Credit Guide
Our Credit Guide
Last updated 28 September 2026
Placeholder: needs review before launch
Before we help you with a loan, the law requires us to give you our Credit Guide. It explains who we are, how we're paid and what to do if you're unhappy with our service.
[Credit Guide PDF link]
Who we are
Chocolate Home Loans is Credit Representative [credit rep number] of [licensee name], Australian Credit Licence [ACL number].
Our aggregator is LMG.
How we're paid
We're usually paid commission by the lender when your loan settles, and may receive an ongoing commission while it's active. Before we recommend a loan we'll tell you, in writing, how much commission we expect to receive. The Credit Guide sets out how commissions are worked out, and any fees that may apply.
Lenders we use most
The Credit Guide lists the lenders we've arranged the most loans with over the past financial year: [top lenders, from the Credit Guide]
Complaints
See how to make a complaint, including how to contact the Australian Financial Complaints Authority (AFCA).