback offers or other lender promotions.
These offers are provided by participating lenders and may:
Where a specific lender promotion is advertised, the applicable qualifications and lender terms should be read together with that promotion.
Information on the Website is general in nature.
We take reasonable steps to keep Website information accurate and current, but lender products, rates, promotions and eligibility criteria may change.
Website information should not be understood as confirmation that a particular lender, loan, interest rate, saving or strategy is available or suitable for you.
Unless expressly stated otherwise, EMBR does not provide personalised financial, legal or investment advice through the Website.
Information published on the Website does not take into account your complete objectives, financial situation or needs.
Where another provider gives you advice, credit assistance or a recommendation, that provider is responsible for that service and for complying with any licensing and disclosure obligations that apply to it.
By submitting an enquiry, you request contact in relation to that enquiry.
You consent to being contacted by EMBR and/or a provider to whom your enquiry has been referred by:
The person who first contacts you may be a customer-service representative or appointment setter rather than the mortgage broker or professional who may ultimately assist you.
EMBR may receive a fixed or predetermined referral fee from a participating provider for an eligible enquiry.
For mortgage referral arrangements, the referral amount is not determined by:
Mortgage enquiries are not auctioned between providers on a highest-bid basis according to the characteristics or financial circumstances of the individual consumer.
Different providers may have different predetermined commercial arrangements with EMBR.
Where a referral relates to a non-credit service, such as property or debt-reduction strategy services, different commercial arrangements may apply.
You are not charged by EMBR for submitting an enquiry through Review Your Mortgage.
Third-party providers operate separately from EMBR.
They are responsible for their own:
Nothing in these Terms excludes EMBR's responsibility for its own advertising, referral activities, privacy obligations or conduct.
Contact relating directly to an enquiry you submitted is separate from future marketing communications.
Where you have consented, or where otherwise permitted by law, EMBR may send marketing communications about EMBR or relevant third-party products and services.
You may opt out at any time using the unsubscribe mechanism provided or by contacting:
We handle personal information in accordance with our Privacy Policy.
The Privacy Policy explains how information may be collected, used and disclosed, including disclosure to providers other than mortgage brokers where relevant to your enquiry.
The Website may use cookies, pixels, analytics and similar technologies for:
All Website content, including text, images, graphics, branding, design, trademarks and software, is owned by or licensed to EMBR unless otherwise stated.
You may use the Website for personal, non-commercial purposes.
You must not copy, reproduce, modify, distribute or commercially exploit Website content without our prior written consent except where permitted by law.
Third-party trademarks remain the property of their respective owners.
We take reasonable steps to keep the Website available, accurate and secure.
However, we do not guarantee that the Website will always be:
We may suspend or restrict Website access for maintenance, security, technical or operational reasons.
You are responsible for maintaining appropriate security on your own devices and systems.
Nothing in this section limits obligations that cannot lawfully be excluded.
To the extent permitted by law, EMBR is not responsible for loss arising solely from:
Nothing in these Terms excludes, restricts or modifies rights, guarantees or remedies that cannot lawfully be excluded.
You must not use the Website:
We may update these Terms from time to time to reflect changes to our services, business practices, technology or legal obligations.
The current version will be published on the Website with its updated date.
If any provision of these Terms is found to be invalid or unenforceable, it will be severed to the extent necessary and the remaining provisions will continue to apply.
These Terms are governed by the laws of Victoria, Australia.
You submit to the non-exclusive jurisdiction of the courts of Victoria and courts entitled to hear appeals from those courts.
For questions about these Terms:
EMBR Group Pty Ltd
ABN 27 147 278 153
Email: [email protected]
Marketing opt-outs:
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