We look at a number of different lenders to assess your tailored situation, the interest rate with different lenders varies based on a number of factors, such as credit score and financial history. To find out what your rate will be, get in touch and we can provide you with a quote. It is quick to fill out the form to find out your rate and is completely obligation free.

For our members we waive the introduction fee up to $900. So, the only fees you will pay are to the specific lender for the loan you choose. We do not charge anything on top to find you the loan.

Our brokers can find personal loans for you from $5,000 to a maximum of $80,000, for either 3, 5 or 7 years. It should be noted however, the maximum amount will depend on a number of factors including your credit history.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you do decide to submit a full loan application to a particular lender. They will do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

Fair Wealth Australia is a mutual fund with a discretionary benefit with grants paid on merit.

The contributions are directed into a pool to operate the organisation and distribute grants. The Funeral Savings are for funeral products only.

The Fair Wealth Australia Board is elected from the membership. The Secretary is a paid employee.

Fair Wealth Australia is a non-profit organisation. Any surplus profits are invested back into the Fund.

We have found that the people most in need are least able to afford membership. Therefore, we have devised a program where families and individuals in need can get assistance by applying to receive sponsorship.

Sponsored members are screened and their privacy protected. They will make claims like any other member. The sponsor will choose to assist either an individual or family.

We will report using statistics to inform the general membership and sponsors of claims and progress made through the sponsorship program.

You can donate to one or more of several programs that the fund has put into place. Examples are, donations to the trust which gives to established charities. Donations can be made to specific organisations such as the children’s medical research institute (CRMI) or any charity of your choice. You can make one off donations to the fund itself rather than ongoing payments. You can support the annual picnic and fundraising events.

A donation to the Welfare fund trust fund is tax deductible.

Even if your cause, for instance the death of a work mate is not a registered charity. You can help them through our Helper Mate program. Which was set up to help fundraise through our networks for one off nominated causes.

Board members are elected from the membership at an Annual General Meeting. We have a recruitment policy so that we can ensure the continuity on the board.

There are no strict criteria to become a board member. However, the board requires both ex transport employees and is looking to recruit expertise from outside the transport industry.

As we are a non for profit, we don’t require formal education and we train directors in particular areas where they will serve the board.

Fair Wealth Australia is committed to being inclusive and has had board members from a range of diverse backgrounds, ethnicity, religion, gender and sexuality.

It is to help members in the immediate aftermath of a storm, earthquake, fire, or flood. It is to help people in the initial phase where in some cases they have just gotten out with the clothes on their back. It is a discretionary payment made for emergency situations such as accommodation, clothing, and food.

Active members who are up to date for over 3 months can apply.

The grant is for up to $1,000 per claim.

Members can apply more than once for a separate event.

To apply you will need to fill out our application form including supplying supporting photos.

The short answer is no. Members have selected levels of cover when they obtain membership so that if a situation does arise, they have a safety net to apply for a grant in times of need.

Assessment times are generally between 24-72 hours. If all the documents have been collected and the claims officer can approve the grant, it is paid on the day of approval and transferred into the nominated account. Claims are paid before 4:30pm weekdays.

It is a financial grant designed to help members in special emergency circumstances that don’t meet our other criteria. For example, after a relationship break down for the cost of finding accommodation, to help with groceries and domestic needs after a robbery.

Active members who are up to date for over 3 months can apply.

People have been assisted with a few hundred dollars and upwards depending on the circumstance.

Members can apply more than once for a separate event.

Assessment times are generally between 24-72 hours. If all the documents have been collected and the claims officer can approve the grant, it is paid on the day of approval and transferred into the nominated account. Claims are paid before 4:30pm weekdays.

The short answer is no. Members have selected levels of cover when they obtain membership so that if a situation does arise, they have a safety net to apply for a grant in times of need.

Documents vary depending on the situation, you will need these mandatory documents to successfully apply, your latest payslip, photo ID and the last 90 days of bank statements.

