Credit Guide

Version: October 2026

This Credit Guide provides important information about the finance broking and credit assistance services provided by Construct Home Loans, including who provides those services, the lenders we deal with, how we and our licensee may be paid, and what to do if you have a complaint.

Please read this Credit Guide carefully and contact us if you would like further information or clarification.

1. ABOUT CONSTRUCT HOME LOANS

Construct Home Loans is the trading name used by MJS Lender Connect.

Credit assistance is provided by:

Matthew John Stevens
Australian Credit Representative 523837

Trading as:

Construct Home Loans
2/3 Ledgar Road
Balcatta WA 6021

Mobile: 0400 974 336
Email: hi@constructhomeloans.com.au

Matthew Stevens is authorised to engage in credit activities as a Credit Representative of:

Australian Finance Group Ltd (AFG)
ACN 066 385 822
Australian Credit Licence 389087

AFG is our credit licensee and aggregator and shares responsibility for the credit assistance provided to you.

2. HOW WE CAN HELP

As a mortgage broker, we can assist you to understand and compare finance options available through the lenders we are accredited to deal with.

We aim to understand your goals, requirements and circumstances so that we can consider suitable loan options and assist you through the application process.

Our services may include:

  • understanding your finance requirements and objectives;
  • collecting information about your financial circumstances;
  • researching available home loan options;
  • presenting suitable loan options and recommendations;
  • preparing and lodging a loan application;
  • liaising with lenders while your application is assessed;
  • keeping you informed through the approval process; and
  • assisting through to settlement.

After settlement, we can also assist with future lending requirements where your circumstances or objectives change.

We do not provide tax, legal or accounting advice. Information we provide in those areas is general in nature, and you should obtain advice from appropriately qualified advisers where necessary.

3. OUR OBLIGATIONS TO YOU

As a mortgage broker, we have an obligation to act in your best interests when providing credit assistance.

Before recommending or assisting you with a loan, we will seek to understand your:

  • requirements and objectives;
  • financial circumstances; and
  • other relevant information.

We may also need to verify aspects of your financial position.

Our recommendations are intended to take your goals and circumstances into account.

Where we are unable to act because of a conflict of interest that cannot be appropriately managed, we may refer you to another provider.

4. LENDERS AND PRODUCTS

Through our relationship with Australian Finance Group Ltd (AFG), we have access to a broad panel of lenders and loan products.

AFG’s lender panel includes banks, non-bank lenders and specialist lenders.

A broker must be separately accredited with a lender before submitting an application to that lender. We are therefore not necessarily accredited with every lender available through the AFG panel.

Brokers are typically accredited with a number of lenders. Where appropriate, if we are not accredited with a particular lender, we may be able to refer you to another AFG broker who is accredited with that lender.

5. LENDERS WE HAVE USED

In the 12 months to 7 October 2026, loans have been settled with lenders including:

  • Bank Australia
  • P&N Bank
  • UBank
  • Firstmac
  • Funding
  • People First Bank
  • Commonwealth Bank
  • ANZ
  • Westpac
  • NAB
  • St.George Bank
  • Macquarie Bank
  • Bankwest
  • La Trobe Financial
  • HSBC
  • Liberty Financial
  • Pepper Money

This list may change over time and does not represent every lender we are able to consider.

6. OUR MOST COMMONLY USED LENDERS

The six lenders most commonly used by us in the preceding 12 months, based on loan applications lodged, were:

LenderPercentage of applications
Bankwest22.75%
ANZ11.07%
People First Bank10.80%
Westpac9.69%
Commonwealth Bank8.66%
NAB6.92%

These percentages are based on the total loans lodged over the preceding 12 months and therefore do not add to 100%, because applications were also lodged with lenders outside the six listed above.

7. AFG’S MOST COMMONLY USED LENDERS

The six lenders most commonly used by Australian Finance Group Ltd during the preceding 12 months were:

LenderPercentage of applications
Macquarie Bank13.54%
ANZ12.43%
Westpac12.07%
Commonwealth Bank10.72%
NAB8.13%
Bankwest6.05%

These figures relate to AFG as the licensee and do not necessarily reflect the lenders most commonly used by Construct Home Loans.

