Credit Guide
Last updated: July 2026
1. About us
demir.loans is a Sydney brokerage lending Australia-wide. Demir Loans Pty Ltd is a credit representative (Credit Representative Number 580174) of LMG Broker Services Pty Ltd ACN 632 405 504, holder of Australian Credit Licence 517192. As the licensee, LMG is responsible for ensuring its credit representatives are trained, supervised and act efficiently, honestly and fairly.
2. What we do
We provide credit assistance: understanding your situation, comparing home loans from a panel of 65+ lenders, recommending options suited to your needs, and managing your application from submission through to settlement. Before recommending any loan, we assess that it is not unsuitable for you, as the law requires, and under the Best Interests Duty, our recommendations must be in your best interests.
3. Our lender panel
We have access to a panel of 65+ banks and lenders. Not all lenders are available to all brokers; the exact panel available to us is disclosed in the official Credit Guide provided when we give you credit assistance, or on request at any time.
4. Fees & how we're paid
Our service is at no cost to you. If your loan settles, the lender pays us a commission, typically an upfront and a trailing commission. The amounts vary by lender and are disclosed in the credit proposal you receive before anything is submitted. We do not charge you a fee for credit assistance. If a third party refers you to us, any referral fee paid to them is also disclosed.
5. Complaints & disputes
If you're unhappy with our service, please tell us first via our complaints page. If we can't resolve it, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent service: afca.org.au · 1800 931 678 · info@afca.org.au.
6. Your information
How we collect, use and protect your personal information is set out in our privacy policy.
7. Contact
Ugur Ozer · ugur@demir.loans · 0495 000 228 · Sydney, NSW · lending Australia-wide.