This Credit Guide summarises our offerings, fees and commissions we may receive, and the process to follow if you have a complaint. Please don't hesitate to ask if you need more information or clarification.
We are here to help
We offer choice
As a mortgage broker, we offer choice, experience and have an obligation to act in your best interests when providing credit assistance. It's why we are focused on understanding your goals and circumstances, so that we can find the right loan solution for you.
We offer convenience
With an understanding of what matters to you and what you are looking for, we can research home loan options on your behalf, saving you time and effort.
We help to progress your application
We're here to prepare and help progress your loan application, and work with our lender network to help secure your loan.
Please note AFG and your mortgage broker does not provide tax, legal or accounting advice. Any information contained in this document is of a general nature only and does not take into account the objectives, financial situation or need of any particular person and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. Therefore, before making any decision, you should consider the appropriateness of the information with regard to those matters and consult your own tax, legal and accounting advisors before engaging in or considering the appropriateness of any transaction.
How we'll work together
- 1
Getting to know you
To kickstart your loan application, you'll need to provide some information about your goals and circumstances.
- 2
Let's meet
We'll catch up with you to understand what matters to you and what you are looking for in a loan.
- 3
Let us do the work
With an understanding of your requirements and objectives, we will review suitable options to find the right loan for you.
- 4
Presenting your loan options
We'll present you with a credit proposal with tailored loan solutions and recommendations with your goals and circumstances in mind.
- 5
Managing your application
Once you have decided to proceed with an application for a loan, you can leave it to us to lodge and manage your application.
- 6
Loan approval
We're nearly there! We will monitor your application and let you know if your loan is approved.
- 7
Settlement day
Congratulations! Settlement is when your loan application process is complete.
- 8
Here to help
If your circumstances and goals happen to change, we are here to help with your future loan needs.
About your broker and licensee
This Credit Guide has been generated by:
| Broker | Ram Prabhu Lakshmanan |
| Authorised Credit Representative name and Credit Representative number | Ram Lakshmanan (Australian Credit Representative 580706) |
| Organisation / Trading name | Lend Secure |
| Address | Shop 5/15 Civic Ave, Pendle Hill NSW 2145 |
| Mobile | 0402 634 591 |
| Email address | ram@lendsecure.com.au |
| Australian Credit Licence name and number | Australian Finance Group Ltd (Australian Credit Licence 389087) (Licensee) |
| Australian Company Number of ACL holder | 066 385 822 |
Lenders and products
As a broker, we are able to offer choice across a number of products and have the opportunity to be accredited to arrange loans with the following lenders:
- AFG Home Loans Align
- AFG Home Loans Alpha
- AFG Home Loans Bridge
- AFG Home Loans Bright
- AFG Home Loans Edge
- AFG Home Loans Options
- AFG Home Loans Retro
- AMP Bank
- ANZ
- ASCF
- Australian Military Bank
- Auswide Bank
- BCU Bank
- Bank Australia
- BankSA
- Bank of China
- Bank of Melbourne
- BOQ
- Bank of Sydney
- Bankwest
- Beyond Bank
- Commonwealth Bank
- Credit Union SA
- Firefighters Mutual Bank
- Firstmac
- Funding
- Granite Home Loans
- Great Southern Bank
- HSBC
- Health Professionals Bank
- Heartland Reverse Mortgages
- Hejaz
- Heritage Bank
- HomeStart Finance
- Hume Bank
- ING
- Judo Bank
- Keystart
- La Trobe Financial
- Liberty
- ME Bank
- Macquarie Bank
- MSquared Capital
- MyState
- NAB
- Newcastle Permanent
- P&N Bank
- People First Bank
- Pepper Money
- QBANK
- Queensland Country Bank
- RedZed
- Resimac
- St.George
- Suncorp
- Teachers Mutual Bank
- The Capricornian
- ubank
- UniBank
- Westpac
- AMMF
- Angle Finance
- Automotive Financial Services
- GreenLight Auto Finance
- alex.bank
- Latitude
- MoneyPlace
- NOW Finance
- Plenti
- SocietyOne
- Wisr
As at 18/09/2026. The lenders listed above are part of our aggregator's, Australian Finance Group Ltd (AFG), lender panel through which we submit loan applications. In order to submit loan applications to these lenders, a broker is required to be accredited with that lender. We are not accredited with each of the lenders listed above. Typically, brokers are accredited with 10 to 15 lenders. If we are not accredited with a lender in the panel above, we can refer you to another AFG broker who is accredited with that lender. Please contact us for further information.
Fees, charges, commission and disclosures
Fees payable by you to third parties
When the loan application is submitted, you may need to pay the lender's application fee, valuation fees, or other fees that are associated with the loan application process, even if application for the loan is ultimately unsuccessful.
Fees payable by you to us or the Licensee
If a fee is payable by you, this will be disclosed in a Credit Quote that will be provided to you. If a Credit Quote is not supplied, this will indicate that we do not charge consumers any fees.
Payments received by us or the Licensee
We, and our Licensee or aggregator Australian Finance Group Ltd (AFG), may receive fees, commissions, or financial rewards from lenders or lessors in connection with any finance we arrange for you. These fees are not payable by you.
The commission / brokerage amount depends on the amount of the finance and may vary from product to product. We can provide you with information about a reasonable estimate of those commissions and how the commission is worked out if you require.
Commissions are paid based on a percentage of the loan balance that is drawn down which in most cases will be net of any amounts you hold in an offset account. The way commissions are calculated and paid to us by lenders may vary. By following the responsible lending requirements, we will ensure the loan recommended to you is not unsuitable for your situation and objectives.
Fees payable by us to third parties
We may pay fees to call centre companies, real estate agents, accountants, or lawyers and others for referring you to us. These referral fees are generally small amounts in accordance with usual business practice.
These are not fees payable by you. On request you can obtain a reasonable estimate of the amount of the fee and how it is worked out.
From time to time, we may also remunerate other parties through payments, rewards or benefits.
Tiered servicing arrangements
Through our relationships with lenders, we may have access to tiered servicing arrangements. The benefits of this access to these arrangements can include faster processing, better information or greater levels of assistance provided for obtaining loan approval. We will advise you of any tiered service arrangements that are in place with a particular lender that we have proposed at the time recommendations are made.
Access to this program is not based solely on the volume of new or existing lending our clients have with each respective lender and does not entitle us to any additional commissions or payments outside of what we have disclosed to you, or any preferential client discounts.
Other disclosures, benefits or interests we or others may receive
We are prohibited from accepting gifts or inducements over $300. Any benefit given to your broker greater than $100 and less than $350 will be recorded in a Gifts Register. A copy of our register is available to inspect on request. If you wish to inspect the register, please contact us.
Complaints
If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.
Step 1
Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact Ram first and express your concerns. You can request a written response at this time, even if the complaint is resolved in the first 5 working days.
Step 2
If the issue is not satisfactorily resolved within 5 working days by talking with Ram, we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly.
| Name | Complaints Manager |
| Phone | 08 9420 7888 |
| compliance@afgonline.com.au | |
| Address | Level 11, 905 Hay Street, Perth WA 6000 |
Note: In some instances we may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately. By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 30 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame.
Step 3
Although we try hard to resolve a client's concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently.
The Australian Securities and Investments Commission external dispute resolution (EDR) process is available to you, at no cost at the contact details below.
| Name | AFCA |
| Phone | 1800 931 678 |
| info@afca.org.au | |
| Online | www.afca.org.au |
| Address | Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001 |
Last reviewed: September 2026. We may update this document from time to time; the current version is always on this page.