Last updated: 7 October 2026
These Terms & Conditions govern your use of the Construct Home Loans website and the information, advertising, tools, forms, calculators, examples and services made available by or through Construct Home Loans.
By accessing or using this website, you agree to these Terms & Conditions.
1. About Construct Home Loans
Construct Home Loans is a trading name of MJS Lender Connect.
MJS Lender Connect
ABN 18 646 959 051
Australian Credit Licence 389087
Business address:
2/3 Ledgar Road
Balcatta WA 6021
Phone: 0400 974 336
Email: hi@constructhomeloans.com.au
Construct Home Loans provides mortgage broking and credit assistance services, including assistance with:
- home loans;
- construction finance;
- first home buyer finance;
- refinancing;
- investment lending;
- use of equity;
- land and construction finance; and
- other residential lending requirements.
Construct Home Loans is not a lender.
Loan applications are assessed and approved or declined by the relevant lender.
2. General information only
Unless we have specifically considered your circumstances and provided personalised credit assistance, information made available through our:
- website;
- advertisements;
- social media;
- emails;
- calculators;
- examples;
- guides;
- landing pages; and
- other marketing materials
is general information only.
General information does not take into account your individual financial circumstances, requirements, objectives or needs.
Information provided through our website or advertising should not be treated as:
- an offer of credit;
- a loan approval;
- personal financial advice;
- legal advice;
- taxation advice;
- accounting advice; or
- a guarantee that a particular loan, property or government scheme will be available or suitable for you.
You should consider your own circumstances and obtain appropriate professional advice where required before making financial or property decisions.
3. Credit assistance
If you ask Construct Home Loans to assist you with finance, we may collect information about your requirements, objectives and financial situation so that we can provide credit assistance.
The credit assistance process may include:
- understanding your finance requirements;
- collecting and verifying relevant financial information;
- assessing your borrowing position;
- considering lending products available through lenders we deal with;
- discussing loan options with you;
- assisting you to select a credit product;
- preparing and submitting a finance application with your authority; and
- liaising with lenders and other relevant parties during the application and settlement process.
Further information about our credit assistance services, remuneration and complaints process is contained in our Credit Guide.
4. No guarantee of finance
Using this website, viewing an advertisement, submitting an enquiry, completing an eligibility form, speaking with Construct Home Loans or receiving an initial indication of borrowing capacity does not guarantee that finance will be approved or available.
All lending applications are subject to matters including:
- lender eligibility requirements;
- lender credit assessment;
- borrowing capacity;
- income and expense verification;
- credit history;
- deposit or equity requirements;
- property valuation;
- property type;
- applicable loan-to-value ratio requirements;
- lender policy;
- responsible lending obligations;
- lender terms and conditions; and
- final lender approval.
Lenders may change their lending criteria, products, interest rates, fees, policies and assessment methodologies at any time.
Construct Home Loans does not control a lender’s approval process and cannot guarantee the outcome, amount, conditions or timing of an application.
5. Borrowing capacity and indicative eligibility
Any indication of:
- how much you may be able to borrow;
- what purchase price may be achievable;
- whether you may qualify for a lending product;
- whether you may meet eligibility criteria;
- what deposit you may require; or
- what repayments may be
is indicative only unless and until the relevant lender has completed its assessment.
Borrowing capacity can vary significantly between lenders and depends on individual circumstances.
Factors may include:
- income;
- employment;
- expenses;
- dependants;
- existing debts;
- credit limits;
- credit history;
- deposit;
- available equity;
- property type;
- location;
- interest rates;
- lender servicing buffers; and
- lender-specific policies.
An indication provided by Construct Home Loans does not constitute lender approval or a commitment to lend.
6. Illustrative examples
Our website, advertising and marketing materials may contain illustrative examples designed to explain how a lending scenario, government scheme or property purchase may work.
These examples may refer to matters including:
- household income;
- property price;
- deposit;
- government contribution;
- estimated loan amount;
- borrowing capacity;
- estimated repayments; or
- house and land packages.
Unless expressly stated otherwise, illustrative examples are hypothetical and are not representations that a person with the same income, deposit or circumstances will achieve the same outcome.
For example, an advertisement may illustrate how a particular property price could potentially be achieved by a household with a stated income.
Whether that outcome is actually available will depend on the applicant’s full circumstances, including:
- income;
- expenses;
- liabilities;
- dependants;
- deposit;
- credit history;
- employment;
- lender requirements;
- property;
- loan structure;
- applicable government scheme eligibility; and
- lending conditions at the relevant time.
Illustrative figures should not be relied upon as personalised borrowing advice or a guarantee of eligibility or approval.
7. Australian Government Help to Buy Scheme
Our website and advertising may contain information about the Australian Government Help to Buy Scheme.
Help to Buy is an Australian Government shared equity scheme under which eligible home buyers may receive a contribution from the Australian Government towards the purchase price of an eligible home.
