First State Home Loans

Effective Date: 1st December 2025

1. Introduction

First State Home Loans (“we”, “our”, “us”) is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy outlines how we collect, use, disclose, store, and protect your personal information.

By using our website or engaging our services, you consent to the practices described in this policy.

2. What Personal Information We Collect

We may collect personal information including:

• Full name
• Date of birth
• Residential address
• Phone number
• Email address
• Employment details
• Financial information (income, expenses, assets, liabilities)
• Identification documents
• Credit history information
• Banking details
• Information submitted via online forms

We only collect information that is reasonably necessary to provide our mortgage broking services.

3. How We Collect Your Information

We collect personal information through:

• Online enquiry forms
• Loan application forms
• Phone conversations
• Email correspondence
  Meetings (in person or virtual)
• Third parties (e.g.,
• lenders, credit reporting bodies, referrers)
• Cookies and website analytics tools

4. Why We Collect Your Information

We collect and use your information to:

• Assess your eligibility for loan products
• Provide mortgage broking services
• Submit loan applications to lenders
• Verify your identity
• Respond to enquiries
• Comply with legal and regulatory requirements
• Improve our website and services

Without certain personal information, we may not be able to provide our services to you.

5. Disclosure of Personal Information

We may disclose your personal information to:

• Banks and financial institutions
• Credit reporting bodies
• Aggregators and loan processing partners
• Legal and compliance advisers
• Government authorities where required by law
• IT and data storage providers

We do not sell or rent your personal information to third parties.

6. Credit Information

When providing credit assistance, we may collect and disclose credit-related information to credit reporting bodies and lenders in accordance with the Privacy Act.

You have the right to request access to credit reporting information held about you.

7. Data Security

We take reasonable steps to protect your personal information from:

• Misuse
• Interference
• Loss
• Unauthorised access
• Modification or disclosure

Security measures include secure servers, encryption, password protection, and restricted internal access.

8. Cookies & Website Analytics

Our website may use cookies and analytics tools to:

• Improve user experience
• Track website performance
• Analyse visitor behaviour

You can disable cookies through your browser settings.

9. Access & Correction

You may request access to or correction of your personal information at any time.

To make a request, contact us using the details below.

10. Complaints

If you believe we have breached your privacy rights, please contact us in writing.

We will investigate and respond within a reasonable timeframe. If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).

11. Contact Us

First State Home Loans

Email: contact@firststatehomeloans.com.au

Phone: 0437 737 544

Address: Po Box 200, Oatley NSW 2223