Digital material—Terms and Conditions
Bordez.com.au is owned and operated by Bordez Pty Ltd ABN 33107055103
The information on our digital sites such as social media platforms and website, is subject to terms and conditions.
These terms and conditions (T&Cs) apply where indicated and are subject to change at Bordez Pty Ltd discretion and without prior notice.
The following information outlines the details of these T&Cs. They establish what you can expect from us as you engage with us or use our services. They also explain technical terms applied.
Use of digital sites
The information on our digital sites is only general. It does not necessarily apply to your specific circumstances. Your financial circumstances, goals and requirements need to be reviewed before we can find you a loan or choice of loans that suit your circumstances. All loans are subject to lenders terms and conditions, including fees and charges.
With regards to our advice and your decision on loan offers we recommend that you get your own independent legal, tax and financial advice. We provide credit or borrowing advice but we do not provide financial advice such as what or where to invest in or development of financial plans.
No cost, no obligation service
Bordez navigates home loan and personal borrowing on your behalf at no cost to you or any obligation to engage our services.
Following settlement of loans applied for through us, we are paid a commission by the lender. This commission is disclosed in the final agreement document called “Preliminary assessment and credit proposal”.
$0 LMI
You may be eligible for $0 Lenders Mortgage Insurance fee if borrowing with equal to or more than 15% deposit, (up to 85% LVR—loan to valuation ratio).
Credit licence
Bordez Pty Ltd credit practice licence numbers are as follows:
- Credit Representative Number (CRN)
- Bordez Pty Ltd - 514831
- Boris Sfiligoi (Mortgage Broker) – 514830
- Australian Credit Licence (ACL)
- Mortgage Specialists Pty Ltd – 387025
Credit representative, Boris Sfiligoi is an accredited finance broker with Mortgage and Finance Association of Australia (MFAA).
Glossary for abbreviations used
LVR: Loan to Valuation Ratio—This is a percentage figure. To calculate your LVR, take the $ amount you want to borrow and divide it by the $ valuation of the property. A reasonable estimation of the valuation is suitable rather than getting a certified valuation. There are several conditions placed on a loan if the LVR is generally greater than 80% such as charging LMI (see below).
LMI: Lender’s Mortgage Insurance—This is a fee charged to you by the lender if you generally have less than 20% deposit when you buy a home. Some lenders only charge this at less than 15% deposit. You often have a choice to either pay the fee out over the life of the loan with the fee proportionally added to monthly repayments or pay it outright and upfront.
Contact regarding these terms and conditions
Manager Operations