Terms of Use

Who we are

This website is operated by Xandii Group Pty Ltd (ABN 57 697 021 686). Credit assistance is provided by Xandii Home Loans Pty Ltd (ABN 35 699 885 802), a credit representative of Connective Credit Services Pty Ltd (Australian Credit Licence 389328).

General information only

The content of this website is general information. It is not legal, tax or financial advice, and it does not take into account your objectives, financial situation or needs. Before acting on anything you read here, consider whether it is appropriate for your circumstances, and seek professional advice where you need it.

Estimates, not offers

The figures produced by our comparison tool and calculators are indicative estimates based on the information you enter. They are not a loan offer, a quote, or an indication that any lender will approve an application. Actual outcomes vary between lenders, and each lender applies its own credit assessment criteria, policies and buffers to your verified financial situation.

The information you enter

Information you enter on this website is transmitted and held securely: it is encrypted in transit and at rest and hosted in Australia. What we collect, why, who we share it with, and the rights you have are set out in our Privacy Policy. You are responsible for the accuracy of the information you enter, and you must not submit personal information about another person unless you are authorised to do so.

What this website records

Using this site creates some technical records beyond the details you type in. Our Privacy Policy is the document that sets out how personal information is handled and the rights you have, and this is not a substitute for it. What follows is a plain-English description of what the website itself keeps, set out here because we would rather you could see it. We describe each thing only while it is running.

What stays in your browser. What you enter into the home loan comparison tool is kept in your browser, on your own device, while the tab is open. That is what lets you move between pages, or reload, without starting again, and it clears when you close the tab. Your browser also holds a short random code for the visit, which lets the different parts of the site treat it as one visit rather than several. It is not linked to your name. If you arrived from an ad or a referral link, the code identifying that link is kept the same way, so that, if you contact us, we can tell which link brought you here. That code goes with your details if you send them to us through one of our forms. If you arrived from a Google ad and then use the comparison tool, our server also tells Google that someone who clicked that ad went on to use it. It does that for three things only: that you started filling the tool in, that it produced results for you, and that you pressed one of its buttons asking us for a call. That is how Google learns which of its ads bring people who actually use the site. We send the click code, which of those three things happened and when, not your name, your contact details, any of your figures or the lenders you were shown. The Google tags described below also read that code in your browser and send it to Google themselves.

Carrying your answers into an application. If you go on to start an online application, the figures you have already given are carried across so that you do not enter them twice. Every one of them stays editable on the application form before you submit it. Our application form sits on a separate Xandii website, and a browser cannot pass information between two sites on its own. So when you click through, those figures are held briefly on our servers in Australia for the single purpose of handing them to the application form. They carry no name, email address or phone number. They are deleted as soon as the form collects them, and if you never arrive they stop working after ten minutes and are then deleted. If you sent us an enquiry earlier in the same visit, a reference to that enquiry is carried too, so the two can be connected.

How we measure the way the site is used. We keep a count of how far people get: which pages of the site a visit reached, that the comparison tool was opened, that a form was started, that results were shown, that a button was clicked. We record which of our calculators get used, but never the figures you type into one or the answers it gives you. Those stay in your browser. We also record how far down a page a visit read, as one of four rough marks (a quarter, half, three quarters, all of it), and how long it stayed on a page or on one step of the comparison tool. That is how we tell a page people read from one they left straight away, which is the difference we could not see before. These records carry no personal or financial details. No name, no contact details, no income, and no dollar amounts. What they do hold is the shape of the visit: whether the loan was for a home to live in or an investment, how many applicants there were, which button was pressed and on which lender’s card, a rounded band (for example, that the loan was around 80% of the property value), and whether the visit was on a phone or a computer. They are tied to the random code for the visit, not to you, and are kept for about 90 days.

We also record where a visit came from: the campaign tags on the link you followed, and the name of the website that linked to you (the site, not the page). That tells us which of our ads and articles are worth continuing with. All of these funnel records are kept in our own account in Australia.

Advertising and analytics tags. On our home page, our campaign landing pages and the comparison tool page, we run two pieces of code from Google. One is an advertising tag, which lets us show our ads again to people who have already visited, so you may see a Xandii ad elsewhere on the web later. The other is Google Analytics, which we use to see how the site is being used overall. Both store cookies, which are small files your browser keeps. They run on those pages only: they are not on the online application form. They record which page you were on, not what you typed into it, and they never see the figures you enter into the comparison tool. They also record which website sent you here, if one did. They may also be told which of our own pages you came from, if you reach one of those pages by loading it afresh from elsewhere on our site, but never what you typed there. They also receive your IP address, the address your internet connection uses, as any website you visit does. They record the general area you are in, down to your city and never your street address, along with details of the device and browser you are using. This is the standard information Google collects when either tag runs. What they do record goes to Google, which stores and processes it overseas. Your browser settings, and any ad blocker, can stop them if you would rather they did not run.

Faults and page speed. To find pages that break or load slowly, the site sends us technical diagnostics: faults in the page code and where they happened, how long pages and their parts took to load, and how our own requests performed. It also records the pages seen during a visit, their titles, and the page you came from, because a fault tells us little without the page that produced it.

This runs on Amazon Web Services, in our own account, in Australia. None of it goes to an advertising or analytics company, and none of it is used to build a profile of you. It stores one small item on your device, a browser storage entry called cwr_c, holding the temporary credentials the page needs in order to send those reports. Unlike the things above, that one stays until you clear your browser storage for this site.

Acceptable use

You may use this website for your own personal, non-commercial purposes. You must not misuse the site: do not attempt to gain unauthorised access to it or its systems, interfere with its operation, scrape or bulk-extract its content by automated means, or use it in a way that breaks the law.

Accuracy and availability

Lender rates and policies change often. We work to keep the information on this site current (the footer of each page shows when lender data was last updated), but we cannot promise it is complete, accurate or up to date at every moment, and we may change or withdraw content at any time. We do not promise the site will be available without interruption.

Intellectual property

The content of this website, including its text, design and branding, belongs to Xandii Group Pty Ltd or its licensors. Lender names and logos belong to their respective owners. You may not reproduce site content for commercial purposes without our written permission.

Liability

To the extent permitted by law, we are not liable for loss arising from your use of this website or reliance on its general information. Nothing in these terms excludes, restricts or modifies any consumer guarantee or other right you have under the Australian Consumer Law or other legislation that cannot be excluded.

Changes to these terms

We may update these terms from time to time. The version published on this page is the one that applies, and the date below shows when it last changed.

Contact

Questions about these terms are welcome at info@xandii.com.au.

Last updated: 21 July 2026.