Disclaimer

1. General Information Only

The content published on canweaffordit.com.au (the "Site") is provided for general information and educational purposes only. It does not constitute financial product advice, investment advice, taxation advice, legal advice, credit advice, or any other form of regulated advice under the Corporations Act 2001 (Cth), the National Consumer Credit Protection Act 2009 (Cth), the Tax Agent Services Act 2009 (Cth), or any other Commonwealth or state legislation.

Nothing on this Site is intended to influence you in making any particular financial, property, investment, or taxation decision. The information presented represents general scenarios and illustrative examples only, and does not take into account your personal financial situation, objectives, tax position, risk tolerance, or individual needs.

2. No Licence or Registration Held

canweaffordit.com.au and its operators do not hold:

• An Australian Financial Services Licence (AFSL) issued under the Corporations Act 2001 (Cth)
• An Australian Credit Licence (ACL) issued under the National Consumer Credit Protection Act 2009 (Cth)
• Registration as a tax agent or BAS agent under the Tax Agent Services Act 2009 (Cth)
• Any other regulatory licence, registration, or authorisation to provide financial, credit, or taxation services

Nothing on this Site should be construed as a recommendation to acquire, dispose of, or hold any financial product, security, or property, or as an endorsement of any particular financial strategy, loan product, or investment approach.

3. Calculator Outputs Are Illustrative Estimates Only

All calculators, tools, and interactive features on this Site, including but not limited to the mortgage repayment calculator, stamp duty calculator, borrowing capacity estimator, rental yield calculator, negative gearing calculator, and suburb affordability tool, produce illustrative estimates only.

These estimates are based solely on the inputs you provide and on simplified mathematical models. They do not account for:

• Your individual credit history, income structure, or lender-specific assessment criteria
• Lenders Mortgage Insurance (LMI) premium variations between insurers and lenders
• Serviceability buffers applied by individual lenders (currently APRA requires a minimum 3% buffer above the loan rate)
• Council rates, strata levies, body corporate fees, or land tax on your specific property
• Capital gains tax (CGT) discount eligibility based on your individual holding period and tax position
• Changes to government schemes, concessions, or grant eligibility criteria after the date shown
• Building and pest inspection costs, conveyancing fees, or other transaction costs specific to your purchase
• Depreciation schedules, quantity surveyor reports, or ATO rulings specific to your property

Actual stamp duty obligations, mortgage repayments, tax outcomes, investment returns, and purchase costs will differ from the figures shown on this Site. Do not rely on calculator outputs as the basis for any financial commitment.

4. Data Accuracy and Currency

We make reasonable efforts to keep rate data, stamp duty thresholds, grant amounts, and other reference information current. Our primary data sources include:

• The Reserve Bank of Australia (RBA), cash rate target
• The Australian Bureau of Statistics (ABS), Census data and property price indices
• State and Territory Revenue Offices: stamp duty rates, thresholds, and concessions
• Housing Australia (formerly NHFIC): First Home Guarantee, Regional Home Guarantee, and Family Home Guarantee parameters
• The Australian Taxation Office (ATO): income tax rates, CGT rules, and negative gearing guidance
• ASIC MoneySmart, consumer guidance and financial literacy content

Tax laws, government grant schemes, interest rates, and lending policies change frequently, sometimes with little or no public notice. Despite our best efforts, information on this Site may be out of date, incomplete, or inaccurate at the time you access it.

Always verify critical information with the relevant government authority, state revenue office, or a licensed professional before entering any contract or making any financial decision.

5. Seek Independent Professional Advice

Before making any property purchase, sale, investment, or financing decision, we strongly recommend you obtain independent advice from qualified professionals, including:

• Mortgage broker: licensed under an Australian Credit Licence (ACL) to advise on loan products suited to your circumstances
• Financial adviser: holding an AFSL or authorised representative status to advise on investment strategy and financial planning
• Accountant or tax agent: registered under the Tax Agent Services Act to advise on your tax obligations, negative gearing, CGT, and depreciation
• Solicitor or conveyancer: licensed in your state or territory to review contracts, conduct title searches, and manage settlement
• Building and pest inspector: licensed in your state or territory to assess the physical condition of a property before purchase

The costs of professional advice are typically a small fraction of the financial risks involved in a property transaction. The information on this Site is not a substitute for such advice.

6. Limitation of Liability

To the maximum extent permitted by law, including the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)), canweaffordit.com.au and its operators, employees, contractors, and contributors:

• Disclaim all liability for any direct, indirect, incidental, special, consequential, or punitive loss or damage arising from your use of, or reliance on, this Site or its content
• Do not warrant that the Site will be available continuously, free from errors, or that defects will be corrected
• Do not warrant the accuracy, completeness, or fitness for purpose of any information, calculator output, or data shown on the Site
• Are not liable for any loss arising from decisions you make based on information obtained from this Site

Where legislation implies warranties or conditions that cannot be excluded, our liability is limited to the extent permitted by law: in most cases, to resupplying the relevant information or service.

7. No Affiliation or Endorsement

canweaffordit.com.au is an independent platform and is not affiliated with, endorsed by, or acting on behalf of any bank, lender, mortgage broker, real estate agent, government agency, or financial institution.

References to specific lenders, government schemes, or service providers on this Site are for informational purposes only and do not constitute an endorsement or recommendation. Where the Site includes referral links to third-party service providers, canweaffordit.com.au may receive a referral fee at no additional cost to you. Such arrangements do not influence the accuracy or objectivity of the information or calculator outputs on this Site.

Government scheme names, eligibility criteria, grant amounts, and income caps are subject to change by the relevant government authority at any time. Refer to Housing Australia (housingaustralia.gov.au), the ATO, and your state revenue office for authoritative and current information.

8. Third-Party Links

This Site contains links to external websites operated by third parties. These links are provided for convenience only. canweaffordit.com.au does not control, endorse, or accept responsibility for the content, privacy practices, or accuracy of any third-party website. Visiting a third-party website is at your own risk, and you should review that site's own terms and privacy policy before providing any personal information.

9. Privacy

Information about how we collect, use, and store personal information is set out in our Privacy Policy. canweaffordit.com.au handles personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

10. Governing Law

This Disclaimer and your use of the Site are governed by the laws of New South Wales, Australia. You agree to submit to the exclusive jurisdiction of the courts of New South Wales and the Federal Court of Australia for any dispute arising in connection with this Site.

11. Changes to This Disclaimer

We may update this Disclaimer from time to time to reflect changes in law, regulation, or our practices. The "Last updated" date at the top of this page indicates when the most recent revision was made. Your continued use of the Site after any update constitutes acceptance of the revised Disclaimer.