Terms and Conditions

The HomeLoanReport website ("Website") and any reports available from the website or otherwise via the service and their contents (collectively the "Service") is owned and operated by NOVII Pty Ltd ("NOVII").

NOVII Pty Ltd Australian Credit Licence number 464825.

By accessing or using the Service, you agree to accept and comply with these terms and conditions (“Terms and Conditions”).

NOVII reserves the right to amend these Terms and Conditions by placing a revised version of the Terms and Conditions on its Website. Please check this document regularly.

The Service is intended for Australian residents aged 18 years and over only. Residents from other countries should not use the Service.

A Guide Only

All information as contained within or made available through the Service including any report is general information to be used as a guide only. It is not to be treated as financial, taxation, investment or accounting advice. You acknowledge that the information may not be applicable to your personal circumstances and rely on the information at your own risk.

NOVII strongly recommends that you arrange an appointment with a home loan professional after you use the Service to explore your options, and seek professional advice where necessary before acting on any information via the Service.

Other providers

Neither HomeLoanReport nor NOVII is a credit provider. If you decide to apply for a credit product, you will not deal with HomeLoanReport or NOVII. You should confirm rates and product information independently.

The Service may involve providing you with contact details and information relating to, or otherwise facilitating connections with mortgage brokers, financial institutions, other credit providers, other providers of financial services and/or their representatives, officers or employees (“Others”). The Others are not authorised by or representatives of HomeLoanReport or NOVII. You will deal with the Others directly (including in relation to obtaining any advice or service). Neither HomeLoanReport nor NOVII is responsible or liable for any advice, service, activity, conduct, representation, act or omission of or provided by any Other. Neither HomeLoanReport nor NOVII makes any representation or warranty in connection with any Other.

The service providers that subscribe to HomeLoanReport are professionals with expertise and experience in their respective industry however no guarantee or promise is given that the person will be currently licensed or registered as a broker or home loan professional. We advise that NOVII may receive a fee for providing your information to service providers. Any personal information will not be provided to those professionals without your prior consent. Please refer to our Privacy Policy for further information on how we treat your personal information.

Disclaimer and liability

The Service and any report is provided on an “as is” basis. While NOVII has used reasonable endeavours to ensure that the information contained on and accessed through the Service is correct and current at the time of publication, NOVII does not accept responsibility for any error, omission or defect in the information.

To the maximum extent permissible by law, NOVII, its affiliated companies and their respective directors, employees, agents and contractors:

  1. do not make any representation, warranty or endorsement of any kind, express or implied, as to the operation of the Service, your access to the Service or results of your access, or the information, content or materials available via the Service; and
  2. do not warrant that the functions offered via the Service will be uninterrupted or error-free, that any defects will be corrected, or that the server which stores and transmits content to you is free of viruses or other harmful components.

Subject to any non-excludable liability for breach of conditions or warranties implied by legislation and to the maximum extent permitted by law, under no circumstances (including but not limited to any act or omission on the part of NOVII, its affiliated companies, or their respective directors, employees, agents and contractors) will NOVII, its affiliated companies or their respective directors, employees, agents or contractors accept liability for any direct, indirect, incidental, special and/or consequential damages or loss of profits resulting from any use or access, or any inability to use or access the Service, or arising out of or in connection with your use of the Service. NOVII's liability for breach of any implied warranty or condition which cannot be excluded, to the extent NOVII is able to do so, is limited at the option of NOVII to the supply of the services again or the payment of the cost of having the services supplied again.


You agree to indemnify and keep indemnified NOVII, its affiliated companies and their respective officers, employees, agents and contractors (“those indemnified”) in respect of any claim, liability, loss, damage, cost (including legal cost) or expense which those indemnified may suffer or incur as a direct or indirect result of your wilful or negligent act or omission with respect to the your use of the Service (or any part of it) or the violation of these Terms and Conditions by you.

Intellectual Property and Use

The Service and all related content and material is subject to copyright under Australian law and, under international treaties, and the laws of other countries. The Service may contain trademarks, intellectual property and copyright protected works which is owned by NOVII, and third parties.

You may view, access or interact with the Service for your own personal use or as otherwise indicated via the Service or these Terms and Conditions only. You must not otherwise copy, communicate to the public, modify, transfer, distribute or store any of the contents of the Service, or incorporate any part of the Service into another web site without NOVII's prior express consent.

You must not use the Service in any manner which is unlawful or which violates any right of NOVII or other users.

Termination and Cancellation

NOVII reserves the right in its sole discretion to revise the content of, amend links from, or withdraw access to the Service, at any time without notice. Without limiting the operation of any other Terms and Conditions herein, NOVII will not be held liable for loss or damage arising from the exercising of these rights. Any indemnities given by you and limitations on NOVII's liability will survive such termination.

Applicable law

The Terms and Conditions are governed by and to be construed in accordance with the laws of New South Wales, Australia. You irrevocably and unconditionally agree to submit to the exclusive jurisdiction of the courts of New South Wales, Australia. In the event that any provision of the Terms and Conditions is held to be invalid, illegal or unenforceable, that provision must to the extent of the invalidity, illegality or unenforceability be ignored and all the other provisions of the Terms and Conditions will remain in full force and effect.