Website Terms & Conditions

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UrbanCrest Mortgage Solutions provides mortgage broking and credit assistance services in accordance with the authorisations and regulatory requirements applicable to our business.

Information about our credit representative status, authorising licensee, credit services and other required disclosures is provided through our applicable Credit Guide and disclosure information.

Nothing on this website changes or replaces the information contained in those documents or any other documents provided to you as part of our credit assistance process.

The information on this website is provided for general information and educational purposes.

It is intended to help you understand general concepts relating to home loans, property finance, refinancing, investment lending and related topics.

Information provided on this website does not take into account your individual objectives, financial situation or needs and should not be relied upon as personalised financial, credit, legal or taxation advice.

 Before making a financial decision, you should consider your individual circumstances and obtain appropriate professional advice where necessary.

Information on this website is not, by itself, an offer of credit or a guarantee that credit assistance will be provided.

Where you request credit assistance from UrbanCrest, we will consider your circumstances and requirements in accordance with our applicable obligations and processes.

Any credit assistance we provide is subject to the relevant lender's lending criteria, policies, requirements and approval processes.

Submitting an enquiry or application does not guarantee that a loan will be approved.

Loan amounts, interest rates, fees, charges, loan features, eligibility criteria and other lending conditions may vary between lenders and may change over time.

 UrbanCrest does not guarantee:

• that a loan application will be approved; 
• that you will qualify for a particular loan product; 
• that a particular interest rate or loan feature will be available to you; 
• that a particular lender will accept your application; 
• the amount you may be able to borrow; or 
• the time required for a lender to assess or approve an application. 

Final lending decisions are made by the relevant lender and are subject to that lender's applicable policies, criteria and assessment.

 This website may provide access to mortgage, property and financial calculators.

Calculators are provided for general information and illustrative purposes only.

Results are estimates based on the information and assumptions entered and may not reflect your actual borrowing capacity, repayments, interest payable, fees, government charges, taxes or other costs.

Calculator results do not constitute:

• credit approval; 
• an offer of credit; 
• a loan approval; 
• a recommendation of a particular loan product; or 
• personalised credit advice. 

Actual outcomes may differ depending on your individual circumstances, lender requirements, applicable interest rates, fees, charges, government requirements and other factors.

You should not rely solely on calculator results when making a financial or property decision.

 We take reasonable care in preparing and maintaining the information published on this website.

However, information may change from time to time, including:

• interest rates; 
• lender policies and lending criteria; 
• fees and charges; 
• government programs and concessions; 
• taxation and property-related requirements; 
• calculator assumptions; and 
• other financial or regulatory information. 

We do not guarantee that all information on the website will always be complete, accurate or current.

Where appropriate, you should confirm current information with UrbanCrest, the relevant lender or the relevant government authority before making a decision.

 UrbanCrest may provide information about lenders, lending products, loan features and lending solutions available through our business or relevant aggregator arrangements.

The inclusion of a lender, lender name, logo or product information on this website does not mean that:

• every product offered by that lender is available through UrbanCrest; 
• every applicant will qualify for that lender's products; 
• a particular lender is suitable for your circumstances; or 
• a particular lender will approve your application. 

Lender availability and product information may change without notice.

Third-party lender names, logos and trademarks remain the property of their respective owners.

This website may contain links to websites, calculators, resources or services operated by third parties.

These links may include lenders, government authorities, industry organisations, service providers or other external websites.

Third-party websites are not controlled by UrbanCrest.

We do not necessarily endorse or approve the content, products, services, privacy practices, security or availability of third-party websites.

You should review the terms, privacy policies and other applicable information of any third-party website before using it or providing personal information.

You may use forms or other features on this website to contact UrbanCrest or request further information.

You are responsible for ensuring that information you provide is accurate and not misleading.

Submitting an enquiry does not create a client relationship, credit assistance engagement or obligation for UrbanCrest to provide credit assistance.

We may contact you in response to an enquiry or request you have submitted.