You will also need to submit supporting documents to support your claim, such as police report, outstanding bills or anything to help strengthen your case.

You will also need to answer the application questions like your name, address, phone numbers, and employment details. Along with your BSB and account number for where you would like the money transferred once you are successful.

3 month waiting period before applying for a grant applies to new members. Membership payments must be up to date to apply.

You can tap into our industry connections to access over 25 banks and 2500+ products. This gives you a lot more options outside of the standard Big 4 to find the home loan that is in your best interest and save you more or help you reach your financial goals.

To begin, we will personally look after you, listen to your specific situation and give you unbiased, complementary advice on what is possible. Next, we will walk you through the exact steps to save you money on your home loan.

Our mortgage health check is completely FREE –there is absolutely no cost to use our service as mortgage brokers.

If someone offered to save you thousands of dollars off your mortgage, you’d expect them to charge something? Not us! We get paid by the bank which allows our service to be free, meaning the savings stay in your pocket and you can enjoy our expertise.

We help people all across Australia. We have approved loans for clients in every state and territory.

Our primary office is in Parramatta however, with everything moving towards being done online we are able to help all across Australia.

If you have a tricky situation or need an approval when others say no, then you need an expert broker in your corner, not necessarily a local mortgage broker. You can have the comfort of your living room and still have access to our brokers at a time that suits you.

Many people are disappointed when the bank they have been with for years and sometimes decades say no. They might be in a bad situation, have a bad credit, outstanding loans or simply feel that because the bank said no that’s the only answer. Don’t let something like this hold you back.

We are real people who talk your language. No jargon and no judgement – we focus all our energy on saving you the most money and getting your loan approved, so you can replace your stress with the financial freedom to finally purchase that new home or take that dream holiday you deserve. With multiple lenders to access their policies and products we can structure a loan to get your desired outcome now or help you work towards it sooner, rather than a flat no.

Active members who are up to date for over 3 months can apply.

Our education grants are allocated in the first quarter of the calendar year.

The education grant is for $500 if you have a child that has education expenses in primary or secondary school. If the member is studying or has a child studying in University or tertiary studies the grant is for $250.

To apply you will need to fill out our application form including supplying the completed reference form from your child’s teacher.

You can apply online here or by contacting us and requesting a hard copy form.

Yes, we can find lenders that will lend for new or older car models.

We look at a number of different lenders to assess your tailored situation. The interest rate with different lenders varies based on a number of factors, such as credit score, financial history and car details. To find out what your rate will be, get in touch and we can provide you with a quote. We conduct a fact find with you and it is completely obligation free.

For our members we waive the introduction fee up to $900. So, the only fees you will pay are to the specific lender for the loan you choose. We do not charge anything on top to find you the loan.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you do decide to submit a full loan application to a particular lender. They will do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

We look at a number of different lenders to assess your tailored situation, the interest rate with different lenders varies based on a number of factors, such as credit score and financial history. To find out what your rate will be, get in touch and we can provide you with a quote. It is quick to fill out the form to find out your rate and is completely obligation free.

For our members we waive the introduction fee up to $900. So, the only fees you will pay are to the specific lender for the loan you choose. We do not charge anything on top to find you the loan.

Our brokers can find personal loans for you from $5,000 to a maximum of $80,000, for either 3, 5 or 7 years. It should be noted however, the maximum amount will depend on a number of factors including your credit history.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you do decide to submit a full loan application to a particular lender. They will do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

Yes, we can find lenders that will lend for new or older car models.

We look at a number of different lenders to assess your tailored situation. The interest rate with different lenders varies based on a number of factors, such as credit score, financial history and car details. To find out what your rate will be, get in touch and we can provide you with a quote. We conduct a fact find with you and it is completely obligation free.

For our members we waive the introduction fee up to $900. So, the only fees you will pay are to the specific lender for the loan you choose. We do not charge anything on top to find you the loan.

