About This Website
This website (www.stackup.com.au) is operated by:
- Monolife Pty Ltd (ABN 80 368 857 310) trading as Stackup Properties
- Capitall Pty Ltd (ABN 17 695 007 857) trading as Stackup Loans
Together referred to as "Stackup", "we", "us", or "our".
Nature of Services
This website provides information about property buyer's agency services, mortgage broking services, and general property and lending information.
Mortgage broking services are provided by Capitall Pty Ltd (Stackup Loans) as a Credit Representative (CRN 558000) of Connective Credit Services.
General Information Disclaimer
The information on this website is general in nature only and does not take into account your financial situation, objectives, or needs. You should seek independent financial, legal, and tax advice before acting on any information.
No Financial or Credit Advice
Content on this website does not constitute personal financial advice, credit advice, or investment advice. Any finance-related examples, borrowing capacity estimates, or scenarios are:
- Indicative only
- Subject to lender approval
- Subject to verification and eligibility
Website Use
You agree to use the website lawfully, not interfere with website functionality, and not attempt unauthorised access.
Intellectual Property
All content including branding (Stackup, Stackup Properties, Stackup Loans), text, graphics, and layout is owned or licensed by us and may not be reproduced without permission.
Third-Party Links
We may include links to third-party websites. We do not control these websites and are not responsible for their content.
Limitation of Liability
To the extent permitted by law, we are not liable for any loss arising from reliance on website content, errors or omissions, or delays or interruptions.
Engagement of Services
Any engagement of services (buyer's agency or mortgage broking) will be subject to formal agreements and credit guide and regulatory disclosures (for lending services).
Privacy
Your use of this website is subject to our Privacy Policy.
Changes to Terms
We may update these Terms at any time. Continued use constitutes acceptance.
Governing Law
These Terms are governed by the laws of New South Wales, Australia.
Who We Are
This Privacy Policy applies to:
- Monolife Pty Ltd (ABN 80 368 857 310) — Stackup Properties
- Capitall Pty Ltd (ABN 17 695 007 857) — Stackup Loans
Compliance with Australian Law
We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), regulated by the Office of the Australian Information Commissioner.
What Information We Collect
Personal Information
- Name, email address, phone number
Additional Information (if you engage services)
- Financial and employment details
- Property preferences and information
- Loan requirements
Website Data
- IP address, browser type, pages visited, cookies
How We Collect Information
We collect information via website forms, phone, email and direct communication, and CRM systems used internally to manage enquiries.
Purpose of Collection
We collect your information to:
- Respond to enquiries
- Provide buyer's agency services
- Provide mortgage broking services
- Match you with suitable lenders or properties
- Comply with legal obligations
Consent to Use and Disclosure
We will not share your personal information without your consent, except where required by law. Where you provide consent, we may share with:
- Lenders and financial institutions
- Real estate agents
- Conveyancers and solicitors
- Professional service providers
Mortgage Broking Disclosure
For lending services, Capitall Pty Ltd (Stackup Loans) acts as a Credit Representative (CRN 558000) of Connective Credit Services. We may collect and verify information required under the National Consumer Credit Protection Act 2009 (Cth).
Data Storage and Security
We take reasonable steps to protect your information, including secure cloud storage, controlled access to data, and industry-standard safeguards.
Overseas Disclosure
Some service providers (e.g., cloud or CRM systems) may store data overseas. We take reasonable steps to ensure data is handled securely.
Cookies
We use cookies to improve website functionality, analyse traffic, and enhance user experience. You can disable cookies via your browser settings.
Access and Correction
You may request access to or correction of your personal information by contacting us directly.
Complaints
If you have concerns about your privacy, contact us first. If unresolved, you can contact the Office of the Australian Information Commissioner.
Updates to This Policy
We may update this Privacy Policy from time to time. Continued use constitutes acceptance.
About This Credit Guide
This Credit Guide provides you with important information about who we are, the services we provide, how we are paid, and your rights as a client.
Who We Are
Capitall Pty Ltd trading as Stackup Loans
ABN: 17 695 007 857
Credit Representative Number (CRN): 558000
We are authorised to provide credit assistance on behalf of:
Connective Credit Services
Australian Credit Licence (ACL): 389328
What We Do
We provide credit assistance to help you understand your borrowing capacity, compare loan products, and apply for a loan that suits your needs. This may include:
- Home loans
- Investment loans
- Refinancing
- SMSF lending (where applicable)
- Low doc / alternative lending
Our Obligations to You
We are required to act in your best interests and make reasonable inquiries about your:
- Financial situation
- Requirements and objectives
We will take reasonable steps to verify your information and recommend loans that are not unsuitable for you.
Fees and Charges
Fees Paid by You
In most cases, we do not charge you a fee. In certain circumstances a fee may apply — this will be disclosed in writing and agreed before proceeding.
Commission We Receive
We may receive commissions from lenders. These are not payable by you.
- Upfront Commission — a percentage of the loan amount, paid by the lender after settlement
- Ongoing (Trail) Commission — paid over time, based on the remaining loan balance
Referrals
We may refer you to real estate agents, conveyancers, or financial professionals. We may receive a referral fee in some cases — if so, we will disclose this to you.
Your Information
We collect personal and financial information to assess loan suitability, submit applications to lenders, and comply with legal obligations. Your information is handled in accordance with our Privacy Policy.
Lender Panel
We have access to a panel of lenders. We do not compare every lender in the market, but we aim to provide competitive options and recommend suitable products for your situation.
Complaints and Dispute Resolution
If you have a complaint, please contact us first:
Stackup Loans
Email: hello@stackup.com.au
Phone: 0404 13 12 17
If not satisfied, you may contact our licensee Connective Credit Services.
External Dispute Resolution
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au
AFCA provides free, independent dispute resolution.
Things You Should Know
- Provide accurate and complete information
- Read all loan documents carefully
- Seek independent advice if needed
How to Contact Us
Stackup Loans (Capitall Pty Ltd)
ABN: 17 695 007 857
Phone: 0404 13 12 17
Email: hello@stackup.com.au
Website: www.stackup.com.au