Eligibility criteria, property price caps, income thresholds, deposit requirements, participating lender requirements, government contribution limits and other scheme conditions apply.
Scheme requirements and thresholds may change from time to time.
Any statement by Construct Home Loans that you may qualify, may be eligible, or may be able to purchase a particular property using Help to Buy is an initial indication only.
Final eligibility is not determined by Construct Home Loans.
Eligibility and participation are subject to the applicable Help to Buy requirements and assessment through a participating lender and relevant scheme processes.
Construct Home Loans does not:
- administer the Help to Buy Scheme;
- set its eligibility requirements;
- control the availability of places;
- determine government contribution amounts;
- determine property price caps; or
- guarantee that an applicant will be accepted into the Scheme.
You should not enter into a property contract or make a financial commitment solely on the basis of preliminary Help to Buy information or an advertising example.
Current scheme information should be checked against official Australian Government information and confirmed as part of your finance assessment.
8. Government schemes, grants and assistance
In addition to Help to Buy, we may provide information about:
- first home buyer programs;
- grants;
- guarantees;
- shared equity arrangements;
- stamp duty concessions;
- government incentives; or
- other home ownership assistance programs.
Eligibility for government assistance is determined under the rules of the relevant program.
Programs may have:
- income thresholds;
- property price caps;
- citizenship or residency requirements;
- property ownership restrictions;
- occupancy requirements;
- deposit requirements;
- limited availability;
- lender requirements; and
- other eligibility conditions.
Government schemes may be introduced, amended, suspended, closed or withdrawn.
Information about a government scheme provided by Construct Home Loans is general information and should be confirmed against current official requirements before you rely on it.
9. House and land packages and property examples
Our website and advertising may refer to:
- houses;
- land;
- house and land packages;
- builders;
- developments;
- estates; or
- indicative property opportunities.
Unless specifically stated otherwise, Construct Home Loans is providing finance-related information and is not selling the property itself.
Property and package information may be supplied by builders, developers, selling agents or other third parties.
Prices, availability, inclusions, building costs, land prices and package configurations may change without notice.
A property example appearing in an advertisement does not mean that:
- the property remains available;
- you are eligible to purchase it;
- you can borrow the required amount;
- the advertised finance structure is available to you; or
- a lender will approve finance for that property.
You should obtain and review the relevant property, building and contractual information directly from the responsible property or building provider before entering into any agreement.
10. Property prices and additional purchase costs
Where a property price or house and land package price is shown, additional costs may apply unless expressly stated otherwise.
These may include, depending on the transaction:
- stamp duty;
- conveyancing and settlement costs;
- lender fees;
- valuation fees;
- government charges;
- building variations;
- site costs;
- upgrades;
- landscaping;
- fencing;
- connection costs; and
- other expenses associated with the purchase, construction or ownership of a property.
The applicable costs depend on the specific property, finance arrangement and individual circumstances.
11. Calculators, repayment estimates and financial estimates
Where our website or advertising provides:
- repayment estimates;
- borrowing estimates;
- affordability estimates;
- savings estimates;
- deposit estimates; or
- other financial calculations,
these are indicative only.
Results may be based on assumptions and may not take into account:
- your complete financial circumstances;
- actual lender interest rates;
- comparison rates;
- lender fees;
- government charges;
- loan term;
- loan type;
- interest rate changes;
- lender servicing methodologies;
- credit history;
- property valuation;
- lender policy; or
- other relevant factors.
Actual outcomes may be materially different.
A calculator or financial estimate is not an offer of credit, loan approval or guarantee of borrowing capacity.
12. Advertising and marketing information
Construct Home Loans may advertise through platforms including:
- Facebook;
- Instagram;
- Google;
- other digital advertising platforms;
- social media;
- email;
- SMS; and
- third-party websites.
Advertising may be designed to encourage consumers to investigate whether a finance product, property opportunity or government program could be relevant to them.
Statements such as:
- “you may be eligible”;
- “you may qualify”;
- “you may be able to buy”;
- “this could reduce the amount you need to borrow”;
- “this may reduce the deposit required”;
- “you may be surprised by what is possible”; or
- similar statements
are not guarantees of eligibility or finance approval.
Advertisements may also include illustrative scenarios based on specified assumptions.
Any qualification or disclaimer contained in an advertisement forms part of that advertisement and should be read together with the main advertising message.
More detailed information on our website does not replace the need to consider qualifications provided in the relevant advertisement itself.
13. Accuracy and currency of information
We take reasonable steps to keep the information we publish accurate and current.
However, lending criteria, government schemes, property information, lender products and other relevant information may change.
To the extent permitted by law, we do not warrant that all website or advertising information will at all times be:
- complete;
- current;
- error-free;
- applicable to your circumstances; or
- continuously available.
