How we collect, use, and protect your personal information.
Effective date: 1 January 2026
Finance on the Coast, a trading name of Model Mortgages Pty Ltd (ABN 82 108 681 063, ACL 387460), is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
We collect personal information necessary to provide mortgage broking services, including: name and contact details, financial information (income, assets, liabilities), employment details, identification documents, and information about the property you are purchasing or refinancing.
We collect information directly from you through our website enquiry forms, loan application forms, phone conversations, and emails. We may also receive information from credit bureaus, lenders, and other third parties in the course of processing your application.
We use your personal information to: assess your finance requirements and eligibility, identify and recommend suitable loan products, prepare and submit loan applications on your behalf, communicate with lenders, valuers, and conveyancers, comply with our legal and regulatory obligations, and improve our services.
We may disclose your information to: lenders and financial institutions, mortgage insurers, credit reporting bodies, our aggregator (where applicable), and government agencies as required by law. We do not sell your personal information to third parties.
We may access or disclose your credit information to credit reporting bodies for the purpose of assessing your loan application. We handle all credit information in accordance with our Credit Reporting Policy.
We take reasonable steps to protect your personal information from misuse, interference, and loss, and from unauthorised access, modification, or disclosure. Our systems use industry-standard security measures.
You have the right to access the personal information we hold about you and to request corrections if it is inaccurate, incomplete, or out of date. To make a request, contact us at the details below.
If you believe we have not complied with the Privacy Act or the APPs, please contact us. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
For privacy enquiries, contact:
Finance on the Coast
Email: info@financeonthecoast.com.au
Phone: 0418 204 304