Last updated: April 2026
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).
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]
We provide credit assistance to consumers and businesses seeking finance for:
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.
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.
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.
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.
Our SME Financial Snapshot service is priced at $550 inc GST, payable by the client. This is a standalone advisory service, not credit assistance.
To assist us in finding the most suitable loan, you should:
You have the right to:
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]