This page sets out the information Londy Loans is required to give you under the National Consumer Credit Protection Act 2009 (NCCP Act) and ASIC Regulatory Guide 203 (RG 203). It explains who we are, what we do, how we get paid, and what to do if something goes wrong.

Final wording pending Fintelligence/Ausloans compliance review. Below is the structural scaffold per RG 203 requirements.

Licensee and credit representative details

Trading name: Londy Loans
Operator: David London
Office address: Level 7, 154 Melbourne Street, South Brisbane QLD 4101
Phone: (07) 3130 1674
Email: david@londy.com.au
Australian Credit Licence (ACL) number: [ACL: pending confirmation]
Australian Business Number (ABN): [ABN: pending confirmation]

What we do

Londy Loans provides credit assistance within the meaning of the NCCP Act — that is, we help you find and apply for credit contracts (consumer and commercial loans) provided by third-party lenders on our panel.

We are a finance broker — we do not lend money ourselves. The credit contract is between you and the lender we introduce you to.

Products we provide credit assistance for

Personal loans
Car loans (consumer and commercial)
Ute, truck and commercial vehicle loans
Caravan, motorhome and recreational vehicle loans
Boat and marine loans
Electric vehicle and hybrid car loans
Equipment finance (chattel mortgage, hire purchase, operating lease)
ABN low-doc and self-employed car finance

Lenders on our panel

We provide credit assistance in respect of products from a panel of 40+ lenders. The most active lenders on our panel currently include:

Westpac, CommBank, ANZ, NAB, Bank of Queensland (major banks)
Macquarie, BOQ Specialist (commercial)
Pepper Money, Liberty, FinanceOne, Money3, Now Finance, Plenti (specialist non-banks)
Capital Finance, Angle Finance, GoGetta (commercial and equipment)
Bank Australia, Great Southern Bank (consumer / green finance)

A full current panel list is available on request.

Fees and commissions we may receive

We are paid commission by the lender once your loan settles. Typical commission rates from lenders on our panel range from 1% to 3% of the loan amount, depending on the lender, the product, and the loan term. Some lenders also pay a smaller ongoing trail commission for the life of the loan, typically 0.1%–0.4% per year.

We do not currently charge consumers a separate broker fee. If this changes for any specific deal (e.g. complex commercial files where lender commission is insufficient), we will disclose the fee in writing before you commit.

The commission we receive does not increase the rate or fees you pay — it is paid by the lender out of their own margin.

VERIFY: confirm exact commission ranges and fee model with Fintelligence/Ausloans aggregator before publication.

Responsible lending — preliminary assessment

Before we recommend a credit product, we are required to make a preliminary assessment that the credit contract is "not unsuitable" for you. To do this we ask about:

Your requirements and objectives (what the loan is for, term, repayment preference)
Your financial situation (income, expenses, existing commitments, assets)
Verifying information (payslips, bank statements, tax returns where relevant)

You are entitled to request a free written copy of our preliminary assessment any time within 7 years of us providing credit assistance. Email us to request it.

The credit provider will also undertake their own suitability assessment as part of approving your loan.

Internal Dispute Resolution (IDR) — how to make a complaint

We aim to resolve any complaint quickly and fairly. To raise a concern:

Call us on (07) 3130 1674 or email david@londy.com.au
We will acknowledge your complaint within 24 hours and provide a final response within 30 days of receiving it (in line with ASIC RG 271)
If we cannot resolve the matter in that time we will let you know and explain why

Full IDR process detail is on our complaints page.

External Dispute Resolution — AFCA

If you are not satisfied with our IDR response, or if 30 days have passed without resolution, you can refer the complaint to the Australian Financial Complaints Authority (AFCA) — a free, independent dispute resolution scheme.

AFCA member — number pending confirmation

AFCA contact:

Online — www.afca.org.au
Phone — 1800 931 678
Email — info@afca.org.au
Mail — Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Privacy

We collect and use your personal information in accordance with our privacy policy and the Privacy Act 1988 (Cth).

Updates to this credit guide

This credit guide is current as of April 2026. We will provide an updated version if our circumstances change in a way that materially affects the information here.

Credit guide.