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Terms & Conditions

Application of these terms

1. The following terms (“Terms”) govern use of any website maintained by Mortgageport (“the Site”). Each user of the Site understands and agrees that by using the site the user (on his or her own behalf and on behalf of any person or entity for whom the user of the Site gains access the Site) signals his or her agreement to abide by these Terms whilst using the Site and in all subsequent dealings with information obtained as a consequence of accessing the Site. Mortgageport reserves the right to change the Terms at any time, and any change will take effect immediately upon the changed Terms becoming accessible on the Site. Users should review this page of the Site each time the Site is accessed.

2. If a user of the Site violates these Terms, Mortgageport may without notice and without giving reasons restrict or terminate use of the Site, or bar the user of the Site from future use of the Site, and/or take appropriate legal action.

3. In these terms the expression “use of the Site” means gaining or attempting to gain access (directly or indirectly and whether or not such access is immediate) by any electronic or other medium to information that becomes accessible (whether displayed or not) by reason of or consequent upon the establishment a link to the Site and includes utilising the Site to communicate with Mortgageport or any other person or to access any other site or device. A reference to “use of” other sites and a “user” of the Site or other sites has a corresponding meaning.

Important disclaimers

4. Mortgageport does not hold itself or any agent or employee out as having expertise, experience or qualifications relevant to decisions concerning the suitability of particular products for use in the particular applications, conditions or circumstances users of the Site may encounter. The Site is intended to provide abridged and general information which might be the foundation for further investigation and consideration. The Site is not intended to be used as a basis for assessment or determination of the suitability of products in any specific case. Mortgageport makes no recommendations, representations or warranties of any kind, express or implied, as the accuracy or completeness of information, content, specifications, ideas, opinions or product information obtained through use of the Site or in any material accessible through use of the Site. Mortgageport gives no assurance as to the suitability of any product for the conditions and in the application that a user of the Site may confront and to the fullest extent permissible by law excludes all liability to users of the Site arising from use of the Site or action taken as a consequence of use of the Site.

5. Mortgageport strongly advises all users of the Site and all prospective users of products referred to on the Site to engage and consult suitably qualified and experienced technical advisers to assist them in their selection of suitable products. This is essential where product failure may result in any risk to personal safety, property damage or economic loss or damage. Mortgageport is not liable for any loss or damages of any kind, sustained by any person arising from the use of the Site.

6. Mortgageport receives rate and product information from a third party. This content is accessed from our home page. The information on rates and products supplied is not under the direct control of Mortgageport, therefore Mortgageport is not responsible for the accuracy of the contents. Information provided on products on this site does not constitute financial, taxation or other professional advice and should not be relied upon as such. Mortgageport recommends that, before you make any financial decision, you seek professional advice from a suitably qualified adviser.

Release of Mortgageport from liability to users of the Site

7. By using the Site users of the site agree and acknowledge (on their own behalf and on behalf of any person or entity for whom they use the Site), that they shall have no rights to make any claim against Mortgageport for any damages or losses, whatsoever, resulting from use of the Site or any link to another site. If a problem with the Site, use of the Site, information contained in the Site or a link from the Site is encountered, please notify Mortgageport. Mortgageport will investigate the matter and take any actions it deems appropriate.

Indemnity of Mortgageport from liability to third parties

8. By use of the Site users of the site agree and acknowledge (on their own behalf and on behalf of any person or entity for whom they use the Site), to indemnify and hold Mortgageport and its subsidiaries, affiliates, officers, agents and employees harmless from any loss, liability, claim or demand that may be made by any third party due to or arising out of the use of the Site and for any costs expenses or expenditure incurred by Mortgageport in resisting such a claim or seeking indemnity from the user of the Site (or a principal represented by a user of the Site) in relation to it, including the reasonable cost of Mortgageport’s employees, agents and lawyers.

Search results and links

9. The Site may incorporate or automatically produce search results that reference or link to third party sites throughout the World Wide Web or other information obtained from persons or organisations other than Mortgageport. Mortgageport has no control over these sites or the content within them or the processes employed by the persons or organisations from whom information has originated. Mortgageport does not guarantee, represent or warrant that content of this kind (whether contained in the Site or in other sites) is technically reliable, accurate, legal and/or inoffensive. Mortgageport does not endorse the content of any, nor does Mortgageport warrant that content of a third party site will not contain viruses or otherwise impact the computer of a user of the Site.

Permitted use

10. By use of the Site users of the site agree and acknowledge (on their own behalf and on behalf of any person or entity for whom they use the Site), that they are only authorised to use the Site, visit, view and to retain a copy of pages of this Site for their own personal use, and that they must not duplicate, download, publish, modify or otherwise distribute the material on this Site for any purpose other than for personal use unless otherwise specifically authorised in writing by Mortgageport to do so.

