Legal Text

Le'teshia Falconer t/as SpeC Finance, is an authorised Credit Representative 536357 under Mortgage Australia Group Pty Ltd 377294. SpeC Finance ABN: 51 958 081 204

The AI platform is courtesy of our partners at Loanoptions AI Pty Ltd and "All applications are subject to the credit providers credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Information provided is factual information only, and is not intended to imply any recommendation about any financial product(s) or constitute tax advice. If you require financial or tax advice you should consult a licensed financial or tax adviser.

*Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. We'll confirm your interest rate upon submission of your application. Rates, repayments and fees are estimates and are subject to change at any time.

*The comparison rate is based on a $30,000 secured loan over 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Eligibility criteria, terms and conditions apply."

*Please be mindful that although you may initially compare with no impact to your credit score, once you 'lodge' your application, it will thereby naturally impact your credit score thereafter as it is considered as you proceeding with a formal application. 

*The terms and conditions mentioned in our car, personal and business loan advertisements in relation to the turn around times are subject to the client(s) providing the necessary information and supporting documents within a timely manner. Not providing or providing impartiallly complete applications will naturally extend the settlement/approval times. 

*Refer a family or friend promotion is subject to the following conditions - 

1. Referred applicant must lodge and settle via the AI platform provided within the website.

2. The full name and number of the referrer and referal must be SMS'd to 0481 877 732 so we can appropriately identify people, as well as corrently pay the funds of $100 through payid. 

3. Referred applicant must settle a 'minimum loan amount of $10,000'.

4. SpeC Finance may at any time cease the promotion where the offer will no longer be advertised anywhere. 

5. The payable amount will be released through payid within 2 weeks of the referral settling on the application.

All applications are: Subject to lender's terms and conditions, fees and charges and eligibility criteria apply.