Financial Services & Credit Guide

YourInvestmentPropertyMag.com.au (Savings.com.au Pty Ltd) ACN 161 358 363 operates as an Australian Financial Services Licensee and an Australian Credit Licensee Number 515843, of Level 40, 123 Eagle Street, Brisbane Qld 4000.

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

Who we are
The products and/or services we may offer
Associations we have that may influence the information we provide (conflicts)
How we generate revenue
Compensation Arrangements
Our dispute resolution processes
How to contact us

Who is YourInvestmentPropertyMag.com.au?

YourInvestmentPropertyMag.com.au is a digital publisher whose primary purpose is to help everyday Australians save money. Whether it be to help people get those savings ‘up-front’ when they buy something, or the cumulative savings made over time which help people to build their future position, YourInvestmentPropertyMag.com.au was born out of the growing need for practical and common sense ways to save.

YourInvestmentPropertyMag.com.au is part of the Firstmac Group. Firstmac is a challenger in the market with more than $12 billion in loans under management. Over the last 40 years, Firstmac has provided over 100,000 home loans to everyday Australians. International ratings agency Standard & Poor's awards Firstmac its highest possible ranking for loan servicing. Being part of the Firstmac Group means that YourInvestmentPropertyMag.com.au has a number of ‘sister’ brands including the online lender, ‘Loans.com.au’. The separation of editorial content and commercial interests in the context of the broader group is paramount for YourInvestmentPropertyMag.com.au. This means that it takes proactive steps to manage group commercial influence over the YourInvestmentPropertyMag.com.au operation. This can be read about further in our published Conflicts of Interest declaration on the YourInvestmentPropertyMag.com.au website.

In essence, YourInvestmentPropertyMag.com.au sister brands will be treated in the same manner as any other product provider looking to connect with the YourInvestmentPropertyMag.com.au audience. If the Savings editorial team judge that products from a sister brand do not meet the purpose test of ‘helping consumers save money’, then they will not be included in editorial content.

Our Licensing & Authorisations

YourInvestmentPropertyMag.com.au operates under an Australian Financial Services License (AFSL) and as an Australian Credit License Number 515843. These licensing regimes require material effort to ensure that YourInvestmentPropertyMag.com.au remains within their strict compliance frameworks – a responsibility which YourInvestmentPropertyMag.com.au takes very seriously.

Any information is intended to be general in nature. It is not intended to be specific to an individual’s personal circumstances. And whilst we will create and provide access to handy tools such as calculators, infographs and succinct tables to help the audience make better decisions to help them save money, YourInvestmentPropertyMag.com.au will never recommend a single product as being appropriate to an individual’s specific and personal needs and circumstances. YourInvestmentPropertyMag.com.au encourages members of its audience to speak with a financial adviser should they wish to discuss their own personal circumstances and needs.

What Services are offered?

YourInvestmentPropertyMag.com.au operates as an Australian Financial Services Licensee Number 515843 to provide general financial product advice and deal in deposit and payment products such as term deposits and savings accounts.

YourInvestmentPropertyMag.com.au operates as an Australian Credit Licensee to engage in credit activities to act as intermediary.

Who is responsible for the financial services provided?

YourInvestmentPropertyMag.com.au operates as an Australian Financial Services Licensee Number 515843 under the Corporations Act and Australian Credit Licensee Number 515843 under the National Consumer Credit Protection Act 2009 to provide the services outlined in this Financial Services and Credit Guide.

Under the Corporations Act, YourInvestmentPropertyMag.com.au may provide general financial product advice to you even though it does not deal directly with you. YourInvestmentPropertyMag.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 YourInvestmentPropertyMag.com.au does not constitute personal advice as it does not take into account your financial situation, needs and objectives. YourInvestmentPropertyMag.com.au’s credit licence authorisation requires it to provide you with a credit guide setting out the information in this document.

Does YourInvestmentPropertyMag.com.au have any potential conflicts of interest that may influence it?

YourInvestmentPropertyMag.com.au content will always be researched, written and appropriately approved according to regulatory requirements, journalistic methods and in an objective manner in order to identify the money saving opportunities and products that it judges are worthy of consideration for its audience, consistent with its purpose of "helping people save money”.

Content is curated on which people in the community are searching for answers. If this content generates opportunities for the YourInvestmentPropertyMag.com.au team to connect the ensuing audience to products that it believes align with the contextual purpose of the content, then it will publish those products and consider a commercial relationship with the product provider/s. Importantly, YourInvestmentPropertyMag.com.au often publishes products which have no commercial relationship in place with a product provider.