Unauthorised use of the Site

11. Mortgageport expressly refuses to permit the Site to be used for purposes contrary to commercial and legal interests of Mortgageport or for the gathering of dissemination of information contrary to law. Illegal and/or unauthorised uses of the Site and the unauthorised reproduction of information contained in the Site or linking of the Site to any other site are not permitted. Appropriate legal action, including without limitation civil, criminal and injunctive redress may be taken without notice.

Termination of use of the Site

12. In Mortgageport’s sole and unfettered discretion and without prior notice and without disclosing its reasons Mortgageport may restrict or terminate the access of a user of the Site to the Site or to any part of the Site and may shut down, reconfigure or alter the Site, any part of it and any material accessible through use of the Site. In addition or in the alternative Mortgageport may take any legal or practical course available to it and or exercise any remedy available to it and may destroy information or remove any material from any source if Mortgageport in its sole and unfettered discretion believes that the material may be found to violate or be inconsistent with these Terms or the rights of Mortgageport or anyone else or that the material is offensive, contrary to good taste, intemperate, contrary to the commercial or legal interests of Mortgageport, in breach any law or otherwise inappropriate. Users of the Site agree that monetary damages may not provide a sufficient remedy to Mortgageport for violations of these terms and conditions and consent to injunctive or other equitable relief for such violations.

13. If the ability of a user of the Site to use the Site or any part of the Site or any material accessible through use of the Site is terminated, interrupted, suspended, limited or confined, the user of the Site has no entitlement to demand, require the reinstatement or restoration of an entitlement to use or access the Site or any part of the Site or any material accessible through use of the Site or obtain any recompense, damages or other payment from Mortgageport.

Use of information

14. Mortgageport may without prior notice and without disclosing its actions or reasons release information about a user of the Site if required by law or subpoena, or if Mortgageport considers that the release of information is desirable, convenient or appropriate for the purpose of addressing, detecting or remedying any breach of these Terms or unlawful or harmful activity. Mortgageport will not in any circumstances, as a consequence of any such release of information, be required to provide any recompense or payment to the a user of the Site or any other person.

Intellectual Property

15. Copyright in the images available for viewing in the Site and all material presented by Mortgageport is vested in Mortgageport or other publishers. Mortgageport does not authorise duplication of any of the material contained on the Site for any purpose other than personal use.

16. The content of the Site and software on the Site is the property of Mortgageport and/or its suppliers and is protected by Australian and international laws for the protection of trademarks, designs, patents, copyright and trade secrets (“intellectual property”) and by the common law regardless of whether or not particular material is identified as being the subject of intellectual property rights. Mortgageport may post notice of the existence of intellectual property rights and acknowledgments and credits concerning the existence of such rights on parts of the Site, but its failure to do so does not indicate that such rights do not exist or are waived. Any such notice acknowledgment or credit must not be removed from the Site and must be incorporated in any material extracted from the site.

16.Home Loan Interest Rates

17. Interest rates may vary from 3.85% to 6.69% depending on the product you select and other factors such as loan to value ratio, loan size and loan purpose.

