Credit Guide

Who we are

TAG Financial Group is a trading name of Transact Holdings 1 Pty. Ltd. (ABN 86 675 200 325), holder of Australian Credit Licence 405647. We provide credit assistance: we help you compare, choose and apply for loans from our panel of lenders. We are not a lender.

Best Interests Duty

When we give you credit assistance for a home loan, we are legally required to act in your best interests — not the lender’s, and not ours. If a loan isn’t right for you, we’re obliged to say so. This duty applies to every recommendation we make.

How we’re paid

For home loans, our service costs you nothing. The lender pays us a commission when your loan settles — typically an upfront commission and a smaller ongoing (trail) commission. We disclose the commission we expect to receive before you apply. Commission rates are broadly similar across our lender panel, and our Best Interests Duty means our recommendation cannot be driven by what a lender pays us. For some commercial and asset finance transactions a fee may apply — if so, we disclose it in writing before you engage us.

Our lender panel

We compare loans from a panel of 25+ lenders including major banks, regional banks, non-bank lenders and credit unions. A list of the lenders we deal with, and the six we use most, is available on request.

If something goes wrong

If you have a concern, tell us first — our internal dispute resolution process is free and fast. If we can’t resolve it, you can take your complaint to the Australian Financial Complaints Authority (AFCA), the free independent ombudsman. Full details are on our complaints page.

This page is a summary. You’ll receive our full Credit Guide when we start providing credit assistance to you, and you can request a copy at any time on (08) 9367 1227 or admin@taggroup.com.au.