Licensed adviser responsibility
Any lending recommendation must come from a licensed financial adviser after reviewing your circumstances.
Adviser Disclosure
AI-powered does not mean adviser-free.
Sparx Finance is a technology platform. It supports the collection and organisation of information, while licensed financial advisers remain responsible for lending recommendations.
Sparx prepares information
Sparx helps structure borrower inputs and preliminary insights so adviser review can be clearer and faster.
No automated advice document
Sparx does not generate a Statement of Advice on the frontend. Advice documentation is handled through the adviser process.
What this means for borrowers
Calculator outputs and AI Snapshot previews are preliminary. They help you understand possible next steps, but they do not replace adviser review or lender assessment.