Clear boundaries for digital lending tools.

These terms explain the basis on which you use the Sparx Finance website, borrowing power calculator, and related digital content.

General information only

Website content and calculator outputs are general in nature. They are not personalised financial advice, a lending recommendation, or an offer of finance.

Technology platform

Sparx Finance provides digital tools that help organise information and prepare preliminary insights. Sparx is not a lender.

Adviser review required

Any lending recommendation must be reviewed and provided by a licensed financial adviser after considering your circumstances.

No guarantee of outcome

Indicative results depend on the information provided and may change after adviser review, lender assessment criteria, or market changes.

Preliminary assessment — for guidance only.

This is not a loan approval or offer of finance. All options are subject to final review by a licensed financial adviser.

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