This website ( and it’s content is owned in full by Urban Commercial Group Pty Ltd t/a Urban Home Loans. By continuing to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use which governs Urban Commercial Group Pty Ltd t/a Urban Home Loans relationship with you in relation to this website.If you disagree with any part of these terms and conditions, please do not use Urban Home Loans’ website. The term Urban Commercial Group Pty Ltd t/a Urban Home Loans refers to the owner of the website. The term ‘you’ refers to the user or viewer of our website.

The use of this website is subject to the following terms of use:

The content of the pages of this website is for your general information and use only. It is subject to change without notice.

Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.

From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).

Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.

This website contains material which is owned by Urban Commercial Group Pty Ltd t/a Urban Home Loans. This material includes, but is not limited to, the design, layout, look, appearance and graphics. Reproduction is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

All trademarks reproduced in this website, which are not the property of, are licensed to the operator.

Unauthorised use of this website may give rise to a claim for damages and/or be a criminal offence(s).

By making an online enquiry with your full name, email address and contact phone number, you give us permission to make contact with yourself via these methods with marketing materials and product updates. You may unsubscribe from these communications anytime by sending an email detailing your request to

All images, graphics, HTML coding, Text, Adobe Flash files, PDF Documents, JavaScript, Audio and Video on this website are the sole Copyright © of Urban Commercial Group Pty Ltd t/a Urban Home Loans. None of these objects may be copied for any re-use, external transmission and/or distribution and may not be used, modified or posted on any other websites without the permission of the Urban Commercial Group Pty Ltd t/a Urban Home Loans. This website may contain information and content that is subject to the legal intellectual rights of a third party or parties.


These Terms of Business describe the terms on which we will conduct business with you.

Tax Invoice(s)

References to Tax Invoice(s) refer to a standard form Tax Invoice that will be issued to you personally to enable you to make payment for any services we provide.

Schedule of Fees

Consultation Fee = $900 plus GST per hour (minimum charge of 1 hour)

Professional Fees = $450 plus GST per hour

Documentation Fees = Variable

Other Fees = On quote

The nature of the above fees and their delivery is described in the Costs section of these terms.


‘We’, ‘our’, ‘us’ means Urban Commercial Group Pty Ltd ACN 134 168 540. ‘You’ and ‘your’ means the person who engaged our services and is noted in the Tax Invoice. ‘Terms’ means this document.


We provide a range our services across many industries. Our services include, but are not limited to, consultancy for credit, property, and information technologies.

Scope of Works

We will provide you with a fixed-fee consultation and any applicable subsequent ongoing work. This exact nature of the Scope of Works is detailed in your Tax Invoice.


(a) At all times we will seek to maintain the confidentiality of your confidential information.

(b) We may, on a confidential basis, provide your information to third parties where we consider it is appropriate for the proper conduct of your matter. This may include our employees and contractors, and any bodies corporate, or third parties that may assist you.

(c) We may disclose your information where permitted or required by law to do so, or where such information is no longer confidential.

(d) You must keep the terms of our engagement confidential, including our rates and fees.

Storing and Providing Material Electronically

We use international cloud computing services to safely store e-mails, documents and information that we send to and receive from you.  We are able to send electronic mail to you and receive electronic mail from you. However, as such mail is not secure it may be copied, recorded, read or interfered with by third parties while in transit. If you ask us to provide or transmit any document or information electronically, by email or other online or electronic system for sharing or storing documents, you release us from any claim you may have as a result of any unauthorised copying, recording, reading or interference with that document or information after transmission, for any delay or non-delivery of any document or information and for any damage caused to your system or any files by a transfer.


We are required and committed to protecting your personal information in accordance with our obligations under the Privacy Act 1988 (Cth), the Australian Privacy Principles and our Privacy Policy. Personal information about you, provided by you and other sources, is protected under the Privacy Amendment (Private Sector) Act 2000 (Cth.). Disclosure of such information may be compelled by law (e.g. under the Social Security Act 1991 (Cth)). You also authorise us to disclose such information where necessary to others in furtherance of your claim/matter.


The Costs associated with these Terms include consultation, professional, and documentation fees. The nature of each fee is described below.

