Website Terms and Conditions
Last updated 22 October 2026
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These terms explain how you can use this website, including our calculators and tools, and the limits of the information on it.
Who we are
This website is operated by Illuminate Home Loans, a trading name of Inicio Enterprises Pty Ltd ACN 659 301 676 ATF PJ Walton Family Trust, authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence 387025. By using this website, you agree to these terms.
Information is general only
The information on this website is general in nature. It does not take into account your objectives, financial situation or needs, and it is not credit assistance, financial advice or a recommendation to apply for any particular product.
Before acting on anything you read here, consider whether it is right for your circumstances. When we provide credit assistance, we will make inquiries about your situation first, as set out in our Credit Guide.
Calculators and tools
Any calculators, quizzes and tools on this website give estimates and general illustrations only. Their results depend on the information you enter and the assumptions built into them. They are not quotes, loan offers, pre-approvals or indications that any lender will approve an application.
Every application is subject to a full assessment of your circumstances and the relevant lender’s criteria.
Your use of this website
You may use this website for your own personal, non-commercial purposes. You must not misuse it, attempt to gain unauthorised access to any part of it, or use it in any way that breaks the law.
Intellectual property
The content on this website, including text, images, logos and design, belongs to us or our licensors. You may not reproduce or distribute it without our written permission, other than as permitted by law.
Links to other websites
This website may link to websites run by other organisations, including government scheme pages and lender resources. Those links are provided for convenience. We do not control those websites and are not responsible for their content.
Liability
To the extent permitted by law, we are not liable for any loss arising from your use of this website or reliance on information published on it. Nothing in these terms excludes rights you have under the Australian Consumer Law or other laws that cannot be excluded.
Changes to these terms
We may update these terms from time to time. The date at the top of this page shows when they were last changed. Continuing to use the website after a change means you accept the updated terms.
Questions about this page?
Call us on 0495 043 101 or email hello@illuminatehomeloans.com.au. We’re happy to walk you through it.