Credit Guide.
Under the NCCP Act 2009 we must give you a Credit Guide before providing any credit assistance. This page introduces who we act for and how to access the current document.
- ACL Licensee
- Outsource Financial Pty Ltd
- Credit Rep
- CR 45250
- Broker
- Balki Balakrishnan · FBAA
- Document version
- 4 June 2026
Download the Credit Guide (PDF)
The Credit Guide is supplied and maintained by our aggregator, Outsource Financial Pty Ltd. The published version is being prepared for upload to this page.
In the meantime, request the current Credit Guide by email to admin@opesfinancialsolutions.com.au or call 1300 67 37 37. We will send the most recent version supplied by the aggregator.
Over 50 lenders. Four SMSF specialists.
Access via the Outsource Financial Pty Ltd panel. The lenders we use most for our clients are listed here. The full panel is set out in the Credit Guide itself.
- ANZ
- NAB
- ME Bank
- Bendigo Bank
- Mortgage Ezy
- La Trobe
- La Trobe
- Mortgage Ezy
- Pepper
- Granite Home Loans
Who provides the credit assistance
Opes Financial Solutions Pty Ltd (ACN 618 122 795) operates as an Authorised Credit Representative (CR 45250) of Outsource Financial Pty Ltd, the holder of the Australian Credit Licence. Outsource Financial Pty Ltd is our aggregator and licensee, and is responsible for the credit assistance we provide. Balki Balakrishnan is a member of the Finance Brokers Association of Australasia (FBAA).
What the Credit Guide covers
The Credit Guide is the authoritative document. In summary, it addresses:
- Our name, contact details, and Credit Representative number.
- Our licensee Outsource Financial Pty Ltd and their ACL number.
- The credit assistance services we provide.
- Our lender panel: over 50 lenders, with frequently used lenders including ANZ, NAB, ME Bank, Bendigo Bank, Mortgage Ezy, and La Trobe. SMSF-specialist lenders include La Trobe, Mortgage Ezy, Pepper, and Granite Home Loans.
- How we are paid, including upfront and trail commissions from lenders, and any fees payable by you.
- Any conflicts of interest, including referral arrangements.
- The licensee's external dispute resolution scheme (AFCA).
- The licensee's Professional Indemnity insurance arrangements.
How we work with you
Our broking process moves through five stages: discovery of objectives and requirements, preliminary serviceability assessment, lender shortlisting, application, settlement, and post-settlement servicing. Under the NCCP Act, any loan we recommend must be "not unsuitable" for your stated requirements and capacity to repay.
Fees and commissions
We are typically remunerated by the lender via upfront and trail commission paid on settlement of your loan. The applicable ranges are set out in the Credit Guide. We do not charge a separate broker fee in standard residential matters unless agreed with you in writing in advance. Specific commission percentages applicable to your loan appear in the Credit Proposal Disclosure Document you receive before signing any application.
Privacy
Personal credit information is collected under the Privacy Act 1988 and the Credit Reporting Code. The full disclosure is in our Privacy Policy. The Credit Guide also incorporates the broking privacy statement required by the aggregator.
Complaints
Please raise concerns with us first. Write to Balki Balakrishnan, Opes Financial Solutions Pty Ltd, Suite 11.18, 401 Docklands Drive, Docklands VIC 3008. Phone 1300 67 37 37 or email admin@opesfinancialsolutions.com.au.
If we cannot resolve the matter, you can escalate (free of charge) to the Australian Financial Complaints Authority on 1800 931 678 (afca.org.au).
The Credit Guide is re-issued in writing at the start of every engagement and a paper copy is available on request.
Ready to scope a loan?
Start with a free conversation. We will outline panel options before any application is lodged.