General Statement
The following Terms and Conditions govern your use of our website. Please read them carefully before using our website.
By accessing or using our website, you agree to be bound by our terms. The provision by Bluebay Home Loans, its affiliates and suppliers of the data, information and services on our site to you is expressly conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of our website constitutes your agreement to all such terms, conditions and notices.
The materials and information on our website are provided to give you general guidance in the provision of home finance (including buying, selling and owning), commercial finance, general insurance and financial planning services. Whilst Resolve works hard to compile the highest quality data and to keep the information on our website accurate, complete and up-to-date, Bluebay Home Loans and its suppliers cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information.
Your privacy is important to us and no attempt is made to identify you, unless you expressly choose to do so. You are aware that your use of our website is monitored, eg. the path taken through our website and how long spent on each page. This is performed to improve our website performance and to make our website more useful for all our customers.
My Home Plan Terms of Service
The following terms and conditions (Terms) govern your use of the My Home Plan Technology.
‘My Home Plan’ is a budget coaching assistance provided to home loan applicants that are not yet eligible for a home loan and who have requested that Bluebay Home Loans provide them with a ‘plan’ that will assist them to achieve their home ownership goals. In these Terms, ‘you’refers to a person who has registered a Bank Account via the My Home Plan Technology.
The My Home Plan Technology provides you with access to a portal or mobile application to be used in conjunction with your Finance Coach (a representative of Resolve Financial Solutions Pty Ltd ACN 079 545 378 Australian Credit No. 385487 (Bluebay Home Loans, we, us, our) for the purposes of budgeting and saving for a home loan. These Terms form a binding contract agreement between you and Bluebay Home Loans.
Before you disclose your Account Information to Bluebay Home Loans using the My Home Plan Technology, please check the terms and conditions of your Bank Account as these may restrict your ability to do so). For example, you may lose certain protections under the terms and conditions imposed by some financial institutions if you provide us with access to your Bank Accounts using the My Home Plan Technology. If this is the case, you should obtain consent from your financial institution before providing us with access to your Account Information via the My Home Plan Technology.
To read the full Terms of Service, please clickhere.
Contact Us & Appointment Form Terms & Conditions
Further to the general Terms & Conditions of use for the Resolve website, the following apply.
Resolve provides a useful and simple method for customers to use the website to contact Resolve. By using this service you understand and agree that:
- The information provided will only be used for the purpose to which it was requested.
- For a response to be provided, contact information must be provided.
- Resolve will respond within 24 hours.
- Information provided within the response may be financial in nature.
Video Testimonials
The following Terms and Conditions govern your submission of a video testimonial. Please read them carefully before submission.
All submissions adhere to the Bluebay Home Loans privacy policy, which can be found here.
By sending us your video testimonial, via a channel of your choice, you are agreeing to your video being shared and promoted across our website, social media and other Company channels. Your video will not be accepted if it does not comply with the following:
- Video is more than 30 seconds in duration.
- Video clearly shows face.
- Video content is not derogatory or offensive against Resolve Finance and staff.
- Bluebay Home Loans will only accept one submission per client.
Bluebay Home Loans will send out your reward, a $50 visa card, to your home via mail. Vouchers will only be sent out at the beginning of each month. Resolve Finance will contact you when you submit your video to gain these contact details.
If you have not received your voucher within two months of submission please contact us.
Bluebay Home Loans – what is the maximum interest charged?
We offer a variety of interest rates on our home loans that vary depending on your individual situation. Currently, the highest rate you could expect to pay on a new home loan is 7.14% per annum, although the vast majority of our clients are offered an interest rate below the standard variable rate offered by the banks. This particular rate is applicable for applicants that have experienced credit issues such as bankruptcy or credit contact defaults in the past.
Bluebay Home Loans – what fees can I expect to be charged by Bluebay Home Loans in connection with my home loan application?
The fees you will pay can vary greatly depending on the circumstances associated with your individual home loan application and the type of loan that is selected. For example, the maximum amount fees charged upfront could be:
Application fee: up to $600
Valuation fee: as charged by the valuer
Settlement fee: up to $80
Discharge fee: up to $795
Other fees could be charged are those that are charged by either Governments, Solicitors, Mortgage Insurers and the funder of your loan. Contact us direct on 1300 258 229 to see what could be applicable to your individual situation.