(a) Consultation Fee

Your consultation will be provided in person at our office, or by telephone, or by webinar. The fee for the consultation is a fixed price  and the amount is disclosed on your Tax Invoice. The duration of the consultation may vary according to the complexity of your situation. The purpose of the consultation is to complete a detailed assessment which includes but not limited to:

–               Identifying your needs and requirements

–               Determining your goals and objectives

–               Discussing of your current financial positions

–               Verifying your personal information

You will not be provided with credit assistance as defined by Section 8 of the National Consumer Credit Protection Act 2009.

(b) Professional Fees

If you request additional work beyond the fixed-fee consultation, we will charge you professional fees for the work we do based on an hourly rate of $450 plus GST. You will be proportionately charged for work involving shorter periods less than an hour, on a pro-rata basis for time spent.

(c) Documentation Fee

If you request us to provide documents, these are charged at $25 plus GST per document. The requested documents may be provided to you in hard-copy by standard post or electronically.

Payment Terms

Payments of the Costs are due within 7 days of receiving the Tax Invoice or any other date that the Tax Invoice specifies. Payment methods on how to pay are contained within the Tax Invoice.

Interest Charges

Interest at the rate of 2% per annum calculated daily will be charged on any amount unpaid after the expiry of 7 days after you receive the Tax Invoice.


Where the provision of Services depends on your information or response, we have no liability for a failure to perform the Services in this estimated period, which is affected by your delay in response, incomplete or incorrect information.


We will not be responsible for any reliance on information provided to you during provision of Services unless otherwise stated by us in writing.


Where applicable, GST is payable on Costs and will be clearly shown on the Tax Invoice. By accepting the Terms you agree to pay us an amount equivalent to the GST imposed on these charges.


We do not provide advice in other areas, including tax, financial planning, accounting, insurance, or legal matters. You should seek advice from a specialist, including an accountant, financial adviser, insurance broker or other qualified adviser regarding tax, financial planning, accounting matters and insurance, if required. You should speak to a lawyer about legal matters.

Your Obligations

You warrant that throughout the terms of engagement that:

(a) you are properly authorised to engage us and instruct us on behalf of any company, partnership, trust or other entity that you say that you represent;

(b) there are no legal restrictions preventing you from agreeing to the Terms;

(c) you will cooperate with us and provide us with information and comply with requirements in a timely manner, as requested by us from time to time, that are reasonably necessary to enable us to perform the Services;

(d) the information you provide to us is true, correct and complete;


Each party that the Tax Invoice is addressed to is wholly liable to payment of any Costs born from the Terms.

Your rights

You have the right to obtain independent legal advice before agreeing to the Terms.


Either party may terminate the Terms by written notice at any time. If you do so you will be required to pay the Costs born from the Terms.

Third party advice and services

On request by you, we may provide you with contact details of third party specialists. This is not a recommendation by us for you to seek their advice or to use their services. We make no representation or warranty about the third party advice or provision of services. We disclaim all responsibility and liability for all losses, damages, expenses and costs that you or any person may incur due to the third party advice or provision of services, or failure to advise or provide services.


We may provide commissions or benefits for the referral of potential clients to us from referral partners; and, receive commissions or benefits for the referral of potential clients from us to referral partners. You may refuse any referral.


The Terms are personal to the parties. A party must not assign or deal with the whole or any part of its rights or obligations under the Terms without the prior written consent of the other party (such consent not to be unreasonably withheld). In the event that a payment is has not been made by the required date, we reserve the right to assign the Terms to a third party.


If any provision (or part of it) of the Terms is held to be unenforceable or invalid in any jurisdiction, then it will be interpreted as narrowly as necessary to allow it to be enforceable or valid. If a provision (or part of it) of these Terms cannot be interpreted as narrowly as necessary to allow it to be enforceable or valid, then the provision (or part of it) must be severed from the Terms and the remaining provisions (and remaining part of the provision) of the Terms are valid and enforceable.

Jurisdiction & Governing Law

These Terms are governed and construed in accordance with the laws of Queensland. Each party irrevocably and unconditionally submits to the exclusive jurisdiction of the courts of Queensland.

Acknowledgement and Acceptance

You accept the Terms by paying us, and/or continuing to instruct us. Upon acceptance you agree to our services on these Terms. Our Tax Invoice and these Terms together create our legally binding agreement with you and takes effect from the date that you first contacted us.

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