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Website Terms & Conditions


In these Terms and Conditions of Use, the expressions we, us and our refers to Pathway Mortgage & Finance. We hold an Australian Credit Licence (No. 386997) and are a Full Member of the Mortgage & Finance Association of Australia (MFAA).

Terms and Conditions of Use
By accessing, viewing or otherwise using any our website, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time. If you do not accept our Terms and Conditions of Use you are not authorised to use our website.


These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our website. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.

Loan Calculators
The calculators or information provided on our websites is provided for your convenience only and do not constitute either credit or financial advice. Information on our website has been prepared without consideration of all the details of your particular circumstances and should be viewed as general information and ads a guide only, and not as an indication that you should follow an particular course of action. We always recommend using these tools as a starting point then following up with a conversation with us to we can fully gage the details of your scenario and provide the best options for you moving forward.


Downloadable Guides

We have put together guide documents for you to download and request you provide your name and contact details to access. By downloading you agree that we may follow up with a call or email to discuss your borrowing needs. Please know you are in no way obligated to share further information with us. Our aim is for this quick conversation to be insightful and to provide you with value, together with the information you'll find on our guides.

Internet security risks
There may be security risks in sending information via the Internet.  You should assess these potential risks when deciding whether to use our online services.


Links to other websites
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites.


We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.

Use by persons outside of Australia
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.


The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia.

Third party software
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.


To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.

No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.


We recommend that you seek independent advice before acting upon any of the information on our websites.

We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.

You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.

Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise.


Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:

  • the resupply of the goods or services;

  • the repair of the goods or services

  • the payment of the cost of having the goods or services supplied again or repaired.


Copyright and trademarks
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.


You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trademarks in any way without our prior written consent.

Linking to our website
We welcome you to link to any of our website pages/information with reference to Pathway Finance, and do not hold any liabilities relation to instances resulting from this link.

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