The Smart Mortgage & Lending loan service is provided by Outsource Financial Pty Ltd (ACN 131 090 705) which provides mortgage lending services to consumers under their Australian Credit License Number 384 324. As part of the referral process, legislation requires us to obtain your consent to your name and contact details being given to Outsource Financial Pty Ltd. We will pass your information on to Outsource Financial within 5 business days. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Smart Mortgage & Lending receives a commission for making these referrals. The commission that we receive depends upon the lender that ultimately provides your home loan and is 40% of the upfront and trail commission received by outsource Financial Pty Ltd from the lender. The total of all commissions will be disclosed by outsource Financial Pty Ltd as part of arranging your home loan.