按 NCCP 法规要求向你披露：我们是谁、能给你做什么、收银行多少 commission、出问题怎么投诉。Statutory disclosure under NCCP: who we are, what we can do, how much commission we earn from lenders, how to complain.
| 公司名Entity | Fingertips Finance Pty Ltd |
| ABN | 64 132 798 451 |
| 信贷代表注册号Credit Rep number | ACR 530340 |
| 挂靠 ACL 持牌人Under ACL holder | Outsource Financial Pty Ltd · ACL 384324 |
| 监管机构Regulator | ASIC |
| EDR 投诉机构EDR scheme | AFCA · #87234 |
| 专业责任险PI insurance | $20,000,000 |
| 主办公地址Head office | L8, 813 Pacific Highway, Chatswood NSW 2067 |
作为 Outsource Financial（ACL 384324）的信贷代表，我们可以为你安排：As an Authorised Credit Representative of Outsource Financial (ACL 384324), we may arrange for you:
我们<strong>不</strong>提供：财务规划、税务建议、保险产品、个人无担保贷款。需要这些请联系持牌专业人士。We do <strong>not</strong> provide: financial planning, tax advice, insurance, unsecured personal loans. For these, see relevant licensed professionals.
我们覆盖 <strong>42 家银行 / 贷款机构</strong>，包括四大行、二线大行、专项贷款机构、非银行（non-bank）。完整清单见 Lenders 页面，下面是主要类别和数量：We hold a panel of <strong>42 lenders</strong> covering Big Four, second-tier, specialist, and non-bank. Full list on the Lenders page — categories below:
| 类别Category | 数量Lenders | 代表Examples |
|---|---|---|
| 四大行Big Four | 4 | CBA, ANZ, NAB, Westpac |
| 二线主要银行Major secondary | 8 | Macquarie, ING, Bankwest, BoQ, Suncorp |
| 非银行 / 专项Non-bank / specialist | 16 | Pepper, Liberty, Resimac, La Trobe |
| 信用社 / 互助会Credit unions / mutuals | 10 | Bank Australia, Beyond Bank, Greater Bank |
| 海外 / 外资International | 4 | HSBC, Citi (legacy), ICBC, Bank of China |
<strong>对客户免费</strong>。所有收入来自银行的 commission——分两部分：<strong>Free for you.</strong> Our income comes from lender commissions in two parts:
放款时银行一次性付给我们，<strong>占贷款额的 0.55%–0.71%</strong>（GST 不含）。例：80 万贷款 → 银行付给我们 $4,400–$5,680。Paid by the lender once, on settlement: <strong>0.55%–0.71% of loan amount</strong> (ex-GST). E.g. on $800k loan → lender pays us $4,400–$5,680.
只要你的贷款还在那家银行，每月按余额给我们 <strong>0.15%–0.275% 年化</strong>。例：80 万还到 70 万时 → 银行每月付我们 $87–$160。While your loan stays with that lender, monthly on outstanding balance: <strong>0.15%–0.275% p.a.</strong>. E.g. balance $700k → $87–$160/month.
所有银行的 commission 区间几乎一样——四大行通常 0.65% upfront / 0.15% trail，非银行可能稍高（0.70% / 0.20%）。差异以基点（bp）计算，远小于推错产品给客户带来的合规风险（吊销牌照 + AFCA 罚款）。我们的内部薪酬制度<strong>不</strong>给员工按银行设奖金。Industry commissions are nearly identical — Big Four typically 0.65% upfront / 0.15% trail; non-banks slightly higher (0.70% / 0.20%). Differences are measured in basis points, dwarfed by the compliance risk of recommending a wrong product (licence loss + AFCA penalty). Our internal pay structure does <strong>not</strong> reward brokers by lender.
负责你的具体经纪人按以下结构发薪：Your individual broker is paid:
如果客户在 18 个月内换银行（clawback），经纪人不仅没奖金，还要扣回部分上贷佣金——这强烈激励If a client refinances within 18 months (clawback), the broker not only loses bonus but repays a portion of upfront — strong incentive to 'get it right once' rather than 'close the deal'.
如果对我们的服务有意见，按以下顺序：To complain about our service, follow these steps:
完整流程见 <a href='./complaints.html'>投诉政策</a> 页面。Full process at <a href='./complaints.html'>Complaints Policy</a>.
法律 / 合规相关问题，请联系我们的合规负责人。For legal or compliance questions, contact our compliance officer.