Financial Services & Credit Guide

Date of issue: 03 November 2026

YourInvestmentPropertyMag.com.au is operated by Savings.com.au Pty Ltd ("Savings.com.au", "our", "us" or "we").

The financial and credit services referred to in this FSCG are offered by Savings.com.au Pty Ltd ACN 161 358 363.

Savings.com.au is an authorised and credit representative of InfoChoice Pty Ltd ACN 061 105 735 (“InfoChoice”), of Level 40, 123 Eagle Street, Brisbane QLD 4000 who holds Australian Financial Services Licence (“AFSL”) and Australian Credit Licence (“ACL”) No. 349445. Savings.com.au’s Authorised Representative number is 1318092 and Credit Representative number 514874.

This document incorporates our Financial Services Guide (FSG) and Credit Guide (CG). It is a key document to help you decide whether to obtain any of the products or services provided by InfoChoice and Savings.com.au. It provides important information about:

Our Licensing & Authorisations
The products and/or services we may offer
Relationships
How we generate revenue
Compensation arrangements
Our dispute resolution processes
How to contact us

The distribution of this Guide has been authorised by InfoChoice.

Our Licensing & Authorisations

Savings.com.au is a digital publisher whose primary purpose is to help everyday Australians save money.

Savings.com.au operates as an authorised and credit representative of InfoChoice, who holds AFSL and ACL No. 349445. Savings.com.au’s Authorised Representative number is 1318092 and Credit Representative number 514874.

Under the Corporations Act, Savings.com.au may provide general financial product advice to you even though it does not deal directly with you. Savings.com.au content may be distributed to you through its website and other digital channels such as social media, and where consent is held or obtained, email.

General advice provided by Savings.com.au does not constitute personal advice and the general advice does not take into account your financial situation, needs and objectives.

Relationships

Savings.com.au Pty Ltd ACN 161 358 363 is the parent company for InfoChoice. Due to common ownership, InfoChoice, Savings.com.au, loans.com.au, CarLoans.com.au and Firstmac Limited  ACN 094 145 963 are all associate entities and as such, part of the Firstmac Group.

Products provided by the Firstmac Group shall be assessed using the same journalistic methods as those of any other product provider and, like any other third party, shall only be included within InfoChoice editorial content where those products are judged as appropriate.

How we generate revenue

Savings.com.au may receive fees in relation to the following:

Fees for referrals from a product or product provider table on the YourInvestmentPropertyMag.com.au website and other digital properties including but not limited to social media and email. The fees can be calculated via a number of different methods including by number of referral clicks, number of leads created from supplied referral clicks, number of applications (both preliminary and approved) and fixed sponsorship fees.
Advertising placements on YourInvestmentPropertyMag.com.au’s website: YourInvestmentPropertyMag.com.au may receive a fee from the advertiser for display of an advertisement on the YourInvestmentPropertyMag.com.au website and/or other digital entities including but not limited to social media and email.
Promoted/Sponsored content placements on YourInvestmentPropertyMag.com.au’s website: YourInvestmentPropertyMag.com.au may receive a fee from the advertiser for display of promoted/sponsored content on the YourInvestmentPropertyMag.com.au website and/or other digital entities including but not limited to social media and email.

How are YourInvestmentPropertyMag.com.au Staff remunerated?

Our staff are paid a salary and may receive bonuses, which may be based on several factors including performance, customer service and quality assurance scores.

Compensation Arrangements

InfoChoice is covered by professional indemnity insurance which satisfies the requirements for compensation arrangements under section 912B of the Corporations Act. Subject to its terms and conditions, the policy provides cover for civil liability resulting from third party claims concerning the professional services provided by InfoChoice and its employees and authorised representatives, including where that employee or authorised representative has subsequently left InfoChoice.

What to do if you have a complaint about us

Should you wish to lodge a complaint about YourInvestmentPropertyMag.com.au or our services, please notify us in writing at our Contact us address, by email to complaints@savings.com.au addressed to the Complaints Officer or by calling YourInvestmentPropertyMag.com.au on 07 3017 8813.

