CREDIT GUIDE

New Direction Finance

Issued in accordance with the National Consumer Credit Protection Act 2009 (Cth)

Business Name: New Direction Finance

Australian Credit Representative No.: 499888

Authorised Under ACL No.:389527

ABN: 41 167 276 306

Registered Address: 82 Hawdon St, Heidelberg VIC 3084

Phone: 1300 483 955

Email: [email protected]

Website: www.newdirectionfinance.com.au

Document Version: 1.0

Date of Issue: 29 June 2026

Next Review Date: 29 June 2027

This Credit Guide is required to be given to you under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) before or when we provide credit assistance to you. Please read this document carefully and retain it for your records.

ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

New Direction Finance | Credit GuideConfidential

1. About New Direction Finance

New Direction Finance (referred to in this guide as 'we', 'us', or 'our') is a credit assistance provider under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act). We are an authorised credit representative (ACR No. 499888) of the Australian Credit Licence holder (ACL No389527. ), as registered with the Australian Securities and Investments Commission (ASIC).

We act as a mortgage and finance broker, providing credit assistance to consumers and businesses seeking finance including home loans, investment loans, refinancing, personal loans, and related finance products.

We do not act as a lender. Our role is to help you identify and apply for credit products that may be suitable for your needs, objectives, and financial situation.

1.1 Our Licence Obligations

As an authorised credit representative, we and the ACL holder (ACL No 389527. ) are required to:

• Act efficiently, honestly, and fairly in all dealings with you;

• Have adequate arrangements in place to manage conflicts of interest;

• Ensure our representatives are adequately trained and competent;

• Maintain adequate professional indemnity insurance;

• Comply with the responsible lending obligations in Chapter 3 of the NCCP Act;

• Provide you with this Credit Guide and, where applicable, a Credit Proposal Disclosure document.

2. Services We Provide

We provide credit assistance services, which include:

• Suggesting, recommending, or assisting you to apply for a particular credit contract;

• Suggesting you remain in or increase your credit limit under an existing credit contract;

• Assessing your borrowing capacity and financial position;

• Preparing and lodging loan applications on your behalf;

• Liaising with lenders during the assessment and approval process;

• Providing guidance on loan features, structures, and repayment strategies.

Credit assistance does not mean we will guarantee you credit. Whether credit is approved remains at the sole discretion of the lender.

2.1 Types of Credit Products

We provide assistance across a broad range of credit products including, but not limited to:

Product Category

Examples

Residential Mortgages

Owner-occupied, investment, first home buyer

Refinancing

Rate reduction, debt consolidation, equity release

Construction Finance

House and land packages, knockdown-rebuild ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

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Commercial Loans

Business premises, commercial property investment

Bridging Finance

Short-term loans during property transitions

SMSF Lending

Limited recourse borrowing arrangements

Personal Finance

Car loans, personal loans, asset finance

Development Finance

Residential and commercial development projects ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306Page 3

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3. Our Lender Panel and How We Select Products

We work with a panel of lenders and credit providers. The lenders on our panel may change from time to time. A current list of lenders on our panel is available on request.

3.1 How We Recommend a Product

When we make a recommendation, we will:

• Assess your financial situation, objectives, and requirements;

• Consider products available through our lender panel that may meet your needs;

• Explain the basis of our recommendation;

• Provide you with a Credit Proposal Disclosure document before you apply for or enter a credit contract.

We will not recommend a credit product that is unsuitable for you based on your stated needs, objectives, and financial situation.

3.2 Limited Product Scope

Our recommendations are limited to products available through lenders on our panel. We do not have access to all credit products available in the market. You should consider whether obtaining independent financial advice is appropriate before committing to any credit contract.

4. Responsible Lending Obligations

We are required under the NCCP Act to comply with responsible lending obligations. This means we must not provide credit assistance to you if the credit contract would be unsuitable for you.

4.1 When a Credit Contract Is Unsuitable

A credit contract is unsuitable for you if:

• You will be unable to comply with your financial obligations under the contract, or could only do so with substantial hardship; or

• The credit contract does not meet your requirements or objectives.

