VSMA Group Pty Ltd (ACN 637 542 520) (“VSMA”) is the owner and operator of this site.

As a user of this site, you agree to be bound by these Terms and Conditions, which are subject to change at the sole discretion of VSMA. Your use of and access to this site indicate your acceptance of these terms and conditions.

Intellectual Property

All intellectual property in relation to material included on this site belongs to VSMA or its licensors, advertisers or affiliates. Users obtain no interest in that property. All material on this site is protected by Australian and international copyright and other intellectual property laws. Users may not do anything which interferes with or breaches those laws or the intellectual property rights in the material.

Users may download and view the material or print a copy of material on this site for personal, non-commercial use provided you do not modify the copy from how it appears on this site (including any copyright notice). All rights not expressly granted under these terms are reserved by VSMA. Users will not use this site for any unlawful purpose.


VSMA does not warrant the accuracy of the content on the site. The content is provided to you “as is” and on an “as available” basis and on the condition that you undertake all responsibility for assessing the accuracy of the content and rely on it at your own risk. All content on this site may be changed at VSMA’s sole discretion and without notice.

The content on this site is a summary only of the subject matter covered, without an assumption of a duty of care by VSMA or its contributors. The summary is not intended to be nor should it be relied on as a substitute for financial or other professional advice.

VSMA will have no responsibility or liability in relation to any loss or damage that you incur, including damage to your software or hardware, arising from your use of or access to this site.


You agree to indemnify VSMA (its respective parents and affiliates and their respective employees and officers) against any loss or damage suffered, or costs incurred, by them in connection with your use of the site or any breach by you of any other legal obligation.

This site may include third party content which is subject to that third party’s terms and conditions of use.

This site may include links to third party sites which are not related to VSMA and in relation to which VSMA has no control or interest. The appearance of those links on this site does not indicate any relationship between VSMA and that third party or any endorsement by VSMA of that third party, its site or the products or services which it is advertising on this site.


VSMA strives to ensure the security, integrity and privacy of personally identifiable information of our customers. We use a variety of physical and electronic security measures including restricting physical access to our offices and firewalls and secure databases to keep personal information secure from misuse, loss or unauthorised use or disclosure. Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure.


©VSMA Group Pty Ltd

Copyright in this material is retained by the Author. Apart from any fair dealing as permitted under the Copyright Act 1968 for the purposes of research or review, no part of this material may be reproduced by any process whatsoever without written permission of the author.


The statements, analyses and opinions contained in this matter are those of the author and are only meant to be a guide. No part of the material can be regarded as legal or financial advice. Although all care has been taken in preparing this material, readers should not rely on the material in either altering their position or refrain from doing so in relation to the subject matter of the material. Neither the author nor the sponsor accept or undertake any duty of care relating to any part of the material. Recipients of the material must take steps to inform themselves before acting on information contained in the material.

Applicable Law

Your use of this site and its terms of use are governed by the laws in force in Victoria, Australia and you submit to the non-exclusive jurisdiction of the courts there.

Privacy Policy

VSMA recognises the importance of protecting the privacy of personally identifiable information collected about our clients. For the purposes of this Privacy Statement, the word ‘clients’ includes visitors to our web sites, subscribers to and users of our services, purchasers of our products and advertising customers. We are bound by the National Privacy Principles in the Privacy Act 1988 (Cth) in relation to the handling of personal information.

We collect personal information when we provide our services to you. Generally, we will tell you why we are collecting information when we collect it and how we plan to use it or these things will be obvious when we collect the information.

We usually collect personal information such as your name, address, telephone number, and in some instances, your financial details. When you are online, we collect information regarding the pages within our network which you visit and what you click on. As a general rule we do not collect sensitive information. However, if we do, it will usually be for the purposes of providing our goods or services and if the law requires us to, we will seek your consent to collect it.

Due Diligence Checklist (Property Purchase)

Before you buy a home, you should be aware of a range of issues that may affect that property and impose restrictions or obligations on you, if you buy it. This checklist aims to help you identify whether any of these issues will affect you. The questions are a starting point only and you may need to seek professional advice to answer some of them. You can find links to organisations and web pages that can help you learn more, by visiting the https://www.consumer.vic.gov.au/duediligencechecklist.


For any person (“Applicant”) seeking to apply for an offer advertised on this site and/or any other site used to advertise an offer approved by VSMA Group Pty Ltd, must abide by the following conditions:

  • The Applicant must be a resident of Australia and over the age of 18.
  • The Applicant must meet VSMA’s eligibility criteria (Call office on 1300 00 VSMA for more details).
  • The Applicant must successfully complete a financial review conducted by VSMA and/or any of its affiliates.
  • The Applicant must not have defaults on their credit report, including bankruptcy.
  • The Applicant must be an owner of a real estate property.

Issuing of offers

  • The offer will not be issued to a Referrer if that person is a member of a couple and the respective partner was/became an Eligible applicant.
  • The name(s) on the application to receive the offer must match the name(s) on an eligible finance assessment.
  • The offer will be presented to the applicant upon successfully completing an office consultation, where their financial position will be reviewed.
  • The office presentation will be held at VSMA’s office on L8, 10 Queens Road, Melbourne, VIC, 3004.

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