Credit Guide
Helping Australians Achieve Their Property & Finance Goals.
Thank you for considering Top Soul Finance.
We understand that choosing the right finance can be an important decision. This Credit Guide explains who we are, the services we provide, how we are paid, and your rights as a client.
About Top Soul Finance
Top Soul Finance assists clients with a range of lending solutions including:
- Home Loans
- Investment Loans
- Refinancing
- Construction Loans
- Commercial Finance*
- Asset Finance*
- Debt Consolidation
*Subject to lender availability and lending criteria.
Your Finance Broker
Gemma Welch
Finance Broker
Top Soul Finance
Phone: 0438 285 413
Email: gemma@topsoul.com.au
Website: www.topsoulfinance.com.au
Our Credit Services
We can assist you by:
- Assessing your lending requirements
- Comparing suitable loan products
- Recommending lending solutions based on your circumstances
- Assisting with your loan application
- Supporting you through to settlement
Our Commitment
We are committed to:
- Understanding your objectives
- Providing professional service
- Explaining your finance options clearly
- Acting efficiently throughout the application process
- Maintaining your privacy
Responsible Lending
We are committed to responsible lending. Before recommending a credit product, we will make reasonable enquiries about your financial situation, requirements and objectives to determine whether a loan is suitable for you.
Fees
We will disclose any fees payable before you proceed with any credit assistance.
Commission Disclosure
We may receive commissions from lenders where a loan settles. Full commission details will be disclosed upon request or within the Credit Proposal Disclosure document.
Lender Panel
Top Soul Finance has access to a panel of accredited lenders through Outsource Financial. The lender selected will depend on your individual circumstances and lending requirements.
Complaints
If you have a concern regarding our service, please contact us first.
Top Soul Finance
Phone: 0438 285 413
Email: gemma@topsoul.com.au
If your complaint cannot be resolved, you may refer it to our Internal Dispute Resolution process.
External Dispute Resolution
Australian Financial Complaints Authority
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
Privacy
Your privacy is important to us. We collect personal information to assist with providing credit assistance and loan applications. Please refer to our Privacy Policy for more information.
Credit Representative Details
Gemma Welch (ABN 48 177 634 849) is an Authorised Credit Representative (Credit Representative No. 579838) of Outsource Financial Pty Ltd (Australian Credit Licence No. 384324, ABN 42 131 090 705).
Important Information
This Credit Guide contains general information about our services. Specific recommendations will only be provided after we have assessed your personal circumstances and lending requirements.