To qualify for this offer, applicants must:

• Be a first home buyer (not previously owned residential property in Australia)
• Be purchasing a property for owner-occupation
• Be eligible for and approved under the First Home Guarantee (FHBG) scheme
• Have a deposit of less than 10% of the purchase price
• Have total accessible savings/funds not exceeding 10% of the purchase price at the time of application
• Apply for and settle a home loan arranged through Essendon Finance

• Essendon Finance will cover standard conveyancing/legal fees only through its nominated conveyancing partner
• The offer applies to one property purchase per eligible client
• The offer is not transferable, exchangeable, or redeemable for cash or credit

The following are excluded from this offer:

• Government fees and charges (including stamp duty, registration, and transfer fees)
• Disbursements (including searches, certificates, and third-party costs)
• Additional or non-standard legal work
• Costs associated with delayed, failed, or withdrawn transactions
• Investment, commercial, construction, or refinancing transactions

• This offer is conditional upon the loan being approved, documented, and successfully settled through Essendon Finance
• If the loan does not proceed to settlement, the client will be responsible for any legal or conveyancing costs incurred

• Clients must provide complete, accurate, and current information regarding their financial position, including savings and deposit
• Essendon Finance reserves the right to verify all information and supporting documents
• Any misleading or incomplete information may result in the withdrawal of this offer

• Essendon Finance is committed to complying with the National Consumer Credit Protection Act 2009 (Cth) and responsible lending obligations
• Any loan recommendation will be based on an assessment of the client's financial situation, requirements, and objectives
• This offer does not constitute financial or credit advice and does not guarantee loan approval
• All applications are subject to lender credit criteria, terms, conditions, and approval processes

• Essendon Finance may receive commissions from lenders where a loan is successfully settled
• The $0 conveyancing fee offer is a promotional incentive and does not influence the obligation to recommend a suitable loan product for the client
• Clients will be provided with a Credit Guide and Credit Proposal Disclosure outlining remuneration and lender options

• This offer is only valid where the client uses Essendon Finance's nominated conveyancing partner
• If a client chooses an external conveyancer or solicitor, this offer will not apply

• This is a limited-time offer and may be withdrawn, extended, or amended at any time without notice
• Eligibility is assessed at the time of application and may be reassessed prior to settlement

• This offer cannot be combined with other promotions unless explicitly stated
• Essendon Finance reserves the right to refuse or withdraw the offer where eligibility criteria are not met
• By proceeding, clients acknowledge and agree to these Terms and Conditions