Credit Guide

Last updated: September 2026.

This Credit Guide is provided to help you decide whether to use our services. It explains who we are, what we do, how we are paid and what to do if you have a complaint. Please read it together with our Privacy Policy.

About us

Rannar Loans
Principal broker: Sachin Mehta
Phone: 0479 181 437 · Email: info@rannar.com.au

Rannar Loans provides credit assistance as a credit representative (Credit Representative Number 541742) of [Licensee], Australian Credit Licence 384324, under the National Consumer Credit Protection Act 2009 (Cth). [Licensee] is our aggregator and licensee and is responsible for our conduct in providing credit assistance.

What we do

We help you find, apply for and settle finance from a panel of more than 50 lenders, including major banks, regional banks, mutual banks, credit unions and non-bank lenders. Our services cover home loans, investment loans, refinancing, construction loans, self-employed and low-doc lending, SMSF property loans, commercial property finance, business loans, asset and equipment finance, car loans and personal loans.

We do not lend money ourselves and we are not an agent of any lender. The lenders we submit the most business to over time are listed in the credit proposal disclosure we give you before you apply.

Our obligations to you

Before we recommend a loan we must assess whether it is not unsuitable for you. To do that we will ask about your requirements and objectives, your financial situation and your ability to meet the repayments without substantial hardship, and we will take reasonable steps to verify the information you give us. You may request a copy of our preliminary assessment at any time within seven years of the date it was made; we will provide it free of charge.

As mortgage brokers we are also bound by the Best Interests Duty: when we help you with a home loan we must act in your best interests and, if there is a conflict between your interests and ours or a lender's, we must give priority to yours. In practice this means we compare a genuine range of lenders and products, explain why we have recommended the ones we have, and keep records of that reasoning.

How we are paid

Fees payable by you. We generally do not charge you a fee for arranging consumer credit. If a fee would apply to your circumstances (for example, for some commercial or specialist lending) we will tell you the amount, or how it is calculated, and obtain your agreement in writing before any work that attracts a fee begins.

Commission from lenders. If your loan settles, the lender usually pays commission to our licensee, who passes an agreed share on to us. Commission typically has two parts: an upfront commission calculated as a percentage of the loan amount drawn down (net of any funds held in an offset account), and a trail commission calculated as a percentage of the outstanding balance and paid periodically while the loan remains in place. Rates vary between lenders and products. The commission we expect to receive is set out in dollar terms in your credit proposal disclosure. Commission may be clawed back by the lender if a loan is repaid or refinanced within its early years; we do not pass claw-backs on to you.

Other benefits. From time to time lenders provide training, sponsorship of industry events or non-monetary benefits within limits set by law and industry codes. We keep a register of these benefits which you may inspect on request.

Referral fees. If you were introduced to us by a referral partner (such as a real estate agent, accountant or financial planner), we may pay them a referral fee or commission. The referrer's name and the amount payable will be disclosed to you in your credit proposal disclosure. If we refer you to a third party, we may receive a fee from them, which we will disclose to you.

You may ask us for a reasonable estimate of the commissions and fees payable in relation to your loan, and how they are calculated, at any time.

Ownership and relationships

Rannar Loans is independently owned. Neither Rannar Loans nor its principal owns shares in, or is owned by, any lender. Our licensee [Licensee] may have commercial arrangements with lenders on our panel; details are available from [Licensee] on request.

If you have a complaint

We want to know if something has gone wrong. Please contact Sachin Mehta on 0479 181 437 or info@rannar.com.au, or write to us at the address above. We will acknowledge your complaint promptly and aim to resolve it within 30 days. Our licensee's internal dispute-resolution team can also be contacted at [Licensee complaints contact].

If you are not satisfied with the outcome, or your complaint has not been resolved within 30 days, you can lodge it with the Australian Financial Complaints Authority (AFCA). AFCA is free and independent and its decisions are binding on us.

AFCA – phone 1800 931 678 · email info@afca.org.au · afca.org.au · GPO Box 3, Melbourne VIC 3001

Your privacy

Our Privacy Policy explains how we collect, use and disclose your personal and credit information, including to lenders, our licensee and credit reporting bodies, and how you can access and correct it.

Questions

If anything in this guide is unclear, please ask. We are happy to explain how we work before you decide to proceed.