Last updated: 16 September 2026

This Disclaimer applies to all content published on Refinance Australia (the "Site"), including blog posts, articles, guides, newsletters, downloads, calculators, comment threads, and any linked resources. By accessing or using the Site, you agree to the terms of this Disclaimer. If you do not accept these terms, please do not use the Site.

1. General Information Only

All content on this Site is provided for general information and educational purposes only. It is prepared without taking into account your personal objectives, financial situation, needs, location, budget, risk tolerance, or legal and tax circumstances.

Property markets, legislation, government incentives, taxes (including stamp duty and land tax), planning rules, lending criteria, and strata or body corporate regulations vary between Australian states and territories, and they change frequently. Information that is accurate when published may become outdated. You should verify any information relied upon against current primary sources — such as the relevant state or territory revenue office, local council, legislation, lender, or strata records — before acting on it.

2. No Professional Advice

Nothing on this Site constitutes, or should be relied upon as, legal, conveyancing, financial, investment, credit, taxation, accounting, valuation, building, pest inspection, planning, or other professional advice. Content is not a substitute for independent professional advice.

The Site does not provide financial product advice, credit assistance, or personal investment recommendations. Any views expressed about property markets, suburbs, strategies, or outcomes are general commentary only and do not take account of your circumstances.

Before acting on any information found on this Site, you should obtain advice from an appropriately qualified and licensed Australian professional — such as a solicitor or licensed conveyancer, a financial adviser who holds an Australian financial services licence or is an authorised representative of an Australian financial services licensee (where financial product advice is involved), a registered tax agent or accountant, a licensed real estate agent or valuer, and relevant building or pest inspectors.

3. Your Responsibility and No Guarantee of Results

You are responsible for making your own enquiries and assessing the accuracy, completeness, currency, and relevance of all information on the Site before relying on it.

To the maximum extent permitted by law, we make no representations or warranties, express or implied, about the accuracy, completeness, reliability, suitability, or availability of the Site or its content. We do not guarantee any particular outcome, including property values, rental yields, capital growth, loan approval, taxation treatment, or investment performance. Past performance is not a reliable indicator of future performance.

4. Limitation of Liability and the Australian Consumer Law

Nothing in this Disclaimer excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law, set out in Schedule 2 to the Competition and Consumer Act 2010 (Cth), or under any other law, where such exclusion, restriction, or modification is not permitted by law.

Subject to those non-excludable rights, and to the maximum extent permitted by law:

• We disclaim all liability for any loss, damage, cost, or expense (including indirect, special, incidental, consequential, or punitive loss, loss of profit, loss of opportunity, and loss of data) arising from or connected with your use of, or reliance on, the Site or its content; and
• Where our liability for a breach of a non-excludable consumer guarantee concerning services cannot lawfully be excluded, our liability is limited, at our option, to the resupply of the services, or the payment of the cost of having the services supplied again.

5. Third-Party Links and Content

This Site may contain links to third-party websites, tools, calculators, or resources. These links are provided for convenience and general information only.

We do not control, endorse, monitor, or accept any responsibility for third-party websites or their content, accuracy, availability, security, or privacy practices. Your use of third-party websites is at your own risk and is subject to those websites' own terms and privacy policies. References to third parties do not constitute an endorsement or recommendation of their products or services.

Affiliate and sponsored disclosure: Where content on this Site contains affiliate links, sponsored placements, or paid promotions, this will be disclosed in the relevant article or page. We may receive a commission or other benefit from affiliate links or sponsored content. Such arrangements do not influence the general information provided. You should make your own assessment of any third-party product or service, and we do not accept responsibility for it.

6. No Liability for Comments and User Contributions

The Site may allow users to post comments or contribute content. Any views expressed in user contributions are those of the contributors alone and do not represent our views. We accept no liability for user contributions, and we reserve the right to moderate or remove them at our discretion.

7. Changes to This Disclaimer

We may update this Disclaimer from time to time. The current version will be published on this page with the date of last update. Continued use of the Site after changes are published constitutes acceptance of the updated Disclaimer.

8. Contact

If you have any questions about this Disclaimer, please contact us at contact@estateassets.com.au.

This Disclaimer is governed by the law in force in New South Wales, Australia, and the parties submit to the non-exclusive jurisdiction of the courts of that jurisdiction.