Terms and Conditions

Kept deliberately short you shouldn't need a law degree to know what you're agreeing to by using a website.

Document: FIN-TOU-2026
Effective: September 2026
Issued by: Fire Financial Services Pty Ltd

Short version: this site is general information, calculators are estimates, and nothing here guarantees loan approval.

Using this website

What this site is for, and what it isn't.

Everything on this site calculators, guides and Fire Stories included is general in nature. It doesn't account for your personal circumstances and isn't financial or credit advice.

Nothing on this site is a substitute for a conversation with a broker.

Calculators are estimates

Every calculator on this site produces an estimate based on the figures you enter and standard lending assumptions. Always confirm your real numbers with a broker before acting on them actual serviceability, rates and fees depend on a full lender assessment.

Intellectual property

The content, design and branding on this site belong to Fire Financial Services Pty Ltd. You're welcome to link to it, but not to copy or republish it without permission.

Liability & disclaimers

Standard disclaimers that keep expectations realistic on both sides.

No guarantees: Lending is always subject to lender approval, valuation and credit assessment we can't guarantee a specific rate, approval, or loan amount.
Acceptable use: Don't use this site unlawfully, attempt unauthorised access, or interfere with how it works for other visitors.

Third-party links

We may link to lender or government websites for convenience. We don't control their content and aren't responsible for it.

Governing law & changes

These terms are governed by the laws of Australia, and any dispute is subject to the jurisdiction of Australian courts. We may update these terms as our services or the law change the "effective" date at the top of this page always reflects the current version.