8. FEES PAYABLE BY YOU TO THIRD PARTIES

When a loan application is submitted, you may be required to pay fees charged by the lender or another third party.

These may include:

  • application fees;
  • valuation fees; and
  • other fees associated with the loan application process.

Some fees may be payable even if a loan application is ultimately unsuccessful.

The applicable lender or provider will disclose relevant fees to you.

9. FEES PAYABLE BY YOU TO US

If we charge you a fee for providing credit assistance, that fee will be disclosed to you in a Credit Quote before it becomes payable.

If a Credit Quote is not provided, this indicates that we do not charge you a fee for our credit assistance.

This is separate from any fees that may be charged by a lender or other third party.

10. HOW WE ARE PAID

We, AFG, or both, may receive fees, commissions or other financial benefits from lenders or lessors in connection with finance arranged for you.

These amounts are generally paid by the lender and are not payable by you.

The commission or brokerage received may depend on:

  • the amount of finance;
  • the lender;
  • the loan product; and
  • the amount of the loan ultimately drawn down.

Commissions are commonly calculated as a percentage of the loan balance drawn down and, in many cases, may be calculated net of funds held in an offset account.

The way commissions are calculated and paid varies between lenders.

You may ask us for a reasonable estimate of the commission we expect to receive and how it is calculated.

Matthew Stevens may receive all or part of the commission received by AFG in connection with your loan, either directly or indirectly through AFG.

11. REFERRAL PAYMENTS

We may receive referrals from a range of sources, including:

  • accountants;
  • financial planners;
  • real estate agents;
  • builders;
  • property-related businesses; and
  • other referral partners.

If you have been referred to us, we may pay the referrer a commission, fee or other benefit.

Details of any relevant referral commission or fee relating to your loan will be disclosed in the Credit Proposal Disclosure provided to you.

You can also ask us for a reasonable estimate of the amount and how it is calculated.

We may also pay referral fees to organisations such as call centres, real estate agents, accountants, lawyers or other parties.

These are not fees payable by you.

12. TIERED SERVICING ARRANGEMENTS

Through our relationships with lenders, we may have access to tiered servicing arrangements.

These may provide benefits such as:

  • faster processing;
  • improved access to information; or
  • increased assistance when progressing a loan application.

Where a relevant tiered service arrangement exists with a lender we recommend, we will disclose this to you.

Access to these arrangements is not based solely on the volume of new or existing lending our clients have with a lender and does not entitle us to additional commissions or preferential client discounts beyond those otherwise disclosed to you.

13. OTHER BENEFITS

We are subject to restrictions concerning gifts and inducements.

Benefits received by a broker above applicable thresholds may be recorded in a Gifts Register.

A copy of the relevant register may be available for inspection on request.

14. CREDIT REPORTS AND VALUATIONS

In some circumstances, lenders may provide access to services such as credit reports or property valuations at no charge.

Where a relevant benefit arises because of a recommendation made to you, it will be disclosed in your Credit Proposal Disclosure.

15. RELATED INTERESTS AND MULTIPLE ROLES

We may have relationships with related parties or associates, or may act in other business capacities connected with the credit assistance provided to you.

Where a relevant relationship, remuneration arrangement or possible conflict applies to a recommendation made to you, this will be disclosed in your Credit Proposal Disclosure.

If a conflict cannot be appropriately managed, we will refer you to another service provider where necessary.

16. AFG AND AFG HOME LOANS

AFG Home Loans Pty Ltd, including AFG Securities Pty Ltd, are wholly owned subsidiaries of Australian Finance Group Ltd.

AFG may receive additional remuneration where an AFG Home Loans white-label product or an AFG Securities securitised product is settled.

This remuneration is separate from remuneration AFG may receive as a mortgage broker aggregator and/or licensee.

