Our credit representative and licensee
Christopher (Chris) Berry is Credit Representative 387206, authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328.
Our business is Find a Better Rate Home Loans Pty Ltd, ABN 92 661 575 417. Contact Chris at Level 14, 330 Collins Street, Melbourne VIC 3000, on 03 9125 4339 or at chris@findabetterrate.com.au.
Request our Credit Guide
Our Credit Guide and Privacy Disclosure Statement explains our services, assessment process, remuneration, lender panel, complaints process and handling of personal information. Email Chris for a copy or call us. This page is a summary and does not replace the full guide or the disclosures provided for your application.
Fees and how we are paid
Our aggregator receives commissions from lenders and pays us commission for settled loans. These can include an upfront commission and an ongoing trail commission. Those lender commissions are not payable by you. The commission details relevant to your application are disclosed in the Summary of Requirements and Credit Proposal.
Where a fee for credit assistance applies, it is set out in a Credit Quote provided before your application is submitted. Lender and third-party costs, such as application or valuation fees, may also apply. Any applicable referral payments are disclosed in your credit proposal.
Your needs and our assessment
Our Credit Guide explains our obligation to put your finance needs first and assess whether a proposed loan is unsuitable for your circumstances. We ask about your objectives, financial position and ability to repay, and take steps to verify the information you provide. You can request a copy of your preliminary assessment at no charge; the guide explains the applicable timeframes.
Raising a complaint
Tell Chris what happened and the resolution you are seeking, by phone or email using the details above. If you are unable to reach a satisfactory resolution, contact our licensee’s Compliance and Complaints Handling Officer:
- Connective Credit Services Pty Ltd
- Phone: 1300 656 637
- Email: complaints@connective.com.au
- Post: Level 29, 555 Collins Street, Melbourne VIC 3000
You can also contact the Australian Financial Complaints Authority (AFCA) for information about external dispute resolution, including eligibility and time limits:
- Phone: 1800 931 678
- Website: www.afca.org.au
- Email: info@afca.org.au
Scope of our services
We provide credit assistance. We do not provide tax, accounting, legal or financial planning advice. Obtain advice from an appropriately qualified professional where you need help in those areas.
Information summarised from the Credit Guide and Privacy Disclosure Statement dated 27 October 2026.