CREDIT GUIDE
This Credit Guide helps you decide whether to accept our assistance in obtaining a credit contract or consumer lease.
Australian Credit Licensee & Credit Representative Details
Australian Credit Licensee: COG Aggregation Pty Ltd
Credit Licence Number: 389527
Corporate Credit Representative: WIN Asset Finance Pty Ltd
Representative Number: 558309
Address: 1/28 Rainier Crescent, Clyde North VIC 3978
Phone: 0450 602 540
Email: kash@winfinancialgroup.com.au
What this Credit Guide Includes
- Who we are & how to contact us
- Engagement & conditions
- Fees & commissions
- Referrers & referral fees
- Responsible lending obligations
- Credit providers we work with
- How to make a complaint
How We Provide Credit Assistance
We provide “Credit Assistance” when we:
- Suggest or help you apply for a loan
- Assist with increasing credit limits
- Recommend remaining in a credit contract
Fees Payable by You
We may charge a broker fee, disclosed in a Quote before application lodgment.
You do not pay us commission — lenders pay us.
Commission We Receive
- Paid by lenders after settlement
- Ranges from 0% to 5% depending on finance type
- May receive volume bonuses from lenders
Click to see example commission range
Commission is calculated on net amount financed + GST.
Referrers & Referral Fees
We may pay a fee to referring parties (e.g., accountants, dealers) — disclosed upon request.
Responsible Lending
We must ensure any recommended credit is not unsuitable. We assess:
- Your financial situation
- Your goals & loan purpose
- Your ability to repay
Click to view what we may verify
- ID documents
- Bank statements
- Income & expenses
- Credit report information
Our Credit Providers Include
We work with a panel of banks & lenders including:
- Westpac
- ANZ
- Firstmac
- Pepper
- Liberty
- Resimac
- Scotpac
- More
(Full lender panel available on request)
Complaints & Dispute Resolution
Internal Complaints Handling
Contact us first to resolve issues:
Phone: 0450 602 540
Email: kash@winfinancialgroup.com.au
Address: 1/28 Rainier Crescent, Clyde North VIC 3978
External Complaints (AFCA)
AFCA — Australian Financial Complaints Authority
Phone: 1800 931 678
Email: info@afca.org.au
Web: www.afca.org.au