4.2 What We Need From You

To meet our responsible lending obligations, we will ask you to provide information about your:

• Income, assets, liabilities, and living expenses;

• Credit history and existing financial commitments;

• Employment status and stability;

• Objectives and requirements for obtaining credit;

• Intentions regarding the use of the credit product.

You must provide us with accurate and complete information. Providing false or misleading information may affect your ability to obtain credit and may constitute an offence under applicable law.

4.3 Preliminary Assessment

We will conduct a preliminary assessment of whether the credit contract is not unsuitable for you before we suggest, recommend, or assist you to apply for credit. We are required to keep a copy of this preliminary assessment for 7 years. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

New Direction Finance | Credit GuideConfidential

You may request a copy of our preliminary assessment within 7 years of the date we provide you with credit assistance. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

New Direction Finance | Credit GuideConfidential

5. Fees and Charges

5.1 Fees We Charge You

We may charge you a fee for our credit assistance services. Any fees payable by you will be disclosed to you in writing before you are required to pay them. The nature and amount of any fee will depend on your individual circumstances and the services provided.

Fee Type

Details

Broker Service Fee

May apply in some circumstances — disclosed in writing before engagement

Application or Processing Fee

May be charged by the lender — disclosed in the Credit Proposal Disclosure

Settlement Fee

Charged by some lenders at settlement — disclosed separately

Ongoing Fee

May apply to some products — fully disclosed before commitment

We will always disclose any fee payable by you in writing prior to you incurring any obligation to pay that fee.

5.2 Commissions and Remuneration From Lenders

We may receive remuneration from lenders when we successfully introduce business to them. This is typically in the form of:

• Upfront commission: a percentage of the loan amount paid by the lender at settlement;

• Trail commission: an ongoing commission based on the outstanding loan balance, paid periodically by the lender.

These commissions are paid by the lender, not by you, and do not increase the cost of your loan. However, you should be aware that the commissions we receive may influence the products we recommend.

We manage this potential conflict of interest by:

• Always conducting a needs assessment and making recommendations based on your best interests;

• Disclosing the nature of commissions received;

• Not recommending a product solely on the basis of the commission it generates.

5.3 Aggregator Fees

We may be a member of an aggregator or licensee group. Our aggregator may receive a portion of the commission paid by the lender. Further details of any such arrangements are available on request. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

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6. Privacy and Collection of Personal Information

We collect, use, hold, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles (APPs), and our Privacy Policy.

6.1 What We Collect

We collect personal information that is reasonably necessary for us to provide you with credit assistance. This includes:

• Identity information (name, date of birth, residential address, contact details, government-issued identification);

• Financial information (income, assets, liabilities, expenses, bank statements, tax returns);

• Employment information;

• Credit history and credit report information;

• Information about your requirements and objectives.

6.2 Why We Collect It

We collect your personal information to:

• Assess your eligibility and suitability for credit products;

• Prepare and submit loan applications on your behalf;

• Comply with our legal and regulatory obligations;

• Communicate with you about your application and our services;

• Prevent fraud and meet our AML/CTF obligations (see Section 7).

6.3 Who We May Disclose It To

We may disclose your personal information to:

• Lenders and credit providers to whom you are applying for credit;

• Credit reporting bodies, in accordance with the Privacy Act;

• Our aggregator or licensee;

• Mortgage insurers, valuers, solicitors, and other third parties involved in the transaction;

• ASIC, AUSTRAC, or other regulatory authorities as required by law;

• Our professional advisers (subject to confidentiality obligations).

We do not sell your personal information to third parties.

6.4 Your Privacy Rights

You have the right to:

• Access the personal information we hold about you;

• Request correction of inaccurate or out-of-date information;

• Complain about a breach of the APPs.

To exercise these rights, contact our Privacy Officer using the contact details on page 1. A copy of our Privacy Policy is available at www.newdirectionfinance.com.au or on request. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

New Direction Finance | Credit Guide Confidential

7. Anti-Money Laundering and Counter-Terrorism Financing

New Direction Finance is a reporting entity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act) and the Anti-Money Laundering and Counter-Terrorism Financing Rules Instrument 2007 (No. 1) (AML/CTF Rules).

