This is the privacy policy statement for Mortgage Refinance Solutions and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, Mortgage Refinance Solutions may collect your name, phone number, email address, postcode, and other details relevant to the type of service you are requesting.
This information is used to match you with a suitable financial services provider or lender. Mortgage Refinance Solutions, on behalf of Clark Family Pty Ltd, provides this information to one (and only one) of our trusted network of third-party partners (brokers, lenders, and insurers) so that they can contact you directly and provide the services you have requested.
We may also receive information from our broker, insurer, and lender partners, including updates or outcomes of your application, via secure electronic systems or APIs. This information is used solely for customer service, quality assurance, and compliance reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your inquiry.
Disclosure of Personal Information
We may disclose your personal information to third-party providers, brokers, lenders, or service partners, some of whom may be located outside Australia. Where this occurs, we will take reasonable steps to ensure that these recipients handle your information in accordance with the APPs and maintain confidentiality and data security.
We require all third-party partners to comply with strict privacy and confidentiality obligations and to use your personal information only for the purpose of responding to your inquiry or providing the services you have requested.
Please note: Once you are referred to a third-party provider, their own privacy policy and terms will apply to any information you provide directly to them.
Cookies and Tracking Technologies
Mortgage Refinance Solutions uses cookies to record session information and understand visitor interactions, including which pages are viewed. Cookies help us enhance system performance, improve user experience, and avoid showing you the same promotional material repeatedly.
We may also use third-party advertising or analytics services that employ cookies, pixels, or web beacons to measure ad performance and deliver relevant content. These partners may collect anonymous information about your visits to this and other websites.
By continuing to use our website, you consent to our use of cookies, including those from third-party providers, for analytics and marketing purposes.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access (e.g., photocopying or postage).
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete, or misleading. We will respond to all access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing for security reasons.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
In an effort to mitigate financial stability risks, the Australian Prudential Regulation Authority (APRA) has implemented a new policy effective from 1 February 2026, capping the proportion of new residential mortgages with a debt-to-income (DTI) ratio exceeding six times at 20% for authorised deposit-taking institutions (ADIs). This move aims to curb high-risk lending practices and address concerns over escalating household indebtedness. - read more
In a notable development within the Australian banking sector, Macquarie Bank has reported a substantial 28% increase in its home loan portfolio, reaching $181.3 billion as of 31 March 2026. This impressive growth is largely attributed to the bank's strategic emphasis on partnerships with mortgage brokers, who were responsible for originating over 95% of new home loans during the financial year. - read more
The Australian Finance Group (AFG) has reported a record-breaking $31.6 billion in home loan lodgements during the second quarter of the 2026 financial year, marking a 25% increase over the previous best second-quarter result. This milestone underscores the robust activity within the mortgage broker sector and the growing reliance of borrowers on broker services to navigate the complex lending landscape. - read more
The Reserve Bank of Australia (RBA) has announced a 0.25% increase in the cash rate, bringing it to 4.35%. This marks the third consecutive rate hike in 2026, a move aimed at curbing rising inflation pressures. The decision reflects the RBA's commitment to maintaining economic stability amid global uncertainties and domestic inflationary trends. - read more
If you're an Australian homeowner, you've probably noticed discussions about refinancing becoming more frequent. Recent trends in interest rates have led many to explore this financial strategy. So, what exactly is refinancing, and why is it such a hot topic right now? - read more
Refinancing your home mortgage loan has become a significant conversation topic lately, especially with the current fluctuations in interest rates across Australia. For many homeowners, these discussions come in the context of rising interest rates, which can substantially affect monthly repayments. - read more
Mortgage refinancing is the process of replacing your existing home loan with a new one, usually with better terms or conditions. It can provide Australian homeowners with an opportunity to reduce their monthly payments, lower interest rates, or switch to a different loan type that better suits their financial goals. - read more
Australia’s housing market is known for its vibrant and ever-changing nature. Navigating through its complexities can be quite the feat for any homeowner. With property prices experiencing fluctuations, many Australians are exploring avenues to maximise their financial opportunities. - read more
Knowledgebase
Personal Loan: a loan that is granted for personal use, normally unsecured and granted by a lender on the borrower's integrity and capacity to repay
