Terms
Website terms of use
Last updated 28 September 2026
Placeholder: needs review before launch
By using this website you agree to these terms.
General information only
The calculators, guides, checklists and articles on this site are general information. They don't take into account your objectives, financial situation or needs, and they aren't credit assistance, an offer of credit or a recommendation. Results are estimates based on the assumptions shown with each tool. Lenders make their own decisions on every application.
Before acting on anything here, talk to us and read our Credit Guide.
Rates, grants and rules
We don't advertise interest rates on this site. Figures such as tax rates, stamp duty and government schemes were correct when checked (the date is shown with each tool) but can change without notice.
Accuracy and availability
We take care to keep this site accurate and available, but we can't guarantee it will be error-free or always online. To the extent the law allows, we aren't liable for loss arising from relying on it.
Links to other sites
We link to government and regulator websites for official information. We aren't responsible for their content.
Copyright
The content and design of this site, including the Chocolate Home Loans name and logo, belong to Chocolate Home Loans.
Governing law
These terms are governed by the laws of Victoria, Australia.