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Last updated: April 2026
These Terms and Conditions govern your use of the HVJ Finance Solutions website and our mortgage broking services. By accessing this website or engaging our services, you agree to these terms.
HVJ Finance Solutions is a Credit Representative (Number 546375) of Hetvan Educates Pty Ltd (Australian Credit Licence 546375). We provide mortgage broking services to help clients find suitable home loans and financial products.
We act as an intermediary between you and lenders. Our services include:
Our mortgage broking services are generally provided at no direct cost to you. We receive commission from lenders when a loan settles. Any fees payable by you will be disclosed in our Credit Quote before you proceed with an application.
Information on this website is general in nature and does not constitute personal financial advice. Before making any financial decision, you should consider your personal circumstances and seek professional advice. We recommend consulting a licensed financial adviser for advice specific to your situation.
While we strive to find suitable loan options, we cannot guarantee loan approval. All applications are subject to the lender's credit assessment criteria, verification of information provided, and satisfactory valuation of security property.
You warrant that all information provided to us is true, accurate, and complete. Providing false or misleading information may result in loan rejection and could constitute fraud. We rely on the accuracy of your information when making recommendations and submitting applications.
Calculators and tools on this website provide estimates only and should not be relied upon as financial advice. Interest rates and loan terms shown are indicative and subject to change. Always confirm current rates and terms with us or the lender directly.
To the extent permitted by law, HVJ Finance Solutions is not liable for any loss or damage arising from your use of this website or our services, except where such loss or damage is caused by our negligence or breach of professional obligations.
If you have a complaint about our services, please contact us directly. We are committed to resolving complaints fairly and promptly. If you are not satisfied with our response, you may contact the Australian Financial Complaints Authority (AFCA).
These Terms and Conditions are governed by the laws of Queensland, Australia. Any disputes arising from these terms will be subject to the exclusive jurisdiction of the courts of Queensland.
HVJ Finance Solutions
Email: hvjoshi@hetvaneducates.com.au
Phone: 0469 321 590
Credit Representative: 546375 | FBAA Member