By accepting this document, you consent to us (OwnHome Finance Pty Limited ACN 673 239 604 and OwnHome Lending Pty Limited ACN 664 515 842, and our related bodies corporate, affiliates and agents) collecting, using, holding and disclosing personal and credit-related information about you.
Personal information includes any information which may identify you, such as your name, date of birth, address, the number and ages of your dependants, and employment information. If you use our website or mobile applications, we may collect information about your location or activity, including IP address, use of third-party sites, and other user information.
Credit-related information means both:
- Credit information, which is information which includes your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, financial hardship information (including information that any repayments are affected by a financial hardship arrangement) and default information (including overdue payments); payment information; new arrangement information; details of any serious credit infringements; court proceedings information; personal insolvency information; and publicly available information; and
- Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body (CRB), and any information that we derive from it.
We refer to personal information and credit-related information collectively as ‘information’ in this document.
You can find out more about how we deal with your privacy by viewing our Privacy & Credit Reporting Policy at https://ownhome.com/legal/privacy-credit-reporting-policy. If you do not consent to us collecting, using, holding and disclosing your information in accordance with this document, or do not provide us with your information, we may not be able to arrange credit for you or provide other services.
We may disclose your information to third parties, including CRBs, in a form that may enable those third parties to identify you. If we obtain a credit report about you, that information may be recorded and may affect your credit standing.
If you have any questions or concerns about how we handle your information, please contact us on 02 7248 7528 or by writing to us at support@ownhome.com.
Why we collect your personal information
You agree to us collecting, using, storing and disclosing information about you. The purposes for which we collect your information include:
- processing your application for products or services;
- verifying your identity using information held by a CRB and using other online resources;
- managing and administering any products or services provided to you;
- complying with our legal obligations, including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Privacy Act 1988 (Cth) and the National Consumer Credit Protection Act 2009 (Cth); and
- marketing products and services offered by us and by third parties (you may opt out of direct marketing at any time).
How we collect your information
We may collect your information:
- directly from you (including through application forms, telephone calls, emails, our website and mobile applications);
- from third parties such as CRBs, other credit providers, referees, your employer, your representatives (including financial consultants, accountants, lawyers and mortgage brokers), and publicly available sources; and
- from your use of our website or mobile applications (including through cookies, IP addresses and other tracking technologies), which may occur each time you visit our website or use our applications.
Collection of sensitive information
We may, from time to time, collect sensitive information about you, including information about your health. We will only collect sensitive information with your consent, or where otherwise permitted by law. We will notify you at the time of collection of any sensitive information about the specific purposes for which it will be used.
Access to information and privacy and credit reporting policies
You may gain access to the information we hold about you or obtain a copy of our Privacy & Credit Reporting Policy at https://ownhome.com/legal/privacy-credit-reporting-policy or by contacting us on 02 7248 7528 or by writing to us at support@ownhome.com. Our Privacy & Credit Reporting Policy contains information about:
- how you may access your personal information and seek its correction;
- how you may make a privacy-related complaint and how we will deal with such a complaint; and
- the kinds of personal information we collect, hold, use and disclose and our usual practices for handling that information.
Exchange of information with CRBs
We may give information about you to, and receive information about you from, CRBs, including information about your credit worthiness. CRBs may include information about you and this application in reports provided to other lenders to assist them to assess your credit worthiness. We may inform CRBs if you default, fail to meet your repayment obligations, or commit a serious credit infringement. You can ask a CRB not to use a credit report about you for the purposes of pre-screening or direct marketing. You can also ask a CRB not to use or disclose credit reporting information about you if you have reasonable grounds to believe that you have been, or are likely to be, a victim of fraud.
Our Privacy & Credit Reporting Policy contains further information about other relevant matters concerning how we exchange information with CRBs.
The CRBs we may share information with are:
- Equifax Pty Limited – www.equifax.com.au – contact on 13 83 32; see privacy policy at https://www.equifax.com.au/privacy;
- Experian Australia Credit Services Pty Limited – www.experian.com.au – contact on 1300 783 684; see privacy policy at https://www.experian.com.au/privacy-policy-terms-conditions; and
- Illion (Australia) Pty Limited – www.illion.com.au – contact on 13 23 33; see privacy policy at https://www.illion.com.au/privacy-policy.
