Last updated: 31 July 2026 · Pace Financial Services Pty Ltd trading as Homli · ABN 80 092 349 909
These terms define the Homli Guarantee and how our service fee works. They apply whenever you engage Homli for credit assistance in connection with the Australian Government 5% Deposit Scheme, alongside the engagement documents we give you before you pay anything. Plain English throughout — because a promise only counts if you can understand it.
Within 30 days, you'll be ready to make offers on homes — or you don't pay us. Specifically, within 30 calendar days of your Start Date, we will deliver both of the following, or refund our service fee in full:
Your Start Date is the day on which both of these have happened: (a) you've paid our service fee, and (b) we've received all documents on your document checklist. We'll confirm your Start Date to you in writing, so there's never any doubt about the deadline. Days are calendar days, including weekends and public holidays.
The guarantee assumes we're working together. You agree to provide information that is true, complete and up to date, and to respond to our document and information requests promptly. Across your whole file, you have a total allowance of 5 days for returning requested documents and information. If your combined response time exceeds 5 days, the 30-day deadline extends by one day for every additional day — nothing is lost, the clock simply pauses on us while we're waiting on you. We'll always tell you what we need and when we need it by.
If we don't deliver both items in section 1 by your deadline, our service fee is refunded in full — no forms, no argument. Refunds are processed within 7 business days to your original payment method. And we don't stop: we'll keep working on your file at no further cost until you own your first home, or for 12 months from your Start Date — whichever comes first. A defined period keeps our commitment meaningful and our team available to every client; beyond 12 months, continued support is at our discretion, offered in good faith where you're genuinely close. This ongoing support assumes you remain actively proceeding — responding to our requests and genuinely house-hunting; if your search pauses, the period isn't extended by the pause.
If it turns out we cannot obtain pre-approval for you at all, our service fee is refunded in full. We only take on files we genuinely believe we can get approved — and we only charge clients who are in a position to proceed. If our initial assessment shows you're not ready yet, we won't charge you anything: you'll receive a free plan instead, and we'll pick things up when you're ready.
Life happens. If your circumstances change through no fault of your own before your pre-approval is issued — for example, an unexpected change to your employment — and this prevents your pre-approval, we will honour a refund of our service fee. Changes that occur after your pre-approval is issued are dealt with under section 10.
Before you pay our fee, we'll give you a written estimate of your expected borrowing power based on your initial assessment. If the lender's actual pre-approved amount comes in $50,000 or more below the bottom end of the range we provided (or below the exact figure, where we provided a single figure rather than a range) and you choose not to proceed, our service fee is refunded in full. If the shortfall is less than $50,000, we'll review a refund request in good faith on a case-by-case basis — our aim is that no one ever pays for an outcome materially different from the one they were told to expect.
Our service fee is a fixed amount, quoted to you in writing before you pay anything, and payable once you've received your initial assessment and choose to proceed to pre-approval or full approval. It covers our full service: your assessment, lender selection and recommendation, preparation and lodgement of your application, securing your scheme place, and support through to settlement. There are no additional Homli fees beyond the quoted fee. We may also receive commission from your lender if your loan settles — details are in the Credit Guide we provide you when you engage us, and we're happy to walk through exactly how we're paid at any time.
The guarantee covers our delivery of pre-approval and your scheme place. It doesn't extend to things outside any broker's control: whether a particular property you choose is acceptable to the lender or eligible under the scheme, auction or negotiation outcomes, lender interest rates or product changes, or delays caused by information that was materially inaccurate or incomplete. Where scheme settings are changed by the government mid-file in a way that affects your eligibility, section 6 applies.
If you decide not to buy. Our service fee pays for work performed — your assessment, lender selection, application preparation and lodgement, and securing your scheme place. If we deliver your pre-approval and you later decide not to purchase a property, the fee is not refundable, as it is payment for that completed work — the 30-day guarantee applies to our delivery of your pre-approval, not to your decision to buy.
If your pre-approval lapses. Pre-approvals typically expire after around 90 days. Your fee includes up to three (3) pre-approval renewals at no extra cost if yours lapses while you're still house-hunting — just ask, and we'll refresh it.
If your situation changes after pre-approval. Unlike changes before pre-approval (section 6), if your circumstances change after pre-approval is issued (for example, a change in employment or income) and this causes issues with obtaining your loan, we may offer a partial or full refund on a case-by-case basis, assessed in good faith.
To claim a refund under these terms, email hello@homlifinance.com.au — that's it. These terms sit alongside, and don't limit, your rights under the Australian Consumer Law and the National Consumer Credit Protection Act, including consumer guarantees that can't be excluded. If we ever disagree about a claim, our complaints process and AFCA (see our Privacy Policy) are available to you at no cost.
Pace Financial Services Pty Ltd trading as Homli · ABN 80 092 349 909 · 11 Clarence Street, Bellerive TAS 7018 · Credit Representative 545396 of Mortgage Australia Group Pty Ltd, Australian Credit Licence 384324 · hello@homlifinance.com.au