Don’t just take our word for it
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Frances, Barton, ACT
“Dear Col, Well the house has exchanged!! I would like to thank you for all your dedication and persistence in order for this to happen. I know you said that you were only doing your job but your efforts were above and beyond the normal call of duty. Thank you”
Kim & Paul, Dee Why, NSW
“Mortgageport was originally recommended to us by our financial adviser. We are very busy people and don’t have the time to dedicate to finding the best home loan for our needs. We were glad that Mortgageport stepped in to help us. We found that they were pleasant and thorough and really knew what they were doing, this gave us a lot of confidence. We would recommend them to anyone looking for a home loan.”
Jessica, Seven Hills, NSW
“Thank you for the excellent service your company provided us with our recent refinancing of our loan. The speed you executed all correspondence with us, either with fax, phone or post was outstanding. It was so good to just sit back and feel everything just fall into place. All your staff were courteous, friendly and understanding of our needs. In particular Gloria who looked after us from start to end. Please thank all your staff involved with our financial needs.”
Marisa, Isaacs, ACT
“We are a boutique accounting practice in Canberra with a focus on property investors. Our clients are delighted with the incredible research and effort that Mortgageport make, the feedback is always so positive. Of course with this type of feedback, without reservation, we recommend Mortgageport to anyone that needs a loan. I personally always use Mortgageport for my own personal financing needs; they are knowledgeable and always have my best interests at heart. Every team member at Mortgageport goes the extra mile, I am not just a number but a client that is well looked after and my concerns always matter.”
Susie, Sydney, NSW
“Dear Glen, I would just like to express how impressed I have been with Beth, she has been a great support and her assistance has been invaluable, I could not have done without her advice; being rather a novice at all this it has been so good to have her advice and backup which she does in both a professional and empathetic manner.“
Linda, Chatswood, NSW
“Mortgageport did a brilliant job! I never ceased to be amazed at your patience and perseverance, not to mention efficiency, while organising the refinancing of our existing loans and financing the new property at Wobby Beach. We are very pleased with the way you set up the loans with St George and have found them extremely efficient and helpful.”
Fay, Boonah, QLD
“We were initially referred to Michael McKelvie at Mortgageport in early 2005 when we wanted to begin to put together a portfolio in Queensland. Our dealings with Michael went so smoothly, that we have continued to deal with him through multiple transactions to the present day. In our experience Mortgageport has a great team, they are professional and timely and have been able to provide exactly the right product for our needs. We have even utilised Mortgageport for personal real estate purchases as well. We continue to use Michael McKelvie and Mortgageport and will continue to do so, and have recommended Mortgageport to others and have absolutely no hesitation in doing so.”
Michael, Sydney, NSW
“I had an investment loan with a major lender for a holiday rental property in Culburra Beach. Unfortunately, I was not given a very good deal and I was also disappointed with the level of customer service. After investigating my refinancing options, I found that Mortgageport offered the tailored approach I was after. I wanted the process to be simple, streamlined and above all personalised. Glen Spratt, Mortgageport Managing Director, took the hassle out of the process by dealing directly with my accountant and the bank, briefing me when necessary. Glen secured a competitive rate and managed my expectations about dealing with the Bank of South Australia, a lender I hadn’t dealt with previously. I have been extremely satisfied with the outcome and have already recommended Mortgageport to five other colleagues.”
Loli, West Hoxton, NSW
“I am overwhelmed with how efficient you and your office are. I was advised by a friend that these things take weeks to put together. Well wait till I tell her it only took 24 hours. Once again, thank you for all your help.”
Jane, Rosebery, NSW
“Dear Michael, We remember you well from a few years back. We know we are in capable hands and all our contacts with Mortgageport consultants have been highly professional and positive.”
Chris, Canberra, ACT
“I have dealt with Mortgageport on two occasions now (specifically with Michael McKelvie) and have found not only their service to be of the highest professional standard, but they are also such a lovely friendly team to deal with. In a country where I feel the service industry has to a large degree fallen apart, the team at Mortgageport have always gone above and beyond the call of duty to address and guide me and my young family with time, patience and a really easy-going approach with all our mortgage related endeavors. I am not an investment banker or necessarily fabulous with facts and figures but still believe in equity and sustainable growth. I look forward to working with Mortgageport to develop a property portfolio now and well into the future.”
Tim, Maroubra, NSW
“I was introduced to Mortgageport by my father (one of Mortgageport’s first customers), back in late 2002 when I bought my first home. Since then, I have transacted four additional mortgages using their services. Each time I have found the advice to be professional, accurate and insightful as the staff draw from their considerable experience base. I am repeatedly delighted by their friendly personable approach, and the efficiency and speed of the way they do business.”
Kim & Paul, Dee Why, NSW
“Mortgageport was originally recommended to us by our financial adviser. We are very busy people and don’t have the time to dedicate to finding the best home loan for our needs. We were glad that Mortgageport stepped in to help us. We found that they were pleasant and thorough and really knew what they were doing, this gave us a lot of confidence. We would recommend them to anyone looking for a home loan.”
Liz, Pyrmont, NSW
Recently I had my loan re-financed through your organisation. I had the pleasure of being looked after by Chris Auton. Chris was absolutely fantastic in the way he explained everything in easy to understand terms, kept me up to date with regular progress reports and gave clear advice on exactly what was needed. Chris’ professionalism and attention to detail were outstanding. It is not often you get such great customer service, hence why I decided to give this feedback.
Robbie and Sallie Newson, Southport Qld
Michelle is the ultimate professional! From the first phone call right through to well past the actual settlement of the property we could not be more impressed with Michelle. We found Michelle to be friendly, extremely approachable and most of all professional. Michelle was more than happy to answer any question we had and her willingness to fit in with our busy work/life schedules was amazing and very much appreciated. The ease at which Michelle obtained approval for our loan and the way in which she conveyed information either in person, by phone, email or text was exceptional. Michelle definitely takes pride in her work and that is 100% evident in the way she conducts herself and business matters she completes. Michelle is a huge asset to Morgageport but most of all she is a true godsend for her clients. We are thrilled to recommend Michelle to the highest degree.
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