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Credit Guide

Version dated – March 2026

1. This Credit Guide is provided by Pancake Loan Pty Ltd ACN 689 500 418 (Pancake Loan), an authorised credit representative (Credit Representative No 571667) of Reginsun Credit Pty Ltd ACN 165 224 055 (Reginsun Credit), an Australian credit licensee (Australian Credit Licence (ACL) 445579).

2. For the purposes of providing services for personal, domestic or household purposes through the online portal provided and owned by Pancake Loan (the System) which offers access to a calculation tool and related borrowing services, Reginsun Credit, as the Australian credit licensee, has authorised Pancake Loan to provide intermediary services (as a credit representative of Reginsun Credit).

A. About us

3. Pancake Loan is an authorised credit representative of Reginsun Credit. The details of Pancake Loan’s authorisation are:

Business NamePancake Loan Pty Ltd ABN 60 689 500 418
Address405/35 Lime Street, Sydney NSW 2000
Telephone(02) 9948 8780
Emailcontact@pancakeloan.com
Australian Credit Representative Number571667

 

B. About this credit guide

4. This Credit Guide has important information about Pancake Loan (referred to as us, we or our) and the services and activities of Pancake Loan operating under Reginsun Credit’s credit licence. This Credit Guide also provides:

    1. information about fees and charges that may be payable to Pancake Loan;
    2. what you can do if you have a dispute or complaint in connection with our services and activities.

 

C. Responsible lending obligations

5. Under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act), responsible lending obligations apply to credit providers and entities that provide credit assistance, such as suggesting or recommending a specific loan or credit product. As an intermediary, Pancake Loan does not provide credit assistance.

6. Pancake Loan’s role is limited to operating the System, which allows you to use the calculation tool and communicate with a licensed mortgage broker who can assist you further. That mortgage broker is responsible for conducting a full assessment of your financial situation, requirements, and objectives in accordance with the responsible lending obligations under the NCCP Act.

 

D. Fees and charges

7. Pancake Loan does not charge consumers fees for acting as a credit representative or providing intermediary services.

8. Pancake Loan may receive remuneration from mortgage brokers who wish to be listed on the System by way of a subscription fee. These fees are solely for the purpose of enabling the mortgage broker’s presence on the System and do not influence the service provided to you.

9. Pancake Loan does not receive commissions or fees from lenders in respect of loans or credit products arranged through mortgage brokers.

 

E. Dispute resolution process

10. If you wish to make a complaint, or are dissatisfied about the intermediary service provided by Pancake Loan (each a Complaint), your first step is to contact a member of our staff who will help you in every way they reasonably can to resolve the Complaint.

11. You can make a Complaint:

    • verbally, by calling us on (02) 9948 8780; or
    • in writing, by email (contact@pancakeloan.com) or post (405/35 Lime Street, Sydney NSW 2000)

12. We are a member of the Australian Financial Complaints Authority (AFCA) External Dispute Resolution Scheme. Pancake Loan has member number 117143.

13. In the event we are unable to resolve your Complaint within 21 days, you may access the external dispute resolution scheme provided by AFCA:

 

Issued by Pancake Loan