BaseRate

Credit Guide

Last updated: 17 August 2026

This Credit Guide is provided to you in accordance with the requirements of the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act). Please read it carefully before proceeding with any credit application.

1. Who We Are

BaseRate is a trading name of Velocity Works Pty Ltd (ABN 21 700 794 056), Corporate Credit Representative 580651 of Scott Iriks, holder of Australian Credit Licence 383122.

Principal place of business: 144 Cambridge St, West Leederville WA 6007
Phone: 08 7562 8829
Email: ask@baserate.com.au

2. What Credit Activities We Engage In

We provide credit assistance. Specifically, we suggest that you apply, or assist you to apply, for a particular credit contract or consumer lease with a credit provider. We also suggest you remain in, or assist you to remain in, a particular credit contract or consumer lease.

We do not provide credit ourselves. All credit is provided by third-party lenders in our panel.

3. Fees and Charges

Fees we charge you: BaseRate charges no fees to consumers for using our platform, receiving credit assistance, or submitting a credit application. A financier may charge its own fees and interest under the credit contract.

Remuneration we receive: If a finance application introduced through BaseRate settles, the financier pays BaseRate a referral fee (commission). The amount can vary by financier and product.

On request, we will provide you with the estimated dollar amount of any commission we expect to receive in connection with your application.

4. Illustrative Rates and Comparison Rates

Illustrative example only. Repayment estimates use a 7.99% p.a. example interest rate and exclude lender-specific fees unless stated. This is not a quote, offer, approval or indication that this rate is available. Your interest rate, comparison rate, fees and repayments will depend on the financier, your circumstances and the final loan details.

A lender-specific comparison rate cannot be calculated from this generic example because lender fees are not included. When you receive a finance option, compare its interest rate, comparison rate, fees, total repayments and terms before proceeding.

5. What to Do If You Have a Complaint

If you have a complaint about our credit activities, please contact us first:

We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.

If we are unable to resolve your complaint to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA):

  • Member: Velocity Works Pty Ltd, member number 124416
  • Website: www.afca.org.au
  • Phone: 1800 931 678 (free call)
  • Email: info@afca.org.au

6. Privacy

We collect your personal information to provide credit assistance services. Please refer to our Privacy Policy for full details of how we handle your information.