Disclosing your information to third parties
We may give or receive information about you to or from the following types of entities, bodies or persons. Some of these recipients may be located overseas (see overseas disclosure section below):
- other financiers or credit providers;
- finance brokers, funders, mortgage managers, and other people who assist us to provide our products or services;
- any person who represents you, including financial consultants, accountants, lawyers, mortgage brokers, persons holding power of attorney, guardians and advisers;
- industry bodies, government authorities, tribunals, and courts;
- investors, advisers, trustees, ratings agencies and other businesses assisting us with funding;
- any person where we are authorised or required to do so by law;
- businesses who provide us with services or systems;
- insurers, valuers, and debt collection agencies;
- persons who are, or are likely to be, co-borrowers with you or to guarantee your loan;
- any person to whom you expressly consent us to share information with;
- any of our related entities or associates;
- our agents, contractors or service providers that we engage to carry out our functions and activities;
- your referees and your employer;
- an organisation that assists us to identify, prevent or investigate any fraud, unlawful activity or misconduct (or suspected fraud, unlawful activity or misconduct);
- any person considering acquiring an interest in our business or assets; and
- associated businesses that may want to market products to you.
Customer identification
To verify your identity, we may collect, use and disclose the information derived from your government issued documents (such as your Australian passport, state or territory driver licence, Medicare card, citizenship certificate or birth certificate) to the relevant government agency via the Document Verification Service (DVS), provided we have obtained your express consent to do so. Our use of the DVS may involve the use of third-party systems and services.
Our collection, use and disclosure of your information to the DVS to verify your identity is subject to compliance with our legal obligations under the Privacy Act 1988 (Cth) and our DVS Business User Participation Agreement. The DVS verifies supplied information by checking it against information held by the government agency that originally issued that document. You may withdraw your consent at any time by contacting us at support@ownhome.com or by phoning us on 02 7248 7528.
Verification of your identity is necessary for us to perform our functions and activities and provide products and services to you. If you do not provide evidence of your identity, or your express consent for us to verify your identity using the DVS, we may be unable to verify your identity, and you may not be able to receive products and services from us as a result.
If you wish to make a complaint relating to the collection, use and disclosure of your information for the purposes of verifying your identity with the DVS, you may contact us by emailing us at support@ownhome.com or calling us on 02 7248 7528.
You can find more information about the DVS, including information about the operation and management of the DVS Hub by the Attorney-General’s Department, at www.dvs.gov.au.
If you do not consent to us disclosing your information in this way, we will verify your identity in another way, which may involve requiring you to provide various supporting identification documents (either original or certified copies).
Overseas disclosure
We and the businesses we disclose your information to may disclose your information to businesses located overseas, such as in the USA, Canada, India, Ireland, the United Kingdom, the Philippines or New Zealand.
Overseas entities may be required to disclose your information to relevant foreign authorities under a foreign law. We attempt to select and secure reputable offshore service providers. An overseas entity may not be subject to privacy laws or principles similar to those that apply in Australia. Any information disclosed to an overseas entity may not have the same protection as under the Australian privacy law.
You should understand that, by consenting to us disclosing your information to overseas entities we will not be required to take reasonable steps to ensure the overseas recipient complies with Australian privacy laws, and you may not be able to seek redress for any breach of your privacy which occurs outside of Australia.
Electronic notices
By accepting this form, you consent to receiving notices and other documents from us electronically.
You acknowledge that:
- we may no longer send paper copies of notices, statements, disclosures and other documents to you;
- we may send notices, statements, disclosures and other documents by email, or by emailing you to notify you that the document is displayed on, and can be retrieved from, a website; and
- you need to check your email account regularly for electronic communications from us.
We will send electronic communications to the email address you have nominated in this application.
This form was last updated on 19 October 2026.