Updated 30 Aug 2026
1. Acceptance
By accessing or using this website, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, please do not use the website.
2. General information only
Website content is general information only. It does not consider your objectives, financial situation or needs and does not constitute personal financial, credit, investment, legal, accounting or tax advice. Before acting, obtain advice from appropriately licensed professionals and consider all relevant disclosure documents.
3. Investment and borrowing risk
Investments can rise or fall in value and you may lose some or all of the amount invested. Borrowing to invest can magnify gains and losses. Interest, fees and repayment obligations may continue even when investment income or values decline.
4. Calculators, reports and projections
Calculators, complimentary reports, dashboards, case studies and projections are illustrative. Results depend on assumptions that may change, including interest rates, investment performance, taxation, fees and personal circumstances. No mortgage-free date, return, saving or other outcome is guaranteed.
5. No offer or recommendation
Nothing on this website is an offer to issue or sell a financial product, or a recommendation to acquire, dispose of or hold a product. Any product or service is subject to eligibility, due diligence, applicable terms and the relevant disclosure documents.
6. Accuracy and availability
We aim to keep website information accurate and current but do not warrant that it is complete, error-free or suitable for a particular purpose. To the extent permitted by law, the website is provided on an “as available” basis and may be changed, suspended or withdrawn without notice.
7. Intellectual property
Unless otherwise stated, Mortgage Zero owns or licenses the website design, text, graphics, logos and other content. You may view and print reasonable extracts for personal, non-commercial use. You must not reproduce, modify, distribute, republish or commercially exploit content without prior written permission.
8. Acceptable use
You must not misuse the website, interfere with its operation or security, introduce malicious code, attempt unauthorised access, scrape content at scale, impersonate another person or use the website unlawfully.
9. Third-party services and links
The website may contain links to independent third parties or rely on third-party tools. Mortgage Zero does not control those services and is not responsible for their availability, content, privacy practices or terms. A link does not necessarily indicate endorsement.
10. Information you submit
You confirm that information submitted is accurate, current and lawfully provided. Do not submit another person’s information without authority. Financial and identity information should only be supplied through approved secure channels.
11. Liability
Nothing in these terms excludes rights or remedies that cannot lawfully be excluded. Subject to those rights, Mortgage Zero is not liable for loss arising from reliance on general website information, unavailable services, third-party content or unauthorised access beyond our reasonable control. This clause must be finalised by legal counsel for compliance with Australian Consumer Law and applicable financial-services obligations.
12. Changes
We may update the website and these terms from time to time. Updated terms take effect when published, with the effective date shown on this page.
13. Governing law
These terms are intended to be governed by the laws of Victoria, Australia, and the parties submit to the courts of that jurisdiction. Legal counsel should confirm this clause against the contracting entity and service model.
14. Contact
Questions about these terms may be sent to info@mortgagezero.com.au.