Terms and Conditions

Last updated: July 2026

These Terms and Conditions govern your use of the Spark Mortgage & Finance website. By accessing or using this website, you agree to comply with these terms.

1. About Spark Mortgage & Finance

Spark Mortgage & Finance provides personalised lending solutions across Home Loans, Refinancing, Construction Loans, Asset Finance and Personal Loans.

2. General Information Only

The information provided on this website is general in nature and does not take into account your objectives, financial situation or needs.

Before making a financial decision, you should consider whether the information is appropriate for your circumstances and seek independent professional advice where required.

3. No Guarantee of Approval

Submission of an enquiry, application or consultation request does not guarantee loan approval. Approval is subject to lender assessment, eligibility criteria, credit checks, supporting documents and applicable lending policies.

4. Website Calculators

Calculators available on this website provide estimates only. Results may differ from actual lender calculations, fees, interest rates, repayment schedules and borrowing capacity assessments.

Calculator results should not be treated as financial advice, credit approval or a formal loan offer.

5. Accuracy of Information

We aim to keep the information on this website accurate and current. However, lending products, rates, fees, policies and eligibility requirements may change without notice.

Spark Mortgage & Finance does not guarantee that all website content will always be complete, current or free from errors.

6. Third-Party Links

This website may contain links to lenders, service providers or other third-party websites. Spark Mortgage & Finance is not responsible for the content, security, availability or privacy practices of external websites.

7. Intellectual Property

Unless otherwise stated, all website content, branding, text, graphics, layouts and design elements are owned by or licensed to Spark Mortgage & Finance.

You may not reproduce, distribute, modify or commercially use website content without prior written permission.

8. Limitation of Liability

To the extent permitted by law, Spark Mortgage & Finance is not liable for loss or damage arising from reliance on general website information, calculator results, third-party content or temporary website unavailability.

9. Changes to These Terms

We may update these Terms and Conditions from time to time. Updated terms will be published on this page with a revised effective date.

10. Contact Us

For questions about these Terms and Conditions, please contact Spark Mortgage & Finance through our contact page.