Last updated: 7 October 2026
Construct Home Loans respects your privacy. This Privacy Policy explains how we collect, use, store and disclose personal information when you visit our website, contact us or ask us to assist you with home loan or finance services.
Construct Home Loans is a trading name of MJS Lender Connect. Matthew Stevens (Australian Credit Representative 523837) is authorised to provide credit assistance under Australian Credit Licence 389087, held by Australian Finance Group Ltd (AFG).
MJS Lender Connect
ABN 18 646 959 051
Australian Credit Licence 389087
2/3 Ledgar Road
Balcatta WA 6021
In this Privacy Policy, Construct Home Loans, we, us and our refer to MJS Lender Connect trading as Construct Home Loans.
What information we collect
When you make an enquiry, we may collect information including your:
- name;
- phone number;
- email address;
- residential address;
- information about the finance or property service you are interested in;
- preferred contact method;
- timeframe or stage in the buying, building, refinancing or investment process; and
- other information you choose to provide.
We may also maintain records of telephone calls, emails, SMS messages, website enquiries and other communications with you.
If you ask us to assist with finance, we may need more detailed information about you and any co-applicant.
Depending on your circumstances, this may include:
- identification and date of birth;
- employment and income information;
- living expenses;
- assets and liabilities;
- existing loans;
- credit history;
- property ownership;
- deposit or available equity;
- information about a property, land purchase, construction project or investment; and
- supporting documentation such as identification documents, payslips, bank statements, loan statements or contracts.
We will explain what information is required at the relevant stage of the finance process.
When you use our website or interact with our digital advertising, we may also collect technical and usage information such as:
- IP address;
- device and browser information;
- pages visited;
- website interactions;
- referring website;
- advertising campaign information; and
- information collected through cookies, pixels, tags and similar technologies.
How we collect information
We usually collect personal information directly from you through:
- website forms;
- telephone calls;
- SMS;
- email;
- meetings;
- finance enquiries and applications; and
- documents or information you provide to us.
We may also receive your contact details from a builder, referral partner or other person where you have requested or agreed to be introduced to us.
Information may also be received from a co-applicant, authorised representative, lender or other party involved in your finance application.
With your authority, and where relevant to the finance service you request, we may obtain or verify information with:
- lenders;
- your existing lender;
- employers;
- accountants;
- property professionals;
- identity verification providers; and
- other appropriate parties involved in the finance process.
A lender may obtain credit reporting information in connection with a loan application under its own privacy and credit reporting arrangements.
Submitting an enquiry through our website does not itself constitute a loan application or authorise a credit check.
Why we use your information
We may use personal information to:
- respond to your enquiry;
- contact you about the service you requested;
- understand your circumstances and finance requirements;
- discuss home loan, construction finance, refinancing, equity and investment lending options;
- compare relevant lender products;
- prepare and submit finance applications with your authority;
- communicate with lenders and other parties involved in your application;
- manage your enquiry or application;
- maintain customer and communication records;
- provide customer service and follow-up;
- improve our internal processes;
- measure and improve our website and advertising;
- understand which advertising, campaigns and website content generate enquiries;
- provide relevant marketing communications where permitted by law;
- protect our systems and prevent misuse; and
- comply with legal, regulatory, licensing and dispute resolution obligations.
Systems and service providers we use
We use third-party technology platforms to operate our business, manage enquiries, communicate with customers, process finance enquiries, analyse website activity and manage advertising.
These may include:
Pipedrive
We may use Pipedrive as a customer relationship management system to manage:
- customer and prospect records;
- enquiries;
- communication history;
- sales and finance pipelines;
- follow-up activity; and
- internal workflow.
GoHighLevel
We may use GoHighLevel for functions including:
- customer relationship management;
- website forms;
- enquiry management;
- email and SMS communication;
- marketing automation; and
- follow-up workflows.
BrokerEngine
We may use BrokerEngine to assist with mortgage broking and loan-processing functions, which may include:
- customer information;
- finance applications;
- loan-processing workflows;
- documents;
- lender-related information; and
- finance administration.
Meta
We may use Meta platforms and advertising technologies, including Facebook and Instagram, to:
- advertise our services;
- measure advertising performance;
- understand interactions with our advertisements and website;
- create or manage advertising audiences; and
- improve our marketing.
Information collected through Meta technologies is also handled in accordance with Meta’s own privacy practices.
Google Ads
We may use Google Ads to:
- advertise our services;
- measure advertising performance;
- understand which advertisements generate website visits or enquiries;
- manage remarketing or advertising audiences where applicable; and
- improve campaign performance.
Google Analytics 4
We may use Google Analytics 4 to understand how visitors use our website, including:
- website traffic;
- page visits;
- visitor behaviour;
- website performance;
- traffic sources; and
- marketing attribution.
The information processed through these systems will depend on how you interact with us and the services you request.
We may also use other technology, hosting, communication, document-management and service providers where reasonably necessary to operate our business.
Our service providers may update their systems, infrastructure and processing arrangements from time to time.
