Free Mortgage Assessment. Hurry Up!!!
Free Mortgage Assessment. Hurry Up!!!
Last Updated: 2026-01-08
This document outlines the terms and conditions under which Nice Loans provides services to you. By applying for a loan through Nice Loans, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions.
“I”, “We”, “Us”, and “Our” refers to Nice Loans (ABN 77 433 152 617), Credit Representative Number 499665.
Nice Loans is aggregated through Vow Financial Pty Limited (ABN 66 138 789 161), Australian Credit Licence Number 390261.
Nice Loans operates as a finance broker, acting on behalf of lenders to assist you with home loans, mortgage products, and other credit contracts. Our services include:
Important: We do not provide legal or financial advice regarding the implications of entering into credit arrangements. We recommend you seek independent professional advice regarding the suitability of any loan product for your specific circumstances.
We have established relationships with a panel of lenders who have authorised us to arrange credit on their behalf. Our panel of lenders does not necessarily represent all lenders in the market who offer the type of credit you seek.
We may consider working with lenders outside our standard panel, provided they:
For most standard residential home loans, no fees are payable by you to Nice Loans. We receive commission payments from lenders for arranging your loan.
We may charge a brokerage fee for:
Transparency Commitment: Any fees charged by Nice Loans will be clearly disclosed to you in writing before you proceed with your application.
In limited circumstances, we may charge a processing fee for work completed if you have acted in an unethical manner, including but not limited to:
If we charge you a brokerage fee and are unable to obtain loan approval for you, we will refund the fee to your nominated bank account.
Any program fees charged for specific services (such as pre-purchase consultation programs) will have their refund terms clearly disclosed at the time of payment. Generally:
Nice Loans may receive:
These commissions are paid by lenders and do not cost you anything additional.
We may pay referral fees to individuals or companies that refer clients to us. This does not affect the service you receive or the loan products available to you.
We confirm that:
By engaging Nice Loans, you acknowledge and agree that:
You agree to release, indemnify, and hold Nice Loans harmless from any loss, damage, cost, or injury arising from or related to:
This indemnity does not apply to losses caused by our negligence, fraud, or willful misconduct.
We understand that the details you provide us are private and personal. We are committed to protecting your privacy in accordance with the Australian Privacy Principles set out in the Privacy Act 1988 and any other relevant law.
Personal information means information from which your identity is reasonably apparent. This may include:
We collect personal information to:
Where reasonable and practical, we collect your personal information directly from you. We may also collect information from:
We may disclose your personal information to:
Before disclosing your information, we will take reasonable steps to ensure the recipient has a commitment to protecting your personal information at least equal to ours, or that you have consented to the disclosure.
We may use cloud storage to store your personal information. The cloud storage and IT servers may be located within or outside Australia.
You authorise Nice Loans to:
If we collect government identifiers (such as your tax file number), we will only use or disclose this information as required by law. We will never use a government identifier to identify you.
We will only collect sensitive information about you with your consent. Sensitive information includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health. We will not collect sensitive information that is not required for obtaining finance.
We may use your personal information to provide you with information about finance, offers, changes to our organisation, or new products and services offered by us or associated companies.
Opting Out: If you do not wish to receive marketing information, you may decline at any time by:
It is important that the personal information we hold about you is accurate and up to date. During our relationship with you, we may ask you to inform us if your personal information changes. You may contact us at any time to update your information.
You may request access to the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information.
We will generally respond to your request:
There may be situations where we are not required to provide access, such as:
If we deny access, we will provide you with an explanation.
If any personal information we hold is incorrect, inaccurate, or out of date, you may request that we correct it. We will:
We take reasonable steps to protect your personal information by storing it in a secure environment. We store personal information in both paper and electronic form and take reasonable steps to protect it from misuse, loss, unauthorised access, modification, or disclosure.
Where lawful and practicable, we will offer you the opportunity to do business with us without providing personal information (for example, making general inquiries about interest rates or current promotional offers). However, in most circumstances it will be necessary for us to identify you to successfully provide our services.
If you have a complaint about our services or how we have handled your personal information, please contact us:
Phone: 07 3114 2281
Email: docs@niceloans.com.au
We will:
If you are dissatisfied with our response, you may escalate your complaint to:
Australian Financial Complaints Authority (AFCA)
GPO Box 3
Melbourne VIC 3001
Phone: 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au
AFCA provides fair and independent financial services complaint resolution that is free to consumers.
For privacy-related complaints, if you are dissatisfied with our response, you may contact:
Office of the Australian Information Commissioner
Phone: 1300 363 992
Website: www.oaic.gov.au
By accessing the Nice Loans website, you agree to be bound by these terms. If you do not agree, you must not use our website.
We strive to keep information on our website current and accurate. However:
Comparison rates shown are based on a secured loan of $150,000 over 25 years.
WARNING: Comparison rates apply only to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees, early repayment fees, and fee waivers may influence the actual cost of the loan but are not included in the comparison rate.
Our website calculators provide estimates only and:
We accept no liability for decisions made based on calculator results.
Interest rates are set by lenders, not by Nice Loans. Due to the variety of loan products available, we cannot list all interest rates on our website. Contact us for a personalised interest rate quote for your situation.
Information on our website is general in nature and does not constitute legal or financial advice. You should obtain professional advice specific to your circumstances.
All content on the Nice Loans website is protected by copyright. You may not copy, reproduce, or republish content without our written permission, except for:
We reserve the right to request removal of any content that has been republished without permission.
You agree to use our website lawfully and not to post or transmit any:
If you experience difficulty making loan repayments, contact your lender immediately. Lenders may:
Each lender has specific hardship and collection policies. We are not involved in debt collection, which is the lender’s responsibility.
Most lenders offer hardship assistance programs. Contact your lender early if you anticipate repayment difficulties.
If you have a fixed rate loan:
Refer to your lender’s loan contract for specific fixed rate renewal policies.
Nice Loans reserves the right to update these terms and conditions at any time. Changes will be posted on our website with an updated “Last Updated” date. Your continued use of our services after changes are posted constitutes acceptance of the updated terms.
For material changes affecting existing clients, we will make reasonable efforts to notify you directly.
These terms and conditions are governed by the laws of the Commonwealth of Australia and the State or Territory in which you reside. Any disputes arising from these terms will be subject to the jurisdiction of the courts of that State or Territory.
If any provision of these terms and conditions is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
Nice Loans
ABN: 77 433 152 617
Credit Representative Number: 499665
Phone: 07 3114 2281
Email: docs@niceloans.com.au
Website: www.niceloans.com.au
Aggregator:
Vow Financial Pty Limited
ABN: 66 138 789 161
Australian Credit Licence Number: 390261
By engaging Nice Loans, you confirm that you have read, understood, and agree to these terms and conditions.