Our policy is to immediately seek to resolve and acknowledge receipt of complaints. We will then investigate the complaint and decide what action (if any) to take. Our decision will be communicated to you within 30 days.

If you are not satisfied with how your complaint has been resolved you may contact the external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA), details below.

Australian Financial Complaints Authority

GPO Box 3
Melbourne, VIC 3001

Phone 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au

How to contact us

If you have any questions or would like more information about this FSCG, you can contact us using the details below:

Email: enquiries@savings.com.au
Visit: www.savings.com.au

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Important information

YourInvestmentPropertyMag.com.au provides general information and comparison services to help you make informed financial decisions. We do not cover every product or provider in the market. Our service is free to you because we receive compensation from product providers for sponsored placements, advertisements, and referrals. Importantly, these commercial relationships do not influence our editorial integrity.

For more detailed information, please refer to our How We Get Paid, Managing Conflicts of Interest, and Editorial Guidelines pages.

Editorial Integrity

At YourInvestmentPropertyMag.com.au, we are passionate about helping Australians make informed financial decisions. Our dedicated editorial team works tirelessly to provide you with accurate, relevant, and unbiased information. We pride ourselves on maintaining a strict separation between our editorial and commercial teams, ensuring that the content you read is based purely on merit and not influenced by commercial interests.

Learn more about our commitment to editorial integrity in our Editorial Guidelines.

Advertiser Disclosure

Our service is free for you, thanks to support from our partners through sponsored placements, ads, and referrals. We earn compensation by promoting products, referring you, or when you click on a product link. You might also see ads in emails, sponsored content, or directly on our site.

For more details, see How We Get Paid.

Product Coverage and Sort Order

We strive to cover a broad range of products, providers, and services; however, we do not cover the entire market. Products in our comparison tables are sorted based on various factors, including product features, interest rates, fees, popularity, and commercial arrangements.

Some products will be marked as promoted, featured or sponsored and may appear prominently in the tables regardless of their attributes.

Additionally, certain products may present forms designed to refer you to associated companies (e.g. our mortgage broker partner) who may be able to assist you with products from the brand you selected. We may receive a fee for this referral.

You can customise your search using our sorting and filtering tools to prioritise what matters most to you, although we do not compare all features and some results associated with commercial arrangements may still appear.

For more details, visit How We Get Paid and Managing Conflicts of Interest.

Comparison Rate Warning and Base Criteria

For home loans, the base criteria include a $500,000 loan amount over 30 years. These rates are only examples and may not include all fees and charges.

*The Comparison rate is based on a $150,000 loan over 25 years. Warning: this comparison rate is true only for this example and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Monthly Repayment Figures

Monthly repayment figures are estimates that exclude fees. These estimates are based on the advertised rates for the specified term and loan amount. Actual repayments will depend on your circumstances and interest rate changes.

Monthly repayments, once the base criteria are altered by the user, will be based on the selected products’ advertised rates and determined by the loan amount, repayment type, loan term and LVR as input by the user/you.

Related Brands

YourInvestmentPropertyMag.com.au is proudly part of the InfoChoice Group, which includes InfoChoice.com.au, Savings.com.au, and YourMortgage.com.au. The InfoChoice Group is associated with the Firstmac Group.

We may include products and services from loans.com.au, CarLoans.com.au, and OnlineAuto.com.au, all associated with the Firstmac Group. Importantly, these brands are treated like any other commercial partner.

Learn more about how we manage conflicts of interest.

General Advice Disclosure

The information provided by YourInvestmentPropertyMag.com.au is general in nature and does not take into account your personal objectives, financial situation, or needs. We recommend seeking independent financial advice before making any financial decisions. Before acquiring any financial product, obtain and read the relevant Product Disclosure Statement (PDS), Target Market Determination (TMD), and any other offer documents.

Rates and product information should be confirmed with the relevant credit provider. For more information, read YourInvestmentPropertyMag.com.au’s Financial Services and Credit Guide (FSCG).

Financial Services & Credit Guide (FSCG)