Personal information submitted through this website will be handled in accordance with our Privacy Policy.

 Please do not submit sensitive personal, financial or identity documents through a general website enquiry form unless UrbanCrest has specifically requested that you do so through an appropriate and secure process.

Where documents are required as part of a credit application or assessment, we will provide appropriate instructions for submitting those documents.

We aim to keep the website available and functioning properly. However, we do not guarantee that the website will always be available, uninterrupted or error-free.

Access may occasionally be affected by maintenance, technical issues, third-party services, telecommunications networks or other circumstances outside our reasonable control.

While reasonable measures may be taken to protect the website, no internet transmission or electronic storage system can be guaranteed to be completely secure.

You are responsible for taking reasonable precautions when accessing the website and for maintaining the security of your own devices and systems.

Unless otherwise stated, the content of this website, including text, graphics, layouts, branding, design elements, images and other materials, is owned by or licensed to UrbanCrest Mortgage Solutions or the relevant rights holder.

You may access and use the website for your personal, non-commercial purposes.

You must not reproduce, modify, distribute, publish, transmit, sell, commercially exploit or otherwise use website content without appropriate permission, except where permitted by law.

UrbanCrest, UrbanCrest Mortgage Solutions and associated branding are used by or on behalf of the relevant business entity.

Third-party trademarks, lender names, logos and other intellectual property remain the property of their respective owners.

 You must not use this website:

• for any unlawful purpose; 
• to submit false or misleading information; 
• to attempt to gain unauthorised access to the website or its systems; 
• to interfere with the operation or security of the website; 
• to introduce malicious software, code or other harmful material; 
• to copy or systematically extract website content without permission; or 
• in any manner that may damage, disrupt or impair the website or our services.

 Your privacy is important to us.

Our Privacy Policy explains how UrbanCrest collects, uses, stores and discloses personal information and how you can exercise your privacy rights.

By using this website or submitting information through our forms, you should review our Privacy Policy to understand how your information may be handled.

Please refer to our privacy policy page.

 We take complaints seriously and encourage you to contact us first if you have a concern about our services or your experience with UrbanCrest.

We will handle complaints in accordance with our applicable complaints handling process.

If your complaint relates to credit, finance or loan services and remains unresolved, you may be able to refer the matter to the Australian Financial Complaints Authority (AFCA), subject to AFCA's eligibility requirements, jurisdiction and applicable rules.

AFCA can consider eligible complaints relating to credit, finance and loans, including certain complaints concerning privacy and confidentiality.

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To the maximum extent permitted by law, UrbanCrest does not accept responsibility for loss or damage arising from reliance on general information provided through this website, including information contained in calculators, third-party websites or other external resources.

This includes information that may be incomplete, outdated or affected by changes in lender policies, interest rates, government requirements or other circumstances.

Nothing in these Terms & Conditions excludes, restricts or modifies any right, remedy, guarantee or obligation that cannot lawfully be excluded, restricted or modified under applicable Australian law. sure to showcase a premium service.

Information on this website should not be treated as a substitute for considering your individual circumstances.

Property and finance decisions can involve significant financial commitments.

You should consider your own circumstances and, where appropriate, seek professional advice from suitably qualified legal, taxation, accounting or other professional advisers before making a decision.

We may change, update, suspend or remove content, features or services on this website from time to time.

Information may be updated without prior notice where appropriate.

We may also update these Terms & Conditions from time to time.

The current version will be published on this page together with the relevant Last Updated date.

These Terms & Conditions are governed by the laws of New South Wales, Australia.

You agree that, subject to any applicable mandatory rights or dispute resolution processes, the courts and tribunals of New South Wales have jurisdiction in relation to matters arising from your use of this website.

If you have any questions about these Website Terms & Conditions, please contact us.

UrbanCrest Mortgage Solutions
Marsden Park, Sydney, NSW 2765
Phone: 0431210322
Email: neha.narang@urbancrest.com.au
Website: https://urbancrest.com.au/

Last updated: 11 October 2026