Credit Guide

Last updated: March 2026

Under the National Consumer Credit Protection Act 2009 (NCCP Act), Finance Craft is required to provide you with a Credit Guide before providing credit assistance. This page summarises the key information contained in our Credit Guide.

1. About Finance Craft

Finance Craft is a mortgage broking business operated by Shane Howley.

Shane Howley
Credit Representative Number: 480499
Authorised Credit Representative of BLSSA Pty Ltd ACN 117 651 760 (ACL No. 391237)
Also holds ACL No. 384704
Address: 96 Beach Street, Coogee NSW 2034
Phone: 0403 156 991
Email: info@financecraft.com.au

2. What credit assistance we provide

Finance Craft provides credit assistance in relation to:

3. Our lender panel

We work with a panel of 30+ lenders including major banks, non-bank lenders, and specialist lenders. We will recommend a loan that is not unsuitable for you based on your individual circumstances. We do not have any ownership or financial interest in any lender on our panel.

4. How we are paid

Our service to you is free. We do not charge you a fee for our mortgage broking services. We are remunerated by the lender whose product you choose, typically in the form of:

We will provide you with specific commission information for any loan we recommend before you proceed with an application. Commission amounts vary by lender and product.

5. Our obligations to you

Under the NCCP Act and MFAA Code of Practice, we are obligated to:

6. Resolving complaints

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

Shane Howley — Finance Craft
Phone: 0403 156 991
Email: info@financecraft.com.au

If we cannot resolve your complaint within 30 days, or if you are not satisfied with our response, you may contact our external dispute resolution scheme:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: afca.org.au
Post: GPO Box 3, Melbourne VIC 3001

You also have the right to contact ASIC's Infoline on 1300 300 630 or visit asic.gov.au.

7. Full Credit Guide

A full version of our Credit Guide is available on request. Please contact us and we will provide it to you before or when we first provide you with credit assistance.