DISCLAIMER Important Notice The products and services described in this site are available only to Australian residents and in relation to property in Australia. Applications from people other than Australian residents will not be accepted online, however please contact us on 1800 078 968 to discuss your needs. The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia. The information in this site is current at the date of publication but may be subject to change. Lawrence Commercial Pty Ltd does not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. Lawrence Commercial Pty Ltd recommends that you seek independent advice before acting on any information in this site. Subject to any terms implied by law and which cannot be excluded, Lawrence Commercial Pty Ltd accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this site. All applications for credit are subject to Lawrence Commercial Pty Ltd's respective panel of lenders and their individual credit assessment criteria. Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, Lawrence Commercial Pty Ltd recommends that you consider whether it is appropriate for your circumstances. A Product Disclosure Statement (PDS) or Financial Services Guide (FSG) may be available for products on this website. Refer to the product web page, or phone 1300 136 534 for specific products, to see if a PDS or FSG is available. If a PDS or FSG is available, Lawrence Commercial Pty Ltd recommends you consider the PDS or FSG before making any decisions regarding a product. All products on this website are available through Lawrence Commercial Pty Ltd ABN 41 125 551 564. Lawrence Commercial Pty Ltd ABN 41 125 551 564 Product Disclaimer Commission charges may be payable on certain transactions. Lawrence Commercial may receive a commission for insurance, financial planning and lending facilities issued. Standard credit assessment criterion applies for each respective lender. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it.  You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it.  You can obtain a copy of those documents by contacting Lawrence Commercial.