Terms & Conditions
Last Updated: 28 August 2026
These Terms & Conditions govern your use of the TriLending website and the information and services made available through it.
TriLending is operated by PJ Dwyer Enterprises (ABN 57 679 736 001), trading as TriLending (“TriLending”, “we”, “our” or “us”).
Paddy Dwyer is a Credit Representative (Credit Representative Number 531370) authorised under Australian Credit Licence Number 391237.
By accessing or using this website, you agree to these Terms & Conditions. If you do not agree with these Terms & Conditions, you should not use this website.
1. About TriLending
TriLending provides mortgage and finance broking services, including assistance with home loans, investment loans, refinancing, construction loans, commercial lending and asset finance.
We may assist clients to identify and apply for credit products offered by banks, lenders and other credit providers.
TriLending is not the lender. Any loan or credit product is provided by the relevant lender and is subject to that lender’s eligibility requirements, lending criteria, terms, conditions, fees and approval process.
2. Information on This Website
The information provided on this website is general in nature and has been prepared for informational purposes.
The information does not take into account your individual objectives, financial situation, requirements or circumstances.
Your full financial situation and requirements need to be considered before any offer or acceptance of a loan product.
Before acting on information contained on this website, you should consider whether the information or any particular credit product is appropriate for your circumstances.
Where TriLending provides you with credit assistance or recommendations relating to a particular credit product, that assistance will be provided separately as part of our mortgage and finance broking services.
3. Loan Products and Applications
Information about loan products, interest rates, fees, features, eligibility requirements and lending criteria may change from time to time.
All applications for credit are subject to assessment and approval by the relevant lender.
Submitting an enquiry, requesting assistance or commencing an application through TriLending does not:
- guarantee that finance will be available;
- guarantee approval of a loan or credit application;
- constitute an offer of credit;
- guarantee any particular interest rate, loan amount, loan feature or lending outcome; or
- create an obligation on a lender to provide credit.
Lenders may impose additional conditions and may change or withdraw loan products, rates, fees or offers at any time.
Terms, conditions, fees and charges may apply. Normal lending criteria apply.
4. Information You Provide
If you submit information to us through this website, including through an enquiry or contact form, you agree that:
- the information you provide is true, accurate and complete to the best of your knowledge;
- you will not knowingly provide false, misleading or fraudulent information;
- you have authority to provide any information relating to another person; and
- you will provide updated or additional information where reasonably required for us to assist you.
The information initially submitted through this website may not be sufficient for us to assess your circumstances or provide credit assistance.
We may need to obtain additional information and supporting documentation before assisting with a loan application.
5. Website Use
You may use this website only for lawful purposes.
You must not:
- use the website in a way that breaches any applicable law or regulation;
- attempt to gain unauthorised access to the website, its systems or data;
- introduce viruses, malicious code or other harmful material;
- interfere with or disrupt the operation or security of the website;
- use automated systems to scrape, copy or extract website content without our permission;
- impersonate another person or provide false information; or
- use the website in a manner that may harm TriLending or another person.
We may restrict or prevent access to the website where we reasonably believe these Terms & Conditions have been breached.
6. Accuracy and Availability of Information
We take reasonable care when preparing and maintaining information on this website.
However, to the extent permitted by law, we do not guarantee that all information will always be complete, accurate, current or suitable for your individual circumstances.
Financial products, lending policies, interest rates, fees, government schemes, grants and lender requirements can change.
You should not rely solely on information published on this website when making financial or borrowing decisions.
We may change, update or remove website content at any time without notice.
7. Third-Party Lenders and Services
TriLending may deal with or provide information relating to third-party lenders, credit providers and other service providers.
Unless expressly stated otherwise, TriLending does not control those third parties and is not responsible for their products, services, systems, lending decisions or business practices.
The terms and conditions of the relevant third party will apply when you use their products or services.
8. Third-Party Links
This website may contain links to websites, services or resources operated by third parties.
These links are provided for convenience and informational purposes.
We do not control third-party websites and do not guarantee or endorse the accuracy, security, availability, content, products, services or privacy practices of those websites.
You access third-party websites at your own discretion and should review their applicable terms and privacy policies.
9. Intellectual Property
Unless otherwise stated, the content of this website, including its text, graphics, branding, logos, photographs, illustrations, layout and design elements, is owned by or licensed to TriLending and is protected by applicable intellectual property laws.
You may view and use the website for your personal, non-commercial purposes.
You must not reproduce, publish, distribute, modify, commercially exploit or otherwise use website content without our prior written permission, except where permitted by law.
Third-party trade marks and branding remain the property of their respective owners.
10. Privacy and Personal Information
We handle personal information in accordance with our Privacy Policy and applicable Australian privacy laws.
If you provide personal information through this website or while obtaining our services, that information may be collected, used, stored and disclosed as described in our Privacy Policy and any applicable privacy or credit consent documentation provided to you.
Please read our Privacy Policy for further information about how we handle your personal information.
11. Website Security and Availability
We take reasonable steps to maintain the security and availability of this website. However, internet-based services cannot be guaranteed to be uninterrupted, secure or free from errors, viruses or other harmful components.
We may temporarily suspend, withdraw or restrict access to all or part of the website for maintenance, security, operational or other reasons.
You are responsible for taking reasonable precautions when accessing websites and downloading information from the internet.
12. Limitation of Liability
To the maximum extent permitted by law, TriLending is not liable for any loss, damage, expense or cost arising from:
- your reliance on general information contained on this website;
- the website being unavailable or interrupted;
- errors, omissions or outdated information on the website;
- the actions, products, services or decisions of third-party lenders or service providers; or
- your use of a third-party website accessed through a link from this website.
Nothing in these Terms & Conditions excludes, restricts or modifies any consumer guarantee, right or remedy conferred on you by the Competition and Consumer Act 2010 (Cth), the Australian Consumer Law or any other applicable law that cannot lawfully be excluded, restricted or modified.
Where our liability cannot lawfully be excluded, our liability will be limited to the maximum extent permitted by law.
13. Credit and Lending Decisions
The decision to approve or decline an application for credit is made by the relevant lender, not TriLending.
TriLending cannot guarantee:
- loan approval;
- the amount a lender will agree to lend;
- the interest rate offered;
- processing or settlement timeframes;
- lender valuations;
- lending policy outcomes; or
- continued availability of a particular loan product or offer.
Your eligibility for a credit product will depend on factors including your financial circumstances and the relevant lender’s policies and assessment criteria.
14. Changes to These Terms
We may amend these Terms & Conditions from time to time.
The current version will be published on this website with the date it was last updated.
Changes take effect when they are published unless otherwise stated.
Your continued use of the website after updated Terms & Conditions are published constitutes acceptance of those updated terms.
15. Governing Law
These Terms & Conditions are governed by the laws of Victoria, Australia, and applicable Commonwealth laws of Australia.
You submit to the jurisdiction of the courts of Victoria and any courts entitled to hear appeals from those courts.
This website is intended primarily for persons accessing TriLending’s services within Australia. Information on this website may not be appropriate or applicable in other jurisdictions.
16. Severability
If any provision of these Terms & Conditions is found to be invalid, unlawful or unenforceable, that provision will be treated as removed to the extent necessary, without affecting the validity or enforceability of the remaining provisions.
17. Contact Us
If you have questions about these Terms & Conditions or the TriLending website, please contact:
TriLending
PJ Dwyer Enterprises
ABN 57 679 736 001
Paddy Dwyer
Principal Mortgage Broker
Credit Representative Number 531370
Phone: 0448 637 310
Email: paddy@trilending.com.au
Australian Credit Licence Number 391237