Credit Guide

Last updated: April 2026

1. About This Guide

This Credit Guide is designed to help you understand the credit assistance we provide, how we are paid, and your rights as a consumer. It is provided in accordance with the National Consumer Credit Protection Act 2009 (NCCP Act).

2. About Us

Flagship Financial
Authorised Credit Representative (ACR) Number: 517257
Authorised under Australian Credit Licence (ACL) Number: 389527
Held by: COG Aggregation Pty Ltd, ABN 99 124 319 857

Contact: 0468 011 191 | [email protected]

3. What Credit Assistance Do We Provide?

We provide credit assistance to consumers and businesses seeking finance for:

• Motor vehicles (new and used)
• Commercial vehicles and equipment
• Business loans and lines of credit
• Personal loans
• Refinancing of existing loans

We act as your broker — we compare products from our panel of 30+ lenders to find the most suitable option for your situation. We submit applications on your behalf and manage the process through to settlement.

4. Our Lender Panel

We have access to a panel of 30+ lenders, including major banks, specialist lenders, and non-bank financiers. Our panel is regularly reviewed to ensure we can offer competitive and diverse options. We will always tell you which lender we recommend and why.

5. How We Are Paid

Commissions from Lenders

In most cases, we receive a commission from the lender once your loan is settled. This commission is paid by the lender, not by you. The amount varies by lender and product but typically ranges from 1% to 7% of the loan amount.

Fees Charged to You

In most cases, there is no fee charged to you for our broking services. If any fee is applicable, we will disclose this to you in writing before you commit to anything.

SME Financial Snapshot

Our SME Financial Snapshot service is priced at $550 inc GST, payable by the client. This is a standalone advisory service, not credit assistance.

6. Your Obligations

To assist us in finding the most suitable loan, you should:

• Provide accurate and complete information about your financial situation
• Inform us of any changes to your circumstances during the application process
• Read all loan documentation carefully before signing
• Ask questions if there is anything you don't understand

7. Your Rights

You have the right to:

• Request details of commissions and fees at any time
• Receive clear explanations of all loan terms and conditions
• Decline any product recommended to you
• Access our internal dispute resolution process
• Lodge a complaint with AFCA if your complaint is not resolved to your satisfaction

8. Complaints and Disputes

If you have a complaint about our services, please contact us first:

Phone: 0468 011 191
Email: [email protected]

We will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.

If we cannot resolve your complaint to your satisfaction, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA):

Website: www.afca.org.au
Phone: 1800 931 678
Email: [email protected]