Credit Guide

We are licensed under the National Consumer Credit Protection Act 2009 (NCCP Act) which regulates lending, leasing, and finance broking. This Credit Guide provides you with important information including the details of our (“we, us, our”) licence.

About us

Licensee Name SOULMATE LOANS PTY LTD

Address 241 Morala Ave, Runaway Bay QLD 4216

Telephone 0414464699

Email info@soulmateloans.com.au

Australian Credit Licence Number 561976

We have authorised Benjamin Sasonow as our credit representative. The details of Benjamin’s authorisation are:

Credit Representative Name Benjamin Sasonow

Address 241 Morala Avenue RUNAWAY BAY QLD 4216

Telephone 0414 464 699

Email ben@soulmateloans.com.au

Credit Representative Number N/A

Our Services

We will assist you in choosing the loan or lease which is suitable for your purpose and your requirements. We will provide you with information on a range of lenders and make a recommendation based upon the information you provide us. This is referred to as providing credit assistance.

Throughout the process of providing credit assistance, our brokers are required to be transparent about products, your options and any applicable fees or charges.

We do not provide financial or legal advice. It is important to understand your legal obligations under a proposed loan or lease. If you have any doubts, you should obtain independent financial and legal advice before you enter into any finance contract.

Information we need from you

Under the NCCP Act we are obliged to ensure that any loan or lease we help you obtain is in your best interests, meets your requirements for finance and is affordable. To determine this, we will ask you questions and obtain information from you and, with your consent, from third parties. If we do not have current and accurate information about you, we are unable to provide credit assistance.

We are required to document our findings in a Preliminary Assessment.

If we provide you with credit assistance, you may request a copy of our Preliminary Assessment at any stage for up to 7 years. We will provide you with a copy of the Preliminary Assessment within 7 business days of receiving your request. However, if your request is more than 2 years after the date of the loan or lease settling, it may take up to 21 days after your request is received. There is no charge for requesting a copy of the Preliminary Assessment.

Fees and charges that are payable by you in relation to our credit assistance

We may charge a fee for providing credit assistance to you. If applicable, details about those fees will be set out in a Credit Quote which we will give you prior to submitting your loan or lease application.

Other fees and charges

You may have to pay other fees and charges such as application fees, inspection or valuation costs, security registration fees and other applicable fees. These fees may be payable to the lender, state revenue office or other parties, and you should review the loan contract documentation for further details of any such fees and charges.

How do I get paid?

We receive commissions, brokerage, or origination fees (“commissions”) from the lender that provides your loan or lease. Details of the commission will be outlined in the Credit Proposal document that we will provide to you when applying for finance. These fees are not payable by you and will be paid by the lender either directly to us, or via our aggregator, after the loan settles.

We may receive additional commissions or bonuses from lenders relating to the volume of finance that we arrange. Such payments are dependent upon a number of factors and cannot be quantified at this point.

From time to time, I may receive a noncommission benefit such as training or entertainment. The nature of such arrangements are temporary, and the occurrence and amounts are often not readily ascertainable, however if they are apparent as a result of assisting you with credit assistance, this will be disclosed to you.

We will provide you with full details on the nature and amount of these commissions and you can obtain additional information about the method of calculation by asking us.

Our lender panel

We assess the needs of every client on an individual basis and source finance from a range of lenders. The lenders outlined below are the lenders through which we generally conduct the most business:

Australian Motorcycle & Marine Finance
Alex Bank
Automotive Financial Services
Azora
Branded Financial Services
Latitude Financial
Finance One
Metro Finance
Firstmac
Money 3
MoneyMe / Autopay
Now Finance
Pepper Money
Plenti
SocietyOne
Resimac
Wisr
The Asset Financier

Other people we deal with

Our Aggregator

We have approval to utilise credit providers and their lending and leasing products through the services of our aggregator Connective Broker Services Pty Ltd ABN 77 161 731 111.

Referrers and referral fees

We obtain referrals from a range of sources, including accountants, financial planners, real estate agents and other people. If you were introduced or referred to us, we may pay the referrer a commission or a fee. Details of any commission or fees being paid to the referrer will be included in the Summary of Requirements and Credit Proposal document.

Dispute resolution and complaints

We are committed to providing you with good service, however we understand there may be times where you are not satisfied. If this occurs, please contact us, so we can work towards a prompt and fair resolution.

If we are unable to reach a satisfactory resolution, you may refer the complaint to the Australian Financial Complaints Authority (AFCA) in accordance with ASIC regulations.

Phone: 1800 931 678 (free call)
Email: info@afca.org.au
Website: www.afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Further Information

For more information regarding this Credit Guide or anything else about our services, just contact us at any time. We’re here to assist you.

Please contact our Compliance Officer at:

Email: compliance@soulmateloans.com.au

This guide was last updated on 12th June 2025