Last updated: 12 November 2026

This Credit Guide gives you important information about us, the services we provide, how we are paid and what to do if you have a complaint. We will also give you a personalised Credit Guide and Privacy Disclosure Statement before we provide credit assistance to you.

About us

Kings’ Lending is an authorised credit representative of Connective Credit Services Pty Ltd.

Connective Credit Services Pty Ltd is licensed under the National Consumer Credit Protection Act 2009:

  • Licensee: Connective Credit Services Pty Ltd, ABN 51 143 651 496
  • Australian Credit Licence Number: 389328
  • Address: Level 29, 555 Collins Street, Melbourne VIC 3000
  • Phone: 1300 656 637
  • Email: complaints@connective.com.au

Your best interests

We are required by law to act in your best interests when we provide credit assistance, and to put your interests first if there is a conflict. We will explain your options, fees and charges in plain language and tell you about any conflicts of interest.

Credit assistance and our preliminary assessment

We provide credit assistance when we suggest a particular loan with a particular lender, help you apply for a loan or an increase to an existing loan, or suggest you stay in your current loan.

Before we do this, we must assess whether the loan is unsuitable for you. A loan is unsuitable if you would be unable to repay it, or could only repay it with substantial hardship, or if it does not meet your requirements and objectives. Our preliminary assessment records your requirements and objectives, your financial situation and your ability to repay. We will take reasonable steps to verify the information you give us, which may include asking for documents.

You can ask for a free copy of our preliminary assessment for up to 7 years after we provide credit assistance:

  • before the loan settles: as soon as practicable;
  • within 2 years of the loan settling: within 7 business days of your request;
  • between 2 and 7 years after the loan settles: within 21 business days of your request.

Fees you may pay

We are generally paid by lenders, so in most cases you do not pay us a fee. If a fee does apply to your situation, we will tell you in a Credit Quote before we submit your application, and you can decide whether to proceed.

Lenders and other parties may charge their own fees, such as application, valuation or settlement fees. These will be set out in your loan documents.

How we are paid

Our aggregator receives commission from lenders and passes a share of it to us.

  • Upfront commission is paid by the lender after your loan settles and is calculated as a percentage of the loan amount.
  • Trail commission is paid by the lender monthly, based on the outstanding loan balance.

These commissions are not paid by you. The amounts we expect to receive will be shown in the Credit Proposal we give you. We may also occasionally receive non-monetary benefits from lenders or our aggregator, such as training or event attendance. We keep a register of these, which is available on request.

Our aggregator

We access lenders and their products through our aggregator, Connective Broker Services Pty Ltd (ABN 77 161 731 111, Credit Representative 437202, authorised under Australian Credit Licence 389328). The aggregator charges us fees under our agreement with them, which may include a share of commission, a membership fee and fees for each accredited loan writer.

Referrals

If someone referred you to us, such as an accountant, financial planner or real estate agent, we may pay them a fee or commission. Details will be included in your Credit Proposal.

Our lender panel

We can help you apply for loans from a panel of lenders available through Connective. The full panel is listed on the Connective lender panel page. Details of the lenders we use most often are included in your personalised Credit Guide, or available on request.

Things you should know

We do not provide legal or financial planning advice. Before you sign a loan contract, make sure you understand your legal obligations and the financial consequences. If you are unsure, you should get independent legal and financial advice.

Complaints and dispute resolution

If you are not happy with our service, please tell us, either verbally or in writing, so we can try to resolve it quickly and fairly:

If we cannot resolve it, you can make a complaint in writing to our credit licensee:

If your complaint is not resolved, or you have not received a response within 30 days, you can take it to the Australian Financial Complaints Authority (AFCA), a free and independent service:

  • Phone: 1800 931 678 (free call)
  • Email: info@afca.org.au
  • Website: www.afca.org.au
  • Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Time limits may apply to complaints made to AFCA, so you should act promptly. Check the AFCA website for details.

More information

If you have any questions about this Credit Guide or our services, please get in touch. Our Privacy Policy explains how we handle your personal information.