Terms & Conditions
Services Offered
We act as finance brokers on behalf of lenders, predominantly for home loan and mortgage products. We will provide you with information regarding the type and availability of credit contracts, finance products and loans. We will also assist you in the application process for finance by arranging offers to be made to you by lenders. We do not advise you on the legal implications of entering into credit arrangements or particular finance products.
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We are also tax accountants providing our clients with personal and business tax compliance services. We also provide bookkeeping, BAS, payroll services and other business tax compliance services.
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Fees Payable
As qualified mortgage brokers, we cannot receive fees from you in regards to your lending needs. We are paid an upfront and trail commission from the lender you decide to proceed with or may receive a referral fee from a business we refer you to.
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As tax accountants, we are paid by you, in advance, for services you agree to engage us for. The agreed fees will be invoiced in accordance with our payment terms below.
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In all cases, any fees charged or received by us, whether it be tax accounting or mortgage broking, will be disclosed to you upfront.
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Payment Terms
Business Solutions Packages:
Invoices will be generated on the 25th of each month, corresponding to services rendered in that month. Payment will be processed through direct debit on the same day, unless otherwise specified on the invoice.
Should you require services for preceding months, our monthly fee will be applicable. This fee is to be paid in advanced through direct debit prior to work being commenced.​
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Other Tax Services:
Invoices will be issued once services are completed, unless otherwise stated. Unfortunately, no tax returns will be lodged until invoices are settled in full.
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*An admin fee of $70 is added if you chose to pay via your tax refund.
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Overdue Invoices
Once an invoice is overdue by 30 days you will receive an overdue invoice from us for the payment outstanding - a late fee of $44 will apply. If the invoice remains outstanding past 60 days another late fee - $44 - will apply. If the invoice remains outstanding after 90 days, we have the authority to pass your invoice to a debt collector who may add more fees at their discretion.
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Costs of Recovery​
The debtor/s shall pay for all costs actually incurred by Appreciate Financial Solutions Pty Ltd in the recovery of any monies owed under this Agreement. You agree to be liable for and indemnify Appreciate Financial Solutions Pty Ltd. These costs include recovery agent costs, repossession costs, location search costs, process server costs and solicitor costs on a solicitor/client basis, debt collection commission and legal fees on an indemnity basis.
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Payment Methods​
We only accept Electronic Bank Transfers.
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Refund Policy
In the unlikely event you request a refund, we reserve the right to charge a fee for work commenced, or completed, on your accounts.
There is no refund on mortgage broking commissions
If a refund is due, we will finalise the matter within 5 business days.
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Compliments and Complaints
If you have a compliment please forward it to hello@appreciatefs.com.au with the subject line ‘Compliment.’
Alternatively, if you could please leave us a review by clicking the following link:
For any complaints please email our Director at hello@appreciatefs.com.au and he will endeavour to get in contact with you to resolve any issues or complaints.
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Please note that these terms and conditions can be updated at any time at our discretion.
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