Terms & Conditions
Last updated 1st October 2026
Last updated 1st October 2026
These terms apply to your use of www.meliorafg.com.au (the “website”), operated by Meliora Financial Group Pty Ltd ABN 92 670 736 517 (“Meliora”, “we”, “us” or “our”). By using this website you agree to these terms. If you do not agree, please do not use the website.
Meliora Financial Group Pty Ltd ABN 92 670 736 517 is authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.
Nathan Carney is a credit representative (556176) of Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention are taken in its preparation, any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only.
Nothing on this website is credit assistance, financial advice or a recommendation about a particular product. We can only provide credit assistance once we understand your objectives, financial situation and needs.
Submitting a form on this website is an enquiry only. It is not a loan application and does not mean you have been approved, pre-approved or pre-qualified for any loan.
Any calculator or loan tool on this website gives an indication only, based on the assumptions shown with it. Results are not a quote or an offer of credit. The specific details of your loan will be provided to you in your loan contract.
Any lender, product, rate or feature mentioned on this website is subject to that lender's terms, conditions and lending criteria, and may change without notice. Approval is at the lender's discretion.
The content of this website, including text, graphics, logos and images, is owned by or licensed to Meliora and is protected by Australian copyright and trade mark laws. You may view and print pages for your own personal, non-commercial use. You must not otherwise copy, reproduce, publish or modify any content without our written permission. Lender and partner logos belong to their respective owners.
You agree not to use this website for any unlawful purpose, to interfere with its operation or security, or to submit information that is false, misleading or belongs to someone else without their consent.
This website may link to websites run by lenders, partners or other third parties. We provide these links for convenience only. We do not control those websites and are not responsible for their content, products, services or privacy practices.
We take reasonable care to keep this website accurate and up to date, but we do not warrant that it is complete, current, uninterrupted or secure, or that it contains no errors or viruses. To the extent permitted by law, Meliora is not liable for any loss or damage arising from your use of, or reliance on, this website or any linked website.
Nothing in these terms excludes, restricts or modifies any right or remedy you have under the Australian Consumer Law or any other law that cannot be excluded.
We collect and handle personal information in line with our Privacy Policy.
If you are unhappy with our service, please see our Complaints page for how to raise a concern and how it will be handled.
We may update these terms from time to time by publishing a new version on this page. The version on this page at the time you use the website applies.
These terms are governed by the laws of NSW, Australia, and you submit to the non-exclusive jurisdiction of its courts.
Meliora Financial Group Pty Ltd
Email: nathan@meliorafg.com.au
Phone: 0405 479 262
© Meliora Financial Group Pty Ltd Privacy Terms Complaints
ABN 92 670 736 517 is authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention are taken in its preparation, any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates are subject to change. Approved applicants only.