Additionally, 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 YourInvestmentPropertyMag.com.au editorial content where those products are judged by the non-commercial YourInvestmentPropertyMag.com.au teams as good savings options for the audience.

How we generate revenue

Savings 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

Compensation Arrangements

YourInvestmentPropertyMag.com.au and Firstmac Limited hold a professional indemnity insurance which satisfies the requirements for compensation arrangements under section 912D 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 Firstmac Limited and its employees and authorised representatives, including where that employee or authorised representative has subsequently left Firstmac Limited.

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 45 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 FSG and CG, you can contact us as follows

Email: enquiries@savings.com.au

Purpose and Commitment

YourInvestmentPropertyMag.com.au exists to help people save money, whether it be to get those savings ‘up-front’ when we buy something, or those cumulative savings we make over time which help to build our future position.

To do this, YourInvestmentPropertyMag.com.au generates relevant and factual information which it commits to providing freely to anyone visiting its website or accessing the content through other digital channels including email subscriptions, Facebook, LinkedIn and various other social media.

It takes material resources (staff, IT systems and many other business overheads) to be able to present this curated content so that it can be easily consumed and remain free of charge. In order to sustain this, it is necessary for YourInvestmentPropertyMag.com.au to generate revenue.

Connecting the audience with products that are likely to help them save

YourInvestmentPropertyMag.com.au earns revenue by connecting financial product suppliers (eg. banks, building societies, credit unions, etc.) to those in its audience who are in market, and whom see value in the products published within the content.

Any products published within the YourInvestmentPropertyMag.com.au editorial content are done so first and foremost because they are contextually relevant to and complement that content. For this to happen, the YourInvestmentPropertyMag.com.au team must judge that the product, when compared against the broader market offering available to consumers, is one that is likely to help the audience save money.

Media Products are Important Communication Devices

As stated on our 'Managing Conflicts of Interest' page, we write and present content which we know people in the community are searching for to help them save money. Part of this content is tables of product information which are designed to provide a level of real world data to complement the concepts and insights being communicated in the body of an article.

Tables are a very effective tool in providing a convenient way for the audience to scope products available in the market which the YourInvestmentPropertyMag.com.au team judges are likely to help people to save money. Hence they are an important communication device on the YourInvestmentPropertyMag.com.au website.

These tables (either embedded or stand-alone) are also the predominant format of media product which YourInvestmentPropertyMag.com.au uses to connect audiences with product providers in a commercial manner, offering this access via lead referrals which are directed to landing pages curated by the product providers.

These commercial relationships are always contingent upon the YourInvestmentPropertyMag.com.au team’s judgement that the products within the tables align with the contextual purpose of the editorial content (i.e both the topic being discussed as well as the products offering the opportunity for the audience to save money).

Importantly, just because a product is listed in a table does not mean that it is underpinned by a commercial relationship. YourInvestmentPropertyMag.com.au often publishes products where there is no commercial relationship in place with the product provider.

If you click on a product link and you are referred to a Product or Service Provider’s web page, it is highly likely that a commercial relationship exists between that Product or Service Provider and YourInvestmentPropertyMag.com.au.

Sustainability based on Trust

YourInvestmentPropertyMag.com.au understands that its business is based on an intrinsic level of trust between itself and its audience. The foundation of this trust is that the audience can rely on YourInvestmentPropertyMag.com.au to curate content which will help them save money.

If YourInvestmentPropertyMag.com.au fails to do this by promoting specific products (through both publishing and entering into commercial relationships) which do not, relative to the broader market of product options, help the audience save money, then the trust bond between YourInvestmentPropertyMag.com.au and its audience will not be sustained.

This would not be good for the YourInvestmentPropertyMag.com.au business, as it would cause a fundamental erosion of audience numbers and engagement. So in this sense, YourInvestmentPropertyMag.com.au’s commercial success is structurally aligned to its ability to help its audience save money – something which would preclude it from promoting products (for commercial benefit) which do not do this.

Regulatory Regime

YourInvestmentPropertyMag.com.au (Savings.com.au Pty Ltd) operates as an Australian Financial Services Licensee and an Australian Credit Licensee, Number 515843, of Level 40, 123 Eagle Street, Brisbane Qld 4000. These licensing regimes are designed to protect consumers from unscrupulous activities in the financial services and credit industries. A substantial effort is made by YourInvestmentPropertyMag.com.au to ensure that it remains clearly within the strict compliance frameworks of these regimes – a responsibility which YourInvestmentPropertyMag.com.au takes very seriously.

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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, OnlineAuto.com.au, and YourMortgageBroker Pty Ltd, 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).