1300 782 944

Credit Guide

Credit Hub, a trading name used by CHA Group of companies  and/or all group entities including, Conveyancing Hub (Aus) Pty Ltd ABN 34160027109, and Jass Group (Aus) Pty Ltd, CHA Group (Aus ) Pty Ltd also holds an Australian Credit License under Jass Group (Aus ) Pty Ltd ABN 69138938646 , and is authorized to arrange finance under the National Consumer Credit Protection Act 2009 (NCCP Act). This Act regulates the activities of lending, leasing, and finance broking.

In this Privacy Policy, “we”, “us”, or “our” refers to Trading as Credit Hub, and includes all our related entities including, Conveyancing Hub (Aus) Pty Ltd (Conveyancing), Jass group (Aus) Pty Ltd, Cha Group (Aus) Pty ltd

Our Brokers and Aggregators

Credit Hub operates with both in-house brokers and contracted brokers:

  • Credit Hub operates with both in-house brokers and contracted brokers.
  • Our in-house brokers and contracted brokers act as authorized credit representatives under Aggregators ACL
  • Some contracted brokers hold their own Credit Representative numbers with their aggregators or have their own ACL  and operate independently, but we partner with them ,with only  approved aggregators to provide clients access to a wider range of lenders and products

This Credit Guide contains important information about:

  • A description of our key obligations before entering a credit contract with you.
  • How we collect, use, and share your personal information.
  • How we handle complaints and access external dispute resolution services.

This Credit Guide applies from 1 September 2025 and remains valid unless a further Credit Guide is issued to replace it.

About Credit Hub

We are licensed to assist you with specialist services delivered by qualified experts – including mortgage brokers and financial advisers. Our goal is to help you make better financial choices so you can focus on enjoying the things that really matter in life.

We are committed to finding the right loan for you and making the process as hassle-free as possible – whether you’re buying a home to live in, purchasing an investment property, or refinancing an existing loan. There is no charge for our home loan service, as the lenders pay us. Our brokers receive the same rate regardless of which home loan you choose from our wide range of lenders.

We aim to provide solutions that support your financial and lifestyle goals. In addition to home loans, we can also assist with commercial loans, car loans, personal loans, asset finance, and conveyancing services.

Responsible Lending Obligations

In accordance with ASIC’s Regulatory Guide RG 209, we are required to ensure that any credit contract or credit limit increase we arrange for you is not unsuitable. We make reasonable inquiries about your objectives, requirements, and financial situation, and we verify the information you provide.

We will provide you with a written credit assessment of your suitability if you request it within seven years of the date your loan is entered into or increased.

Privacy and Information Sharing

We respect your privacy and protect your personal information in accordance with the Privacy Act 1988. The information we collect is used to assess your application, offer tailored loan products, and ensure ongoing compliance.

We may share your personal information with:

  • Selected aggregators and lenders to provide a wide range of loan options.
  • Training organisations and compliance partners.
  • Relevant regulatory bodies when required by law.

For further information, please refer to our Privacy Policy available on our website or from your broker.

How We Are Paid

There is no charge for our home loan service, as lenders pay us a commission when your loan is settled. Our brokers receive the same rate of commission regardless of the loan product you choose.

If you apply for a personal or commercial loan, we may charge a brokerage fee. Any applicable fees will be disclosed to you in writing before submitting your application.

We may also receive volume-based commissions or bonuses from some lenders, but we are legally required to act in your best interests and will always prioritise your needs when recommending loan products.

Conflicts of Interest

If we are likely to receive a higher commission from one lender compared to another, we are obligated under ASIC’s Regulatory Guide RG 273 to disclose this to you and act in your best interests.

Referral Arrangements

We may receive referral fees or commissions from third parties such as real estate agents, accountants, contracted brokers or solicitors when they refer clients to us. These fees are not payable by you and will be disclosed if applicable.

Complaints and Dispute Resolution

We are committed to resolving complaints quickly and fairly. If you have a complaint, please contact our Complaints Manager:

Phone:1300 782 944
Email: info@chagroup.com.au
Postal Address: PO Box 6493, Point Cook, VIC 3030

We aim to resolve all complaints internally within 30 calendar days. If we cannot resolve your complaint within this timeframe, you can escalate it to the Australian Financial Complaints Authority (AFCA).

AFCA provides a free and independent dispute resolution service:

Note: Please ask us about the External Complaint official body as per Business Services

Or

https://www.consumer.vic.gov.au/contact-us

Important Things to Know

Before accepting any loan offer, please read the credit contract and loan agreement carefully to ensure you understand the details. We recommend seeking independent legal and financial advice where appropriate.

Questions?

If you have any questions about this Credit Guide or any other aspect of our services, please contact us. We’re here to help.

credit hub

Mortgage Broker in Point Cook

Credit Hub Australia

  • Point Cook, Melbourne VIC
  • Mortgages (Banking & Financial Services)
  • Contract/Temp
  • Add expected salary to your profile for insights
About the role

Join our dynamic team at Credit Hub Australia as a Finance/Mortgage Broker in our conveniently located Point Cook office, close to the freeway and train station, with free parking available.

In this role, you will be responsible for providing personalised mortgage solutions to our valued clients and also managing your colleagues by co-ordinating the allocation of files and general day to day running of the broker team. With a focus on delivering exceptional customer service, you will guide clients through the entire mortgage process, from initial application to final approval.

“Position is for Mortgage broker on commission/contract basis.”

What you'll be doing
  • You will develop and expand network with our help.

  • Sales, cold calling, and networking come naturally to you. You thrive on engaging with prospective clients to understand their unique financial needs and goals.

  • You will act on leads and existing database as provided and generate sales and ongoing relations.

  • Actively participate in team meetings and contribute to the overall success of the business

What we're looking for

  • You are an existing broker with proven experience in Mortgage Broking or lending abilities, or in a similar financial services role looking to take your career further with a successful Mortgage house.

  • In-depth knowledge of the Australian mortgage market, including products, policies, and regulatory requirements.

  • Excellent communication and interpersonal skills, with the ability to build lasting relationships and earn client trust.

  • A strong commitment to delivering outstanding customer service and consistently exceeding client expectations.

  • Self-motivated and capable of working independently, while also thriving in a collaborative team environment.

  • Relevant industry qualifications, such as a Certificate IV in Finance and Mortgage Broking.

  • Ability to manage multiple tasks, stay organized, and work reliably without supervision.

  • A results-driven mindset with a strong sales focus, coupled with exceptional work ethic, time management, and multitasking abilities.

What we offer

At Credit Hub Australia, we are committed to providing our team with a supportive and rewarding work environment. Some of the key benefits of joining our team include:

  • Competitive remuneration and performance-based bonuses
  • Ongoing training and professional development opportunities
  • Flexible work arrangements and a positive work-life balance
About us

Credit Hub Australia is a leading provider of mortgage and finance solutions, with a strong presence in the Point Cook in the Western Suburb of Melbourne and surrounding areas. Our mission is to empower our clients to achieve their financial goals by delivering personalised, expert advice and exceptional customer service. We are a dynamic and growing team, driven by a passion for helping our clients and making a positive impact on our local community. We are with Finsure as an agrregator Group. 

If you’re ready to take the next step in your career as a Mortgage Broker, apply now to join our team at Credit Hub Australia.

Apply Now

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