Loan to Value Ratio (LVR)

Makes Cents Services Pty Ltd (ABN 13630717243) is a wholly owned subsidiary of EMBR Group Pty Ltd (ABN 27 147 278 153) Australian Credit Licence 519274 and operates makescents.com.au as a free service that allows users to compare quotes and save money in a few simple steps. This is based on the details provided through this site and our partners product or service criteria at the time of the enquiry. When we provide comparisons, or pass your details onto product issuers or credit providers, Or other comparison services, this is not a recommendation from Makes Cents Services Pty Ltd or EMBR Group Pty Ltd and in no way should be treated as personal or general advice about the suitability of a product or service. You should consult the individual product issuer or credit provider for their terms and conditions and read any specific product disclosures. Makes Cents Services Pty Ltd and EMBR Group Pty Ltd do receive fees and commissions for providing this service and sharing your information with a relevant product or service supplier. Unlike other comparison sites, we are completely independently run, funded and not owned by any Bank or Insurer and we are not a product issuer or a credit provider. We endeavour to provide you with a comparison of a wide range of products, providers and services, however we don’t cover every available product, provider or service available in the market. Therefore there may be other options available to you that could indeed be better than our options. In some cases, we may only have one provider who can service your specific request, as opposed to multiple quotes. This may be because your circumstances are unique and only serviceable by one specific provider, or because Makes Cents Services Pty Ltd only has been able to come to an agreement with one product supplier. If you decide to proceed with a specific product or service offering through a referral from makescents.com.au, you will be dealing directly with the 3rd party company and(or) its representatives of that product or service and no longer with makescents.com.au / Makes Cents Services Pty Ltd. We endeavour to always provide accurate and up to date information, however at times may need to update these details and they could be, at times, out of date.