Terms of Using this Website

This document is prepared to explain the terms and conditions to use this website. It is requested by the owner of the Website to review these Terms carefully. By accessing this Website without reading Terms and conditions means you accepted and agreed to these Terms. You must not use this Website if you do not agree with these Terms.
This website is prepared for Australian users only. You should not use this Website if you are not residing in Australia.

Optima finance & mortgage reserves the right to change or update the terms of using this website at any time.


The contents provided on this website is general in nature and information purpose only. It does not contain any financial advice to make a financial decision. The information on this website should be used as guide only. We do not warrant that access to this Website will be uninterrupted, or that the services and features offered on this Website will be error-free. The use of this Website is at your own risk. Optima finance & mortgage reserves the right to change or discontinue any information, service or feature on this Website at any time. Information may change without any notice.

We do not guarantee or representation as to the accuracy, currency or completeness of any information on this Website.

We encourage you to consider whether it is an appropriate information for your financial needs before you act on any information on this website. It is recommended to contact us to talk to our mortgage professional at Optima Finance & Mortgage.

Use of calculator:

The information provided by the calculator is intended to provide illustrative examples based on stated assumptions and your inputs. Calculations are meant as estimates only and it is advised that you consult with a mortgage broker about your specific circumstances.

Interest rate

Low Interest rate is not necessarily suitable for your circumstances, you may not qualify for that particular rate. The comparison rate is based on a loan amount and other fees involved. Comparison rate is provided for example only and it may result different rate at different amount.

Access to Another website:

You may access to third party website through this website for information and materials. Third party website may contain information, comments, advertisements, data information, social media content and links to another website. We are not responsible for third party material or information on their website. Optima finance has no control over third party website.

It is for your knowledge and information purpose only, we rely on third party’s materials but do not warrant the quality or accuracy of the information. We have no liability for any results or information produced by the Website, and you will be responsible for your action you take on any product or information.

Intellectual property

Optima finance & mortgage reserves copy rights of its all intellectual properties (all names, logos and website template design). Nothing on this Website should be interpreted or copied as granting any rights to commercial use or distribute any names, logos or trademarks, without the express written agreement of the relevant owners.


At optima finance, we understand how important the privacy of your personal information to you and we are committed to assure the privacy of your personal information. Optima finance makes every possible effort to protect privacy of your personal information.

What personal Information We are collecting through the website

We are collecting minimal information through the enquiry form of our website for consultation purpose only. Your personal information includes your full name. email address, phone number and your interest. Moreover, personal information also may include your name, age, gender, contact details, and your financial information.

How we use your personal Information>/h2>

We may use or disclose your information to relevant parties and share with our employees, related service providers in order to provide our service to you. However, if you choose not to do so, then we may not be able to help you further and communicate with you in the future. We will act to protect your personal information in accordance with the Australian Privacy Principles or an industry privacy code.

You consent to your personal information being collected, used and disclosed in accordance with these Terms and our privacy policy. You must not provide or submit the personal information of another person, unless that person has understood and agreed to these Terms and our privacy policy.

Complaint Resolution

Optima finance & mortgage deals its dispute resolution processes in two ways:

  • Internal.
  • External.

Internal complaint resolution

We are committed to providing a fair and responsible system for the handling of complaints from parties whose personal information we hold. We will address any concerns you have through our complaints handling process. If you have any concerns regarding the way we have handled your privacy please send us an email (no spam please) or call us on 03 8595 6704. Contact us if you wish to discuss our privacy policy

External Complaints Resolution (COSL)

Optima finance & mortgage is a member of CIO (Credit & Investments Ombudsman Limited), you are free to make enquiries with CIO to addresses any complaints you may have.

Our Lending Partners

Call Us today to talk to our experts

at no cost

03 8595 6704