Terms and Conditions

Please read these terms and conditions carefully. By accessing this website, you agree to be bound by the terms and conditions below.

The use of Us, Our or We throughout these terms and conditions refer to:

Moorhen Finance Pty Ltd ABN 45 139 785 809 Corporate Credit Representative 446705

Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by us unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without our specific written consent.

General Advice Warning

The advice contained on this site does not take into account any persons particular objectives, needs or financial situation. Before making a decision regarding the acquisition a Credit Product, persons should assess whether the advice is appropriate to their objectives, needs or financial situation. We recommend you obtain advice before acting upon any of the information on this site. No responsibility is taken for persons acting on the information on this site. Persons doing so, do so at their own risk.

Calculators and Assumptions

Any calculators available on the site are designed to give you some examples of different financial scenarios, based on stated assumptions and the figures you input. The calculations are intended as estimates only; and they are not meant to be kept or used for any practical purpose, or as a substitute for professional financial advice. Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites has been prepared without consideration of your particular circumstances and should be viewed as generic information only and not as indicating that you should follow a particular course of action.

While we have based the information on sources that we believe are reliable and accurate, your actual outcomes will depend on a range of factors outside of our control. So you shouldn’t rely on these calculators when you’re making decisions about lending and/or financing. Instead, you should consider getting credit advice from a Credit Representative.

Links to Third Party Sites

Our web site may contain links to external web sites. Whilst such links are provided for your convenience, you should be aware that the information handling practices of the linked web sites might not be the same as ours and do not constitute endorsement of material at those sites or any associated organisation product or service. These external information sources are outside our control. It is the responsibility of users to make their own decisions about the accuracy, currency, reliability and correctness of the information at those sites. By accessing information at or through this site each user waives and releases us to the full extent permitted by law from any and all claims relating to the usage of the material made available through the website. In no event shall we be liable for any incident or consequential damages resulting from use of the material. Each website will have its own privacy policy and security standards and you should check these as we cannot confirm what standards these third party websites may adopt.

Terms of Use/Governing Law

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 Western Australia 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.

Limitation of liability

We do not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. We recommend 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, We accept 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.


Client Story

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Bill made the whole process of us get a mortgage simple, however, I know it wasn't because we are small business owners with an investment property and therefore have complex accounts. Our interest rate is still very competitive today, which isn't always the case in our situation. I highly recommend Bill Elmer to get you the best mortgage for your circumstance.
Michael & Holly
An expert mortgage broker
Thanks to Bill and his expert advice, my wife and myself were able to not only refinance our house but we were also able to do a few renovations while reducing our interest rate at the same time! He also assisted us with the financing to enable us to purchase our first investment property. He gave us the information we needed to move forward in a way we could understand, making the process very easy. Almost 2 years on now and not only have we recommended him to friends and family, we have started discussions again with Bill to increase our investment property portfolio.
Alan and Sarah C
Made the process very easy
My wife and I were looking to purchase our first house and weren't sure where to start when it came to looking for a mortgage. Bill helped us by finding the best one for our circumstances, saving us a lot of time and money. The result was a great low rate and a much less stressful experience than if we tried to do things ourselves.
Jono and Alicia H
Saved us so much time & money
Bill was introduced to us by our son-in-law, and that was the best introduction for our financial future. Bill has been patient, consistent and most professional in all aspects. His dedication in finding us the best loan for the re-financing of our home loan has given us the confidence for our financial future. We are very grateful and value his time, advise and direction.
Vasu and Kamini G.
Confidence for our financial future
A big THANKS to Bill for all his hard work and efforts in making our dreams come true. We had a complicated loan application and needed approval to meet a dead line in settling both a sale and a purchase taking place within a same week. Bill had taken every possible action, put great efforts and kept us in the loop constantly till he managed to resolve all issues in a very timely and professional manner. Great job you have done Bill.
Eva and Joe K.
Made our dreams come true
I contacted Bill Elmer for assistance with my finances after the sudden passing of my husband. Unexpected expenses and a big change in income was making it difficult to meet commitments. After discussing my options Bill set about assisting me in every way. He arranged a refinance of my existing mortgage that has completely turned my situation around and I'm moving forward again, feeling much more secure and in control financially. I can't thank Bill enough for his support, advice and for all the work he put into my refinance.
Donnar C.
Completely turned my situation around
As a relatively new home owner with my first home loan I hadn't thought about re-financing till I spoke with Bill. Bill was able to secure a much better interest rate which improved my weekly cashflow and was so incredibly helpful especially while having to foot some hefty medical bills. Having my car loan and home loan all in one with a better interest rate has been a life saver for my cash flow and has taken a lot of stress out of my life.
Deborah C.
Improved my weekly cashflow
As we all know the mortgage and loans realm can be both daunting and overwhelming. We were lucky enough to have Bill make this easy for us. He took all the hard work out if it, really took the time to understand both our situation and goals, and achieved a great result. The service he provided was very personal and nothing seemed like too much trouble. Highly recommended.
David and Julie C.
Made it so easy for us!
Dear Bill, It was a pleasure to do business with you! We would like to say a big Thank you for the tremendous Job you did with our refinancing of the Loans. Merry Christmas and a Happy, Healthy New Year to you and your Family.
Beat and Cynthia W.
Pleasure doing business!
Just a quick note to thank you for your assistance with our mortgage refinancing. Stressful and complicated at times for us. With having to get certain information copied, signed by a JP and tabled due to changing Government legislation. You managed to keep us informed at every stage. Your knowledge of products available to suit our needs was very impressive. Thank you very much.
Wayne and Melissa A.
Absolutely amazing at what they do

Home Loans
We make the process of finding the right home loan as simple as possible.


First Home Buyers
Looking for your first home? We'll help find the best deal possible.


Refinancing Loans
Are you paying too much or wanting to unlock equity from your current loan?


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