Privacy Policy
Last updated: August 2026.
BorrowerFirst (Borrower First Pty Ltd, ABN 84 661 312 045, Australian Credit Licence 544659) is committed to protecting your privacy. This policy explains how we collect, hold, use and disclose personal information when you visit borrowerfirst.com.au, contact us, or use our mortgage broking and personal finance strategy services.
We handle personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles (APPs) and, where applicable, the Privacy (Credit Reporting) Code.
Information we collect
The personal information we collect depends on how you interact with us. It may include:
your name, date of birth and contact details (such as address, email and phone number);
financial information relevant to a loan or finance enquiry (such as income, assets, liabilities, expenses, bank statements and supporting documents);
employment and business details;
property and security details;
government-related identifiers where required for a particular product or service;
credit-related information, including information we obtain from credit reporting bodies and credit providers;
information you provide in web forms, emails, phone calls and meetings; and
website usage information, such as pages visited, device and browser type, IP address and cookies (see Cookies and analytics below).
If you do not provide information we reasonably need, we may not be able to provide our services to you.
How we collect personal information
We collect personal information in several ways, including:
directly from you when you complete a form on our website, call us, email us, meet with us or otherwise ask us to assist you;
from documents you give us or authorise us to obtain;
from third parties involved in your finance enquiry, such as credit reporting bodies, lenders, valuers, employers, accountants, solicitors and referrers; and
automatically when you use our website, including through cookies and similar technologies.
Why we collect and use personal information
We collect, hold, use and disclose personal information for purposes including:
providing mortgage broking, credit assistance and personal finance strategy services;
assessing your enquiry, preparing submissions to lenders and managing your application;
communicating with you about our services;
complying with legal and regulatory obligations, including under the National Consumer Credit Protection Act 2009 (Cth), anti-money laundering laws and tax laws;
maintaining our records and managing our business operations; and
improving our website and services.
We may also use your information to send you marketing about our services where permitted by law. You can opt out at any time (see Marketing below).
Who we disclose personal information to
We may disclose personal information to:
lenders, credit providers and other finance parties involved in assessing or providing a product;
aggregators, licensee groups and other parties in the credit assistance chain;
credit reporting bodies and credit providers, where permitted by law;
professional advisers and service providers who help us operate our business (such as IT, hosting, email, analytics and marketing providers);
government regulators, courts and law enforcement where required or authorised by law; and
any other party you authorise or that is reasonably necessary to provide our services.
We do not sell your personal information.
Credit reporting information
When you apply for credit or ask us to assist with a credit application, we may collect credit-related information about you. This may include information held by credit reporting bodies such as Equifax, Illion or Experian, and information we derive from that data.
We may disclose personal information to credit reporting bodies and credit providers for purposes permitted under the Privacy Act, including to assess your application and manage credit.
You may request access to or correction of credit-related information we hold about you by contacting us. You may also contact the relevant credit reporting body directly to access or correct information they hold.
Overseas disclosure
Some of our service providers (such as website hosting, email or analytics providers) may store or process personal information outside Australia. Where we disclose personal information overseas, we take reasonable steps to ensure the recipient handles it in a way that is consistent with the APPs, unless an exception applies under the Privacy Act.
Cookies and analytics
Our website may use cookies and similar technologies to help it function, remember preferences and understand how visitors use the site. We may use analytics and marketing tools (such as Google Tag Manager and related tags) that collect usage information.
You can control cookies through your browser settings. Disabling cookies may affect how some parts of the website work.
Marketing
We may contact you with information about our services where you have consented or where otherwise permitted by law. You can opt out of marketing communications at any time by using the unsubscribe link in an email or by contacting us.
Security
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. However, no method of transmission or storage is completely secure.
Access, correction and deletion
You may request access to the personal information we hold about you, or ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. Contact us using the details below. We will respond within a reasonable time.
In some circumstances we may not be able to give you access to information (for example, where it would unreasonably affect the privacy of others or we are required by law to refuse access). If we refuse a request, we will explain why.
Complaints
If you have a privacy complaint, please contact us first at kiran@borrowerfirst.com.au or 1300 135 626. We will acknowledge your complaint and try to resolve it promptly.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Changes to this policy
We may update this privacy policy from time to time. The updated version will be published on this page with a revised "Last updated" date. Please check this page periodically.
Contact us
BorrowerFirst (Borrower First Pty Ltd)
Westpoint WOTSO, 17 Patrick St, Blacktown NSW 2148
Email: kiran@borrowerfirst.com.au
Phone: 1300 135 626
ABN: 84 661 312 045 | Australian Credit Licence: 544659