Financial Services Guide & Credit Guide (FSGC)
Date of issue: 28 October 2025
YourMortgage.com.au is operated by Savings.com.au Pty Ltd ("Savings.com.au", "our", "us" or "we").
The financial and credit services referred to in this FSGC are offered by Savings.com.au Pty Ltd, ABN 25 161 358 363.
Savings.com.au is an authorised and credit representative of InfoChoice Pty Ltd ABN 061105 735, of Level 40, 123 Eagle Street, Brisbane Qld 4000 who holds Australian Financial Services Licence and Australian Credit Licence 349445. Savings.com.au Authorised Representative number is 1318092 and Credit Representative number 514874.
This document incorporates our Financial Services Guide (FSG) and Credit Guide (CG) and is a key document to help you to decide whether to obtain any of the products or services provided by Savings.com.au and InfoChoice. It provides important information about:
- Our Licensing & Authorisations
- The products and/or services we may offer
- Relationships
- How we generate revenue
- Compensation Arrangements
- Our dispute resolution processes
- How to contact us
The distribution of this Guide has been authorised by InfoChoice.
Our Licensing & Authorisations
Savings.com.au is a digital publisher whose primary purpose is to help everyday Australians save money.
Savings.com.au operates as an authorised and credit representative of InfoChoice Pty Ltd who holds Australian Financial Services Licence and Australian Credit Licence 349445. Savings.com.au Authorised Representative number is 1318092 and Credit Representative number 514874.
Under the Corporations Act, Savings.com.au may provide general financial product advice to you even though it does not deal directly with you. Savings.com.au content may be distributed to you through its website and other digital channels such as social media, and where consent is held or obtained, email.
General advice provided by Savings.com.au does not constitute personal advice as it does not take into account your financial situation, needs and objectives.
Relationships
Savings.com.au Pty Ltd ACN 161 358 363 is the parent company for InfoChoice. Due to common ownership, InfoChoice, YourMortgage.com.au, loans.com.au and Firstmac Limited ACN 094 145 963 are all associate entities and as such, part of the Firstmac Group.
The separation of editorial content and commercial interests in the context of the broader group is paramount for YourMortgage.com.au. This means that it takes proactive steps to manage group commercial influence over the YourMortgage.com.au operation. This can be read about further in our published Conflicts of Interest declaration on the Savings.com.au website.
Additionally, products provided by the Firstmac Group shall be assessed using the same journalistic methods as those of any other product provider and, like any other third party, shall only be included within YourMortgage.com.au editorial content where those products are judged by the non-commercial YourMortgage.com.au teams as good savings options for the audience.
YourMortgage.com.au and its directors, officers and/or representatives do not have any relationships that would influence the advice it provides.
How we generate revenue
Savings.com.au may receive fees in relation to the following:
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Fees for referrals from a product or product provider table on the YourMortgage.com.au website and other digital properties including but not limited to social media and email. The fees can be calculated via a number of different methods including by number of referral clicks, number of leads created from supplied referral clicks, number of applications (both preliminary and approved) and fixed sponsorship fees
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Advertising placements on YourMortgage.com.au’s website: YourMortgage.com.au may receive a fee from the advertiser for display of an advertisement on the YourMortgage.com.au website and/or other digital entities including but not limited to social media and email
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Promoted/Sponsored content placements on YourMortgage.com.au’s website: YourMortgage.com.au may receive a fee from the advertiser for display of promoted/sponsored content on the YourMortgage.com.au website and/or other digital entities including but not limited to social media and email.
How are YourMortgage.com.au Staff remunerated?
Our staff are paid a salary and may receive bonuses, which may be based on several factors including performance, customer service and quality assurance scores.
Compensation Arrangements
InfoChoice and Firstmac Limited hold a professional indemnity insurance which satisfies the requirements for compensation arrangements under section 912B of the Corporations Act. Subject to its terms and conditions, the policy provides cover for civil liability resulting from third party claims concerning the professional services provided by Firstmac Limited and its employees and authorised representatives, including where that employee or authorised representative has subsequently left Firstmac Limited.
What to do if you have a complaint about us
Should you wish to lodge a complaint about YourMortgage.com.au or our services, please notify us in writing at our Contact us address, by email to complaints@savings.com.au addressed to the Complaints Officer or by calling YourMortgage.com.au on 07 3017 8813.
Our policy is to immediately seek to resolve and acknowledge receipt of complaints. We will then investigate the complaint and decide what action (if any) to take. Our decision will be communicated to you within 30 days.
If you are not satisfied with how your complaint has been resolved you may contact the external dispute resolution scheme, the Australian Financial Complaints Authority (AFCA), details below.
Australian Financial Complaints Authority
GPO Box 3
Melbourne, VIC 3001
Phone 1800 931 678
Website: www.afca.org.au
Email: info@afca.org.au
How to contact us
If you have any questions or would like more information about this FSG and CG, you can contact us as follows
Email: enquiries@savings.com.au
Visit: www.savings.com.au
Since 1995 we've been helping Australians learn about home ownership, compare home loans and get help from home loan specialists to find the right home loan for them.
© 2025 YourMortgage.com.au
The entire market was not considered in selecting the above products. Rather, a cut-down portion of the market has been considered. Some providers' products may not be available in all states. To be considered, the product and rate must be clearly published on the product provider's web site. YourMortgage.com.au, InfoChoice.com.au, Savings.com.au and YourInvestmentPropertyMag.com.au are part of the InfoChoice Group. The InfoChoice Group are wholly owned by KCBL Pty Ltd who are part of the Firstmac Group. Read about how InfoChoice Group manages potential conflicts of interest, along with how we get paid.
YourMortgage.com.au is operated by Savings.com.au Pty Ltd. Savings.com.au Pty Ltd ABN 25 161 358 363, Authorised Representative 1318092 and Credit Representative 514874, is an authorised and credit representative of InfoChoice Pty Ltd ABN 93 061 105 735.YourMortgage.com.au is a general information provider and in giving you general product information, YourMortgage.com.au is not making any suggestion or recommendation about any particular product and all market products may not be considered. If you decide to apply for a credit product listed on YourMortgage.com.au, you will deal directly with a credit provider, and not with YourMortgage.com.au. Rates and product information should be confirmed with the relevant credit provider. For more information, read YourMortgage.com.au's Financial Services and Credit Guide (FSCG). The information provided constitutes information which is general in nature and has not taken into account any of your personal objectives, financial situation, or needs. YourMortgage.com.au may receive a fee for products displayed.
Explore the InfoChoice Group network: Savings.com.au • InfoChoice • Your Investment Property