Impact Brokers
How We Act in Your Best Interests
Our Obligation: Acting in Your Best Interests
As finance brokers, we are legally required under the National Consumer Credit Protection Act 2009 to act in your best interests when providing credit assistance. This isn’t just a legal obligation – it’s the foundation of how we work.
Why Purpose-Aligned Clients Choose Us
We support purpose-driven businesses, social enterprises and everyday Australians seeking values-aligned finance. From first-home buyers to impact founders and NDIS providers, we listen first and tailor lending strategies that serve your goals, community and planet.
What is the Best Interests Duty?
The best interests duty requires us to:
We help:
- Act in your best interests: We must provide credit assistance that serves your interests, not ours.
- Prioritise your interests: If any conflict arises between your interests and ours (or those of lenders or related parties), we must put your interests first.
- Consider your circumstances: We assess your individual situation, goals, and financial position.
- Present suitable options: We provide options that align with what’s best for you.
- Explain our reasoning: We clearly explain why our recommendations serve your best interests.
This duty applies every time we provide credit assistance – whether you’re getting a new loan, refinancing, or reviewing your lending arrangements.
How We Fulfil This Duty
Our process ensures every recommendation is made with care, transparency, and your goals in mind.
Understand Your Situation
We make detailed enquiries about your financial circumstances, goals, priorities, and values — so we can understand what truly matters to you.
Assess Your Options
We consider a range of products from our lender panel, comparing cost, features, suitability, ethical commitments, and your eligibility.
Make Recommendations
We present options and explain why our recommended solution is in your best interests, how it fits your circumstances, what alternatives were considered, and any trade-offs involved.
Support Your Decision
We provide clear information to help you make informed choices, assist through the application process, remain available for questions, and document our reasoning for full transparency.
Every step of this process is designed to ensure our recommendations are genuinely in your best interests.
Point-in-Time Assessments
Our recommendations are based on your circumstances and the products available at the time we provide credit assistance. Your situation, lender policies, and market conditions may change over time.
We encourage you to contact us if:
- Your personal or financial circumstances change.
- You would like us to review your lending arrangements.
- You have questions about your existing loans.
- You’re considering refinancing or taking on additional credit.
While we’re not required to conduct periodic reviews, we’re always available to reassess what’s in your best interests whenever you need us.
Disclaimer
Eligibility criteria, terms and conditions apply. Rates, fees and offers vary between lenders and are subject to change without notice. All lending is subject to lender approval, individual credit assessment, responsible lending assessment, and lending criteria.
The information provided on this website is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether the information or services are appropriate for your circumstances and seek independent financial, legal or tax advice before making any decision.
Best Interests Duty
As your finance brokers, we are legally required under the National Consumer Credit Protection Act 2009 to act in your best interests when providing credit assistance, and to prioritise your interests ahead of our own or those of any related parties if a conflict arises. Our recommendations are based on your individual circumstances and the products available at the time we provide credit assistance.
Lender Panel
We work with a carefully selected panel of lenders. While we maintain relationships with multiple lenders who publicly commit to ethical, sustainable, or socially responsible practices, we do not have access to every lender or product in the Australian market. We rely on publicly available information about lenders and cannot guarantee their ongoing ethical performance. All references to ethical or impact lending are made in good faith and are not to be taken as financial advice or product endorsement.
Ethical Finance Australia Pty Ltd (ABN 12 601 144 932) trading as Impact Brokers (Credit Representative No. 466398) and Yasmine Shah (Credit Representative No. 540047) are Authorised Credit Representatives of QED Credit Services Pty Ltd (ACL 387856).
We provide credit assistance and referrals in accordance with the National Consumer Credit Protection Act 2009 (NCCP). We do not make lending or credit approval decisions on behalf of any lender.