Terms and Conditions

Last updated: November 2025

Welcome to Upfront Mortgage Services. By accessing or using our website at https://upfrontmortgageservices.com.au and our services, you agree to these Terms and Conditions. Please read them carefully before using our site or engaging our services.

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1. Who We Are

Upfront Mortgage Services is an Australian mortgage brokerage helping Australians buy, refinance, and invest — with honesty, clarity, and confidence.

Legal and Licensing Information

• Trading Name: Upfront Mortgage Services
• Entity Name: Micallef Finance Pty Ltd
• ABN: 851 576 679 75
• ACN: 157 667 975
• Credit Representative Number: 422073
• Authorised under: Mortgage Specialists Pty Ltd (ACN 050 601 093, Australian Credit Licence 387025)
• License Number: SFG – 387025

2. Acceptance of Terms

By using this website or engaging our mortgage services, you agree to be bound by these Terms and Conditions, our Privacy Policy, and any other legal notices or disclaimers displayed on this website. If you do not agree, you must not use our website or services.

3. General Information Only (No Advice)

The information on this website is general in nature and does not take your personal objectives, financial situation, or needs into account. It is not financial or credit advice. You should consider whether the information is appropriate to your circumstances and seek professional advice before making any decisions.

4. Use of Our Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of, or restrict or inhibit the use and enjoyment of, this website by any third party. You must not:

• Upload or transmit viruses, malicious code, or other harmful material;
• Attempt to gain unauthorised access to systems or data;
• Use the site to defame, harass, or impersonate any person;
• Reproduce, copy, sell, or commercially exploit site content without written permission.

We may restrict access, suspend, or terminate your use of the website if you breach these terms.

5. Our Services

Upfront Mortgage Services acts as a credit representative authorised to provide mortgage broking and credit assistance under the National Consumer Credit Protection Act 2009 (Cth). We assist clients with assessing and comparing mortgage products, preparing and submitting loan applications, and liaising with lenders and financial institutions. We are not a lender and do not provide credit directly.

6. Fees, Commissions, and Disclosure

We may receive commissions or referral payments from lenders or other financial service providers for loans arranged through our services. Full details are provided in your Credit Proposal Disclosure Document (CPDD) prior to proceeding with any loan application. There are no hidden charges; any costs associated with your application will be disclosed to you.

7. Accuracy, Availability, and Liability

While we take care to ensure the accuracy and reliability of the information on our website and through our services, we do not guarantee that the information is complete, current, or error-free, or that the website will always be available or uninterrupted.

To the maximum extent permitted by law, Upfront Mortgage Services and its representatives are not liable for any loss, damage, or expense (including indirect or consequential loss) arising from your reliance on website content, your use or inability to use the website or services, or actions taken based on content or guidance provided.

8. Intellectual Property

All content on this website — including text, graphics, logos, icons, videos, and documents — is the property of Upfront Mortgage Services or its licensors and is protected by Australian copyright law. You may download or print content for personal, non-commercial use only. You must not reproduce, modify, distribute, or exploit content without written permission.

9. Third-Party Links

This website may include links to third-party websites for your convenience. We do not control, endorse, or accept responsibility for the content or availability of those external sites. Your use of third-party sites is at your own risk and subject to their terms and policies.

10. Privacy

We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Please refer to our Privacy Policy for details on how we collect, use, store, and disclose your personal information, including credit information.

11. Contact and Complaints

If you have any questions, concerns, or complaints about these Terms or our services, please contact us:

• Email: aaron@upfrontmortgageservices.com.au
• Phone: 0422 532 029
• Business: Upfront Mortgage Services (Micallef Finance Pty Ltd)

If a complaint relates to privacy, we will respond promptly and may request further information to investigate. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

12. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any disputes arising in connection with these terms or your use of the website will be subject to the exclusive jurisdiction of the courts of New South Wales.

13. Changes to These Terms

We may update these Terms and Conditions from time to time to reflect changes in legislation, regulation, or our business practices. The latest version will always be available on our website. Continued use of our website or services following changes constitutes acceptance of the updated terms.

14. Compliance Statement

Aaron Micallef is a Credit Representative (422073) of Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.

Upfront Mortgage Services. All rights reserved. ABN – 851 576 679 75 | ACN – 157 667 975 | License number – SFG – 387025 | Credit Representative – 422073. Micallef Finance Pty Ltd ABN 851 576 679 75 trading as Upfront Mortgage Services is authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025.