Terms and Conditions

1. About Bridgeway Finance

Bridgeway Finance (ABN 29 441 437 265) is a mortgage lead referral service based in Perth, Western Australia, operating at bridgewayfinance.com.au. We connect home buyers, refinancers, and property investors with licensed mortgage brokers operating in Western Australia.

By using our website or submitting an enquiry, you agree to be bound by these Terms and Conditions. Please read them carefully before proceeding.

2. What We Are Not

It is important to understand what Bridgeway Finance does not do:

• We are not a mortgage broker, credit provider, or lender
• We do not hold an Australian Credit Licence (ACL)
• We do not provide credit assistance, credit advice, or financial advice
• We do not recommend specific lenders, loan products, or interest rates
• We do not assist borrowers in completing or submitting loan applications
• We do not guarantee any loan outcome, approval, or rate

Any financial or credit advice you receive will come from the licensed mortgage broker you are matched with — not from Bridgeway Finance.

3. Our Service

Bridgeway Finance provides the following service:

1. We receive your enquiry via our website or landing page
2. A member of our team calls you by phone to verify your details and understand your situation
3. We match you with a single licensed WA mortgage broker who is appropriate for your loan type and circumstances
4. We introduce you to that broker by email or phone
5. From that point, the broker handles all further communication and the loan process directly

Our role ends upon making the introduction. We do not participate in, supervise, or bear responsibility for any subsequent communications or transactions between you and the broker.

4. The Referral Process

We use a three-stage phone verification process before making any introduction. The purpose of this process is to confirm that your enquiry details are accurate, that you consent to being contacted by a broker, and that we can identify the most appropriate broker for your situation.

If we are unable to reach you after reasonable attempts, your enquiry will be marked as inactive and will not be passed to any broker.

Each verified enquiry is delivered exclusively to one broker. We do not share your enquiry with multiple brokers simultaneously.

5. What You Agree to By Submitting an Enquiry

By submitting an enquiry on our website, you agree that:

• The information you have provided is accurate and complete to the best of your knowledge
• You consent to being contacted by a member of the Bridgeway Finance team by phone and email for the purpose of verifying your enquiry
• You consent to your verified enquiry being passed to a single licensed WA mortgage broker
• You consent to being contacted by that broker to discuss your home loan needs
• You have read and understood these Terms and Conditions and our Privacy Policy

Submitting an enquiry does not commit you to proceeding with any broker introduction, loan application, or financial product. There is no obligation at any point in the process.

6. Cost of the Service

Bridgeway Finance is compensated by the mortgage brokers it works with through a subscription arrangement. This commercial arrangement does not affect the cost of your loan or the broker's ability to act in your best interests.

7. No Guarantee of Outcomes

Bridgeway Finance makes no representation or guarantee that:

• You will be approved for any loan or credit product
• Any particular interest rate, loan amount, or loan term will be available to you
• The broker you are matched with will be able to meet your specific needs
• Any information on our website is current, complete, or applicable to your personal circumstances

All information on bridgewayfinance.com.au is general in nature and does not constitute financial advice. You should seek independent financial advice tailored to your circumstances before making any financial decision.

8. Independence of Brokers

The mortgage brokers we work with are independent professionals. They hold their own Australian Credit Licences or operate as authorised credit representatives under a licensee. They are responsible for their own conduct, advice, and compliance with all applicable laws including the National Consumer Credit Protection Act 2009 (Cth).

Bridgeway Finance is not responsible for, and makes no warranty regarding, the conduct, advice, service quality, or outcomes delivered by any broker introduced through our platform. Any dispute arising from your dealings with a broker should be raised directly with that broker, and if unresolved, with the Australian Financial Complaints Authority (AFCA) at afca.org.au.

9. Broker Subscriptions

Mortgage brokers who access our platform do so under a separate Broker Lead Supply Agreement. All broker subscription fees are billed monthly in advance via Stripe. Brokers agree to separate terms governing their use of our platform, access to verified enquiries, and their obligations to borrowers.

10. Intellectual Property

All content on bridgewayfinance.com.au — including text, graphics, logos, images, and software — is the property of Bridgeway Finance or its licensors and is protected by Australian copyright law. You may not reproduce, distribute, modify, or use any content from our website without our prior written permission.

The Bridgeway Finance name, logo, and brand identity are the property of Bridgeway Finance and may not be used without our express written consent.

11. Limitation of Liability

To the maximum extent permitted by Australian law, Bridgeway Finance excludes all liability for any loss or damage — including direct, indirect, incidental, consequential, or special loss — arising from your use of our website or services, or from any broker introduction made through our platform.

Where our liability cannot be excluded by law, it is limited to the resupply of the relevant service. Nothing in these Terms limits any rights you may have under the Australian Consumer Law.

12. Website Use

You agree to use bridgewayfinance.com.au only for lawful purposes and in a manner that does not infringe the rights of others. You must not attempt to gain unauthorised access to any part of our website or systems, submit false or misleading information, or use our website in any way that could damage, disable, or impair our systems or services.

13. Governing Law

These Terms and Conditions are governed by the laws of Western Australia, Australia. Any dispute arising from these terms will be subject to the exclusive jurisdiction of the courts of Western Australia.

14. Complaints

If you have a complaint about our service, please contact us in the first instance. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you are not satisfied with our response, you may seek external resolution through the relevant consumer protection authority in your state.

15. Changes to These Terms

We may update these Terms and Conditions from time to time. When we make material changes, we will update the effective date at the top of this page. Your continued use of our website or services after any update constitutes acceptance of the revised terms.

16. Contact