Cookies, analytics and advertising technologies
Our website may use cookies, pixels, tags and similar technologies.
These technologies may be used to:
- operate and secure the website;
- remember website preferences;
- understand how visitors use the website;
- measure website and advertising performance;
- determine how visitors reached our website;
- attribute enquiries to advertising campaigns;
- improve website content and user experience; and
- deliver or measure relevant advertising.
This may include technologies provided by Google and Meta.
Depending on your browser and device settings, you may be able to block or delete cookies.
Blocking cookies may affect some website functionality and may not prevent all forms of advertising measurement or tracking.
Who we share information with
We only disclose personal information where reasonably required for the purposes described in this Privacy Policy or where otherwise authorised or required by law.
Recipients may include:
- our employees, contractors and authorised representatives;
- Australian Finance Group Ltd (AFG), our credit licensee and aggregator, as well as lenders, service providers and other parties involved in providing credit assistance and processing finance applications.
- lenders and financial institutions;
- lender service providers;
- mortgage broking and loan-processing platforms;
- identity and document verification providers;
- CRM and customer-management providers;
- technology and cloud service providers;
- website and hosting providers;
- email, SMS and communication providers;
- advertising and analytics providers;
- professional advisers;
- builders, property professionals and referral partners where appropriate and authorised;
- regulators and dispute resolution bodies; and
- other parties where disclosure is authorised or required by law.
If another business referred you to us and you agreed to that referral, we may confirm that we received your enquiry.
We will not ordinarily provide detailed financial information to the referring business without your authority unless another legal basis permits or requires us to do so.
We do not sell personal information to third parties for their own direct marketing purposes.
Overseas handling of information
Some of the technology and service providers we use operate internationally or use infrastructure that may be located outside Australia.
As a result, personal information may in some circumstances be:
- stored outside Australia;
- processed outside Australia; or
- accessed by authorised personnel or service providers located outside Australia.
This may occur in connection with services such as:
- customer relationship management;
- mortgage broking and loan-processing software;
- cloud hosting;
- document storage;
- communications;
- website analytics; and
- digital advertising.
The exact location in which information is stored or processed may depend on the provider, the service being used and the provider’s infrastructure or account configuration.
We do not currently represent that all personal information is stored exclusively within Australia.
Where Australian privacy laws apply to an overseas disclosure, we take reasonable steps as required by law in relation to the handling of that information.
Marketing communications
Where permitted by law, we may contact you about:
- finance services;
- home loan options;
- refinancing;
- construction finance;
- property-related information; or
- other services that may be relevant to your enquiry.
Marketing communications may be sent by:
- email;
- SMS;
- telephone; or
- other electronic means.
You may ask us to stop sending marketing communications at any time by:
- using an unsubscribe facility where provided; or
- contacting us directly.
Opting out of marketing does not prevent us from sending communications that are reasonably necessary to respond to your enquiry or manage a service or finance application you have requested.
How we protect your information
We take reasonable steps to protect personal information from:
- misuse;
- interference;
- loss;
- unauthorised access;
- modification; and
- unauthorised disclosure.
These measures may include:
- limiting access to information based on business requirements;
- password protection;
- access-controlled systems;
- using reputable technology and service providers;
- appropriate technical and organisational safeguards; and
- limiting access to personal information to people who require it to perform their work.
However, no electronic system or method of data transmission can be guaranteed to be completely secure.
How long we keep information
We retain personal information for as long as reasonably required for:
- the purposes for which it was collected;
- providing our services;
- managing customer and finance records; and
- meeting applicable legal, licensing, regulatory and recordkeeping obligations.
When personal information is no longer required, we take reasonable steps to delete or de-identify it, unless we are required to retain it by law.
Accessing or correcting your information
You may request access to the personal information we hold about you.
You may also ask us to correct information that is:
- inaccurate;
- out of date;
- incomplete;
- irrelevant; or
- misleading.
We may need to verify your identity before providing access or making a correction.
In some circumstances, applicable law may allow us to refuse access or correction.
Where required, we will explain our reasons for doing so.
Privacy questions and complaints
If you have a question, request or complaint regarding how we handle your personal information, please contact:
Construct Home Loans
A trading name of MJS Lender Connect
ABN 18 646 959 051
Australian Credit Licence 389087
2/3 Ledgar Road
Balcatta WA 6021
Phone: 0400 974 336
Email: hi@constructhomeloans.com.au
Please provide sufficient information for us to understand your concern and how you would like it resolved.
We will investigate privacy complaints and respond within a reasonable period.
If additional time is required, we will keep you informed.
If you are dissatisfied with our response, you may be entitled to contact:
- the Australian Financial Complaints Authority (AFCA) in relation to a financial services complaint; or
- the Office of the Australian Information Commissioner (OAIC) in relation to a privacy complaint.
Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to:
- our services;
- technology providers;
- business processes;
- information-handling practices; or
- legal and regulatory requirements.
The current version of this Privacy Policy will be published on our website together with its most recent update date.