GEMS Finance · Information & disclosures

Website terms.

General information

This website provides general information about finance and the GEMS Finance enquiry process. It does not assess your personal circumstances, recommend a particular credit product or provide personalised investment, tax or legal advice.

Credit decisions

GEMS Finance is a brokerage, not a lender. Lending is subject to lender criteria, eligibility and assessment. Information on the site is not an offer, approval, rate quote or guarantee of savings or any loan outcome. Options depend on the relevant lender panel and current accreditations.

Calculators

Calculators use the inputs and assumptions shown beside them. Results are estimates only and do not assess borrowing capacity or approval. A lender may use a different interest method and include fees or conditions not modelled here. Check figures and product details before acting.

Enquiries and third-party resources

Submitting an enquiry requests a conversation. It does not submit a credit application or establish an obligation to proceed. External links are provided for further information; their content and availability are controlled by the relevant organisations.

Using the website

Provide accurate information, use the site lawfully and do not attempt to interfere with its security or operation. Contact us if you identify an error or cannot access something you need.

These statements do not exclude any rights or protections that cannot lawfully be excluded. Contact info@gemsfinance.com.au with questions.