We are enrolled with the Australian Transaction Reports and Analysis Centre (AUSTRAC) and maintain an AML/CTF Program as required by law.

7.1 Customer Identification and Verification (KYC)

Before we provide you with a designated service, we are required to identify and verify your identity (Know Your Customer — KYC). This obligation applies to:

• Individual customers;

• Companies and other entities;

• Beneficial owners and persons with significant influence or control over an entity.

We will ask you to provide documentation to verify your identity, which may include:

Customer Type

Identification Required

Individual

Passport or driver's licence plus secondary document (e.g. utility bill, Medicare card)

Company (Pty Ltd / Ltd)

ASIC company extract, director and shareholder identification

Trust

Trust deed, trustee identification, beneficial owner details

Partnership

Partnership agreement, partner identification

SMSF

Trust deed, member and trustee identification, ATO documentation

We may use electronic verification services to verify your identity in accordance with the AML/CTF Rules. You consent to us using such services by engaging us.

7.2 Ongoing Customer Due Diligence

We are required to conduct ongoing due diligence on our customers. This means we may periodically ask you to update or re-confirm your identity information and the nature and purpose of our relationship.

7.3 Politically Exposed Persons

If you are, or are closely associated with, a politically exposed person (PEP) — including a foreign government official or senior Australian government officer — we are required to apply enhanced due diligence measures. You must disclose this to us.

7.4 Suspicious Matter Reporting

We are required by law to report suspicious matters to AUSTRAC. If we form a suspicion that a transaction is related to money laundering, terrorism financing, tax evasion, or other criminal activity, we will report this without notifying you (as required by the AML/CTF Act). We are legally prohibited from 'tipping off' customers that a report has been made. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306Page 8

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7.5 Threshold Transaction Reports

We are required to report to AUSTRAC any cash transaction of AUD $10,000 or more, or multiple related cash transactions that together exceed this threshold.

7.6 Consequences of Non-Compliance

If you fail to provide the information and documentation required for identification and verification, we may not be able to provide services to you, and we may be required to cease our business relationship with you. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

8. Your Rights and Obligations

8.1 Your Right to Independent Advice

You have the right to seek independent legal, financial, or credit advice before entering into any credit contract. We encourage you to do so, particularly for significant financial commitments.

8.2 Your Right to a Credit Proposal Disclosure Document

Before we provide you with credit assistance, we must give you a Credit Proposal Disclosure document that sets out:

• The specific credit product we are recommending;

• The proposed loan amount, term, and repayments;

• The total fees and charges;

• The commissions we will receive;

• The preliminary assessment outcome.

8.3 Your Obligation to Provide Accurate Information

You are obliged to provide us with accurate and complete information. Knowingly providing false or misleading information to obtain credit is a criminal offence under the Criminal Code Act 1995 (Cth) and may expose you to serious legal consequences.

8.4 Hardship Obligations

If you enter into a credit contract and experience financial difficulty, you may have rights under the National Credit Code (Schedule 1 to the NCCP Act) to request a hardship variation from your lender. Contact your lender as soon as possible if you are experiencing financial difficulty.

9. Complaints and Dispute Resolution

9.1 Internal Dispute Resolution

If you have a complaint about our services, please contact us in the first instance:

Complaints Contact: Compliance Officer

Phone: 1300 483 955

Email: [email protected]

Mail: 82 Hawdon St, Heidelberg VIC 3084

We will acknowledge your complaint within 1 business day and aim to resolve it within 30 calendar days. For complex complaints, we will keep you informed of our progress.

9.2 External Dispute Resolution

If you are not satisfied with our response to your complaint, or if your complaint is not resolved within 30 days, you may refer the matter to the Australian Financial Complaints Authority (AFCA):

Organisation: Australian Financial Complaints Authority (AFCA)

Website: www.afca.org.au ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306

New Direction Finance | Credit GuideConfidential

Phone: 1800 931 678 (free call)

Email: [email protected]

Mail: GPO Box 3, Melbourne VIC 3001

AFCA is an independent, not-for-profit organisation approved by the Australian government to provide free dispute resolution services for consumers and small businesses.