Information that is material to a financial or property decision should be confirmed before you rely upon it.
14. Information you provide
When using our website or services, you agree to provide information that is accurate, complete and not misleading.
This includes information provided through:
- website forms;
- finance questionnaires;
- eligibility forms;
- telephone conversations;
- emails;
- supporting documents; and
- loan applications.
If your circumstances change while we are assisting you, you should notify us as soon as reasonably possible.
The accuracy of our assessment and the assistance we provide depends on the accuracy and completeness of the information supplied to us.
15. Website enquiries and electronic communications
Submitting a website form, responding to an advertisement or sending us an enquiry does not create a loan agreement or guarantee that finance can be arranged.
By providing your contact details, you authorise us to contact you in connection with your enquiry.
Depending on your preferences and applicable law, communication may occur by:
- telephone;
- email;
- SMS; or
- other electronic communication.
Our handling of personal information is governed by our Privacy Policy.
16. Third-party lenders and service providers
Construct Home Loans may deal with banks, non-bank lenders, financial institutions and other service providers when assisting you.
Those organisations operate independently and may have their own:
- eligibility requirements;
- lending policies;
- terms and conditions;
- fees;
- privacy policies; and
- assessment procedures.
Discussion or presentation of a particular lender does not mean every product offered by that lender is available or appropriate for you.
17. Third-party websites and links
Our website may contain links to websites operated by:
- lenders;
- government agencies;
- builders;
- developers;
- property providers; and
- other third parties.
Links are provided for convenience and information.
We do not control third-party websites and are not responsible for their:
- content;
- availability;
- accuracy;
- security;
- privacy practices; or
- terms of use.
The presence of a link does not necessarily constitute an endorsement of the third party or its products or services.
18. Intellectual property
Unless otherwise stated, content on this website, including:
- text;
- graphics;
- branding;
- logos;
- photographs;
- videos;
- layouts;
- designs;
- downloadable materials; and
- other website content
is owned by or licensed to MJS Lender Connect and is protected by applicable intellectual property laws.
You may use website material for personal and non-commercial purposes.
You must not reproduce, modify, distribute, republish, sell or commercially exploit website content without prior written permission, except where permitted by law.
Third-party trademarks and materials remain the property of their respective owners.
19. Acceptable use
You must not use this website:
- for unlawful or fraudulent purposes;
- to provide false or misleading information;
- to interfere with the website’s operation or security;
- to gain unauthorised access to our systems;
- to introduce malicious software;
- to systematically scrape or extract data without permission; or
- in a way that infringes another person’s rights.
20. Website availability
We may change, suspend, withdraw or restrict access to some or all of this website without notice.
We do not guarantee that the website will always be available, uninterrupted or free from technical errors.
21. Limitation of liability
Nothing in these Terms & Conditions excludes, restricts or modifies any guarantee, right or remedy that cannot lawfully be excluded under the Australian Consumer Law, credit legislation or other applicable law.
Subject to those rights and to the maximum extent permitted by law, MJS Lender Connect is not responsible for loss arising solely from reliance on general or illustrative website or advertising information where that information has not been provided as personalised credit assistance.
We are not responsible for the independent decisions or actions of:
- lenders;
- government agencies;
- builders;
- developers;
- valuers;
- property providers; or
- other third-party service providers.
Nothing in these Terms limits liability where it cannot lawfully be limited or excluded.
22. Privacy
Our collection, use, storage and disclosure of personal information is governed by our Privacy Policy.
The Privacy Policy also explains our use of customer-management systems, analytics, advertising technologies, cookies and other service providers.
23. Credit Guide
MJS Lender Connect provides credit assistance under Australian Credit Licence 389087.
Our Credit Guide contains important information about:
- who we are;
- the credit assistance we provide;
- lenders we deal with;
- fees and charges;
- commissions and remuneration;
- our obligations when providing credit assistance; and
- complaints and dispute resolution.
You should review our Credit Guide when engaging us for credit assistance.
24. Complaints
If you have a complaint regarding our services, please contact us so that we can investigate the matter.
Construct Home Loans / MJS Lender Connect
2/3 Ledgar Road
Balcatta WA 6021
Phone: 0400 974 336
Email: hi@constructhomeloans.com.au
Further information about our complaints process and external dispute resolution arrangements is contained in our Credit Guide.
25. Changes to these Terms
We may amend these Terms & Conditions from time to time to reflect changes to:
- our services;
- our website;
- lending or property information;
- government schemes;
- regulatory requirements; or
- our business practices.
The current version will be published on our website together with the most recent update date.
26. Governing law
These Terms & Conditions are governed by the laws of Western Australia, Australia.
You submit to the jurisdiction of the courts of Western Australia and any courts entitled to hear appeals from those courts.
27. Contact us
For questions about these Terms & Conditions, contact:
Construct Home Loans
A trading name of MJS Lender Connect
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