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Privet

Privet is an education and information resource. We are not a lender, broker or adviser. If you'd like to explore funding, we can pass your enquiry to finance providers who may be able to assist. How Privet works

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Questions and answers

About Privet

Is Privet a lender or a broker?
No. Privet is an education and information resource. It does not lend money, arrange credit, give advice or decide whether anyone can borrow. If you choose to send an enquiry, Privet passes it, with your consent, to a finance provider who may contact you and makes its own decisions.
How does Privet make money?
Privet may receive a referral fee from a finance provider when it passes on an enquiry you have consented to share. You are not charged. Referral arrangements never change what we publish, and we explain this in full on the page about how Privet is funded.
Does Privet rank or rate lenders?
No. Privet does not rank, rate, review or endorse lenders, brokers or products, and it does not publish lender interest rates. The tools use government figures, which are sourced and dated, and the numbers you enter from your own quotes and offers.
Is anything on Privet financial advice?
No. Everything on Privet is general information that does not take account of your objectives, financial situation or needs. Before making a decision, consider whether the information fits your circumstances and get advice from a licensed professional, such as a lawyer, accountant or licensed credit adviser.

Figures and tools

Where do the figures on Privet come from?
Every rate, threshold, date and legal rule comes from an Australian government website, and each one shows its source, the date it was retrieved and the date it took effect. Figures we have not yet verified against the official page are left out rather than estimated.
Why doesn't Privet show lender interest rates?
Government bodies do not publish the rates or fees private lenders charge, so Privet has no verifiable source for them. Instead, the cost estimator lets you enter the terms from offers you have received, and it shows the Reserve Bank cash rate only as context.
Why is my state's stamp duty not estimated?
Privet only estimates duty from a schedule it has checked against the state's official page. Where that check is still pending, the tool links to the revenue office's own calculator instead. Concessions, surcharges and exemptions are not applied, so the official calculator is the place to confirm any figure.
Are calculator results a quote?
No. Every result is an estimate only and is not a quote, offer or advice. Results depend on your inputs and on simplifying assumptions, which each tool lists. A provider's actual terms depend on its own assessment, valuation and credit policy, and may differ substantially from any estimate.
Where is my workspace data stored?
Your workspace, saved offers, checklist ticks and learning progress are stored only in your browser. Privet does not receive them. Clearing browser data or switching devices will remove them, so use the export option in the workspace to keep a backup file you can import later.

Enquiries and privacy

What happens after I send an enquiry?
You receive an email with your reference. If you consented to sharing, Privet passes your enquiry to a finance provider, who may contact you directly. Sending an enquiry is not an application for credit, carries no obligation and does not guarantee any outcome. You decide whether to proceed with any provider.
Can I ask Privet to delete my enquiry?
Yes. Use the privacy request form to ask Privet to access, correct or delete the information it holds about you, or to withdraw a consent. We confirm your identity before acting. Information already shared with a provider with your consent is held by that provider under its own privacy policy.
What should I not include in an enquiry?
Do not enter tax file numbers, passwords, bank account details or copies of identity documents in the enquiry form. Privet does not need them. A provider who decides to proceed will ask for documents through its own secure process, after you have chosen to deal with it.

Borrowing and protection

How can I check a lender before I deal with it?
Search ASIC's professional registers to see whether the business holds an Australian Credit Licence or is an authorised representative, and check whether it is a member of AFCA. Ask for all fees in writing, and be cautious of anyone asking for upfront payments to personal accounts.
What if I cannot repay a loan on time?
Contact the lender as early as possible, before the loan expires or a payment is missed, and ask about an extension or variation in writing. Free, confidential financial counselling is available from the National Debt Helpline, and unresolved complaints about a member firm can go to AFCA.
Do consumer credit protections apply to private loans?
It depends on the purpose. Loans to individuals for personal, domestic or household purposes, or residential investment, are generally regulated consumer credit with added protections. Many private loans are for business purposes and fall outside those rules, so read the documents carefully and get legal advice.

Still have a question? Contact Privet.