9.3 ASIC and Regulatory Complaints

You may also lodge a complaint with ASIC if you believe we have engaged in misconduct:

ASIC Website: www.asic.gov.au

ASIC Complaints: www.asic.gov.au/about-asic/contact-us/how-to-complain/

Phone: 1300 300 630 ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306Page 11

New Direction Finance | Credit GuideConfidential

10. Conflicts of Interest

We are committed to managing conflicts of interest in a way that ensures we act in your best interests. Potential conflicts include:

• Commission structures that may favour higher loan amounts or particular lenders;

• Volume bonuses offered by lenders;

• Referral arrangements with third parties.

We manage conflicts of interest through our internal Conflicts of Interest Policy, staff training, disclosure to clients, and by ensuring recommendations are based on your individual needs and circumstances. A copy of our Conflicts of Interest Policy is available on request.

11. Professional Indemnity Insurance

We hold professional indemnity insurance that covers claims arising from acts, errors, and omissions in our credit assistance activities, in accordance with ASIC requirements under our Australian Credit Licence conditions.

12. Referrals

12.1 Referrals to Us

If you have been referred to us by a third party (such as a real estate agent, financial planner, or accountant), that third party may receive a referral fee or commission from us. The amount and nature of any such referral payment will be disclosed to you before we provide credit assistance.

12.2 Referrals From Us

We may refer you to other service providers such as financial advisers, legal practitioners, accountants, or conveyancers. We may receive a payment for such referrals. Any such arrangement will be disclosed to you. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306Page 12

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13. Key Legislation and Regulatory Framework

Our services and obligations are governed by the following key legislation and regulations:

Legislation / Regulation

Relevance

National Consumer Credit Protection Act 2009 (Cth) (NCCP Act)

Licensing, responsible lending, credit assistance obligations

National Credit Code (Schedule 1 to NCCP Act)

Consumer credit contract rights and obligations

Australian Securities and Investments Commission Act 2001 (Cth)

ASIC powers and regulatory framework

Privacy Act 1988 (Cth) and Australian Privacy Principles

Collection, use, and disclosure of personal information

Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)

AML/CTF obligations, KYC, reporting requirements

AML/CTF Rules Instrument 2007

Detailed AML/CTF compliance requirements

Competition and Consumer Act 2010 (Cth)

Consumer protection, misleading conduct

Corporations Act 2001 (Cth)

Financial services regulation (where applicable)

14. Important Notices and Disclaimers

14.1 General Advice Warning Any information provided by New Direction Finance in connection with credit products is of a general nature only and does not constitute personal financial advice. We recommend you seek independent financial, legal, and tax advice before making any significant financial decision.

14.2 Credit Assessment Outcomes

Providing you with credit assistance does not guarantee that you will be approved for credit. Lending decisions are made solely by the relevant lender based on their own assessment criteria and policies.

14.3 Interest Rates and Product Information

Interest rates, fees, and product features referred to in any communications from us are subject to change and may vary. Always confirm current rates and terms with the relevant lender prior to entering into a credit contract.

14.4 Document Currency

This Credit Guide is current as at the date of issue shown on the cover page. We will update this guide when there are material changes to the information contained within it. The current version of this guide is available on request and on our website. ACR No. 499888 | Authorised under ACL 389527 | ABN 41 167 276 306Page 13

New Direction Finance | Credit Guide Confidential

Please retain this Credit Guide for your records. A copy will also be kept on your file by New Direction Finance for 7 years as required by law.

New Direction Finance | ACR No. 499888 | Authorised under ACL | ABN 41 167 276 306

www.newdirectionfinance.com.au | [email protected] | 1300 483 955

This document is prepared in compliance with the National Consumer Credit Protection Act 2009 (Cth), the Privacy Act 1988 (Cth), and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). ACR No. 499888 | Authorised under ACL389527 | ABN 41 167 276 306