Anyone who is over 18 years old and a citizen or permanent resident, currently living in Australia, who is employed and earns at least $20,000 per year (the majority of your income cannot be from Government benefits) can apply.

When you get a rate estimate from us we access your credit file in a way that is not visible to other credit providers and does not affect your credit score. When you do decide to submit a full loan application to a particular lender. They will do what is called a 'full credit enquiry' which other credit providers can see and which might affect your score.

It is to help members in the immediate aftermath of a storm, earthquake, fire, or flood. It is to help people in the initial phase where in some cases they have just gotten out with the clothes on their back. It is a discretionary payment made for emergency situations such as accommodation, clothing, and food.

Active members who are up to date for over 3 months can apply.

The grant is for up to $1,000 per claim.

Members can apply more than once for a separate event.

To apply you will need to fill out our application form including supplying supporting photos.

The short answer is no. Members have selected levels of cover when they obtain membership so that if a situation does arise, they have a safety net to apply for a grant in times of need.

Assessment times are generally between 24-72 hours. If all the documents have been collected and the claims officer can approve the grant, it is paid on the day of approval and transferred into the nominated account. Claims are paid before 4:30pm weekdays.

It is to help members in special emergency circumstances that don’t meet our other criteria. For example, after a relationship break down for the cost of finding accommodation, to help with groceries and domestic needs after a robbery.

Active members who are up to date for over 3 months can apply.

People have been assisted with a few hundred dollars and upwards depending on the circumstance.

Members can apply more than once for a separate event.

Assessment times are generally between 24-72 hours. If all the documents have been collected and the claims officer can approve the grant, it is paid on the day of approval and transferred into the nominated account. Claims are paid before 4:30pm weekdays.

The short answer is no. Members have selected levels of cover when they obtain membership so that if a situation does arise, they have a safety net to apply for a grant in times of need.

Documents vary depending on the situation, you will need these mandatory documents to successfully apply, your latest payslip, photo ID and the last 90 days of bank statements. You will also need to submit supporting documents to support your claim, such as police report, outstanding bills or anything to help strengthen your case. You will also need to answer the application questions like your name, address, phone numbers, and employment details. Along with your BSB and account number for where you would like the money transferred once you are successful.

3 month waiting period before applying for a grant applies to new members. Membership payments must be up to date to apply.

Board members are elected from the membership at an Annual General Meeting. We have a recruitment policy so that we can ensure the continuity on the board.

There are no strict criteria to become a board member. However, the board requires both ex transport employees and is looking to recruit expertise from outside the transport industry. As we are a non for profit, we don’t require formal education and we train directors in particular areas where they will serve the board.

Fair Wealth Australia is committed to being inclusive and has had board members from a range of diverse backgrounds, ethnicity, religion, gender and sexuality.

Loans between $300 and $2,000 you will pay:

• Establishment fee: a one off fee between 12-20% of the principal amount borrowed.

• Monthly loan fee: 2-4% of the principal amount borrowed that is charged per month for the duration of the loan.

​

Each loan has the exact cost on the credit contract which is sent out once an application is submitted and approved. You'll always see a clear breakdown of all your fees and repayments before you confirm your loan. You can customise your repayments to suit your needs.

If you have a Small Loan, the payment options range from 2 to 12 months.

The online application will require you to submit a minimum of 3 documents;

• Proof of ID – Drivers licence, Passport or ID card

• Latest Payslip

• The last 90 days of bank statements

We also require any outstanding bills you have to strengthen the application submission. This helps verify your identification and the reason for the loan.

Generally the process is quick and easy so loans are funded the same day of the application. Therefore, the application process is dependent on you! If you successfully submit the application with the required documents, we will transfer the funds on the same day. The sooner we are provided with the required documentation, the quicker we can get it done!

Loans are based upon their own merits, meaning every case is assessed separately. Fair Wealth Australia does not renew small loans or refinancing of the small loan. If an increase of funds is needed then it you must apply for a new loan and the same fees will apply.