Credit Guide

This Credit Guide is provided to you by Toynton Holdings Pty Ltd, holder of Australian Credit Licence No. 496494.

In this Credit Guide we outline:

  • Who we are;

  • How you can contact us;

  • The financial services we are authorised to provide;

  • How we get paid;

  • Details of our dispute resolution procedures.

Who we are

Springview Finance is the trading name of Toynton Holdings Pty Ltd.

We are an independently owned mortgage and business lending brokerage based in Kingston ACT and Braidwood NSW. We work with clients across Canberra and surrounds, Braidwood, and South Coast NSW.

We hold Australian Credit Licence 496494.

What we do

We provide credit assistance which means we help you assess your lending options, recommend products that suit your situation, and support you through the application process.

We work with home buyers, business owners, and people in complex or unique financial situations. Our services include home loans, investment property loans, business lending, refinancing, and succession planning finance.

We do not lend money ourselves. We work with a panel of lenders and act on your behalf.

We do not provide financial product advice. If your situation involves investment products, superannuation, insurance, or financial planning, you should speak with a licensed financial adviser.

Our lender panel

We have access to 35+ lenders, including major banks, regional banks, and specialist lenders. Our panel gives us a broad range of products to compare on your behalf, but it does not include every lender in the market.

We research and compare options from across our panel to find what is suited to your individual circumstances. We are not tied to any lender and do not have volume-based commitments that require us to direct business to a particular lender.

How we are paid

Commission from lenders

In most cases, we are paid by the lender when your loan settles. We do not charge you a fee for our services in these situations.

Lenders typically pay two types of commission:

Upfront commission: a one-off payment made when your loan is settled, usually calculated as a percentage of the loan amount.

Trail commission: an ongoing payment made while your loan remains active, usually calculated as a percentage of your outstanding loan balance.

Commission rates vary by lender and product. We will give you specific information about the commission payable on any loan we recommend, before you proceed.

Clawback

If your loan is repaid or refinanced within a certain period of time (timeframes vary between lenders) of settlement, the lender may claw back some or all of the upfront commission paid to us. This does not affect you financially, but we disclose it because it is relevant to understanding our potential conflicts of interest.

Flat fees

In some situations particularly complex lending, business lending, or cases where a lender does not pay commission we may charge a flat fee instead of, or in addition to, lender commission. If a fee applies to your situation, we will discuss it with you and confirm it in writing before we proceed.

Conflicts of interest

We are required by law to act in your best interests when providing credit assistance. Where a conflict of interest exists between your interests and ours, your interests come first.

The most significant potential conflict in our business is that lenders pay us commission, which could influence which products we recommend. We manage this by:

  • Searching across our full lender panel for each client

  • Documenting our assessment and recommendations

  • Disclosing commission payable before you proceed

  • Recommending products based on your circumstances, not commission rates

We do not recommend a product because it pays us more. If we identify options that suit your situation, we will present them to you and explain our reasoning.

Your privacy

We collect personal and financial information to assess your lending options and submit applications on your behalf. We handle your information in accordance with the Privacy Act 1988.

Our privacy policy explains how we collect, hold, use, and disclose your information, and how you can access or correct it.

Details of our dispute resolutions procedures  

If you have a concern with the service provided by Scott Toynton as a representative of Toynton Holdings Pty Ltd you can contact us directly either by email or phone.

We take complaints seriously and will endeavour to resolve any issues as quickly as possible. 

Our contact details

Email: scott@springview.com.au

Phone: 0432 256 069

External dispute resolution

If we are unable to resolve your complaint to your satisfaction, you can contact the Australian Financial Complaints Authority (AFCA). AFCA is a free, independent service.

Australian Financial Complaints Authority
Springview Finance AFCA member number: 40081
Phone: 1800 931 678
Website: afca.org.au
Post: GPO Box 3, Melbourne VIC 3001

ASIC

You can also contact the Australian Securities and Investments Commission (ASIC), the regulator of financial services and credit, to report a concern or find consumer information.

Phone: 1300 300 630
Website: asic.gov.au

Please ensure you also read our Terms of Use with regard to the general advice provided here on this website.