Relevant remuneration will be disclosed in the applicable AFG Home Loan documentation.

17. THINGS YOU SHOULD KNOW

We do not make promises about:

  • the current value of a property;
  • whether a property will increase in value; or
  • the future prospects of a property you finance through us.

You should make your own enquiries and obtain appropriate property, legal, financial or other professional advice before entering into a transaction.

COMPLAINTS AND DISPUTE RESOLUTION

18. STEP 1 – CONTACT US

If you have a complaint about the service provided by Construct Home Loans, please contact Matthew Stevens first.

Many concerns can be resolved quickly through direct communication.

You can request a written response even if your complaint is resolved within the first five working days.

Matthew Stevens / Construct Home Loans
2/3 Ledgar Road
Balcatta WA 6021

Mobile: 0400 974 336
Email: hi@constructhomeloans.com.au

19. STEP 2 – AFG COMPLAINTS OFFICER

If the issue is not satisfactorily resolved by speaking with Matthew, the complaint can be escalated through AFG’s internal complaints process.

Complaints Manager
Australian Finance Group Ltd

Phone: (08) 9420 7888
Email: compliance@afgonline.com.au
Address: Level 11, 905 Hay Street, Perth WA 6000

The maximum timeframe for providing a written response is generally 30 days, although complaints may be resolved sooner.

20. STEP 3 – AUSTRALIAN FINANCIAL COMPLAINTS AUTHORITY

If you remain dissatisfied after the internal complaints process, you may be able to lodge a complaint with the Australian Financial Complaints Authority (AFCA).

AFCA provides an independent external dispute resolution service at no cost to consumers.

Australian Financial Complaints Authority

Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au

Postal address:
GPO Box 3
Melbourne VIC 3001

PRIVACY AND CREDIT INFORMATION

21. PRIVACY

When providing credit assistance, we may need to collect and use personal information, financial information and credit information.

Information may be used for purposes including:

  • arranging or providing credit;
  • providing credit assistance;
  • assessing or progressing finance applications;
  • verifying information provided by you;
  • communicating with lenders;
  • related services; and
  • marketing where you have provided the applicable consent.

Your personal information may be disclosed to parties involved in providing or arranging credit, including:

  • lenders and other credit providers;
  • financial consultants;
  • accountants;
  • lawyers and advisers;
  • credit reporting bodies;
  • identity-verification providers;
  • referees;
  • service providers and contractors;
  • regulators, courts and dispute resolution bodies; and
  • other parties authorised or required by law.

Some recipients or service providers may be located outside Australia.

Further information about how Construct Home Loans handles personal information is available in our Privacy Policy.

AFG’s privacy practices are also governed by AFG’s Privacy Policy.

22. CREDIT INFORMATION

Where authorised by you, we may obtain credit information from lenders or credit reporting bodies for the purpose of providing credit assistance.

Credit information may include matters such as:

  • identification information;
  • existing or previous credit accounts;
  • credit limits;
  • repayment history;
  • defaults and overdue payments;
  • court information;
  • hardship arrangements;
  • insolvency information;
  • serious credit infringements; and
  • other information relevant to your creditworthiness.

Where applicable, your authority to obtain and exchange credit information will be obtained through the appropriate privacy and credit consent documentation.

23. ELECTRONIC COMMUNICATION

Where you provide consent, credit assistance documentation and loan application information may be provided electronically.

You are responsible for regularly checking the electronic contact details you provide to us.

Consent to receive documents electronically may be withdrawn in accordance with the applicable consent terms.

24. CONTACT US

For questions about this Credit Guide or the credit assistance provided by Construct Home Loans, contact:

Construct Home Loans
Trading name of MJS Lender Connect

Matthew John Stevens
Australian Credit Representative 523837

2/3 Ledgar Road
Balcatta WA 6021

Mobile: 0400 974 336
Email: hi@constructhomeloans.com.au

Authorised Credit Representative of:

Australian Finance Group Ltd
ACN 066 385 822
Australian Credit Licence 389087