Home Loan Mortgage Broker in Joondalup: Find the Right Loan for Your Situation
Whether you’re buying, investing, refinancing, or upgrading, Encharge Capital makes it simple.
Getting a home loan is one of the biggest financial decisions you’ll ever make. And if you’re trying to work out which lender to choose, what rate you should be paying, or whether you even qualify, you’re not alone. As a home loan mortgage broker in Joondalup, we help borrowers across the northern Perth suburbs, including Wanneroo, Currambine, and Ocean Reef, compare dozens of lenders to find a loan that actually fits. Whatever your situation, we’re here to make the process clear and straightforward.
What Is a Home Loan and Why Use a Mortgage Broker in Joondalup?
A home loan is a secured loan used to purchase, refinance, or build residential property, with the property held as security by the lender until the loan is repaid. A mortgage broker like Encharge Capital works with a panel of lenders to compare hundreds of loan options on your behalf, at no cost to you, and is legally required to act in your best interests under Australia’s Best Interests Duty.
Going Direct to a Bank
- Only offers their own products
- One credit policy that may not suit your situation
- No obligation to find the best fit for you
- Limited to one lender’s rate and fee structure
Working With a Broker
- Access to 40+ lenders, including specialist non-bank lenders
- Credit policy matched to your specific situation
- Legally required to act in your best interests
- Service typically at no cost to you
Under Australia’s Best Interests Duty, we’re legally obligated to recommend products that are genuinely suitable for your circumstances. Our fees are paid by the lender after your loan settles, and we disclose everything upfront in the Credit Guide. For borrowers across Joondalup and the northern Perth suburbs, Encharge Capital provides genuine choice and expert guidance at every step. If you’re considering refinancing your home loan or looking at first home buyer finance, the process starts with understanding your options.
Who Can Encharge Capital Help With a Home Loan in Joondalup?
Encharge Capital helps all types of home loan borrowers across Joondalup and northern Perth, from first home buyers and PAYG employees to property investors, refinancers, self-employed borrowers, and families looking to upsize or downsize. If you need a home loan and you want more than one lender’s opinion, this is the right place to start.
PAYG Employees and Salaried Borrowers
You’re in stable employment and want to buy, upgrade, or refinance. You want to make sure you’re getting the most competitive rate available, not just what your bank offers. Most salaried borrowers default to their existing bank without realising a broker can access far more competitive rates and loan structures. We compare the full market on your behalf, identifying lower rates, better features like offset accounts and redraw, and loan structures that reduce your total interest over the life of the loan.
First Home Buyers in Joondalup
You’re buying your first home and navigating deposit requirements, stamp duty, government grants, and lender criteria for the first time. First home buyers often don’t know how much they can borrow, whether they qualify for the First Home Owner Grant in WA, or how to structure a loan that doesn’t overextend them. We walk you through your borrowing capacity, genuine savings requirements, LMI thresholds, and the full range of first home buyer schemes available.
Refinancers Looking for a Better Rate
You already have a home loan but suspect you’re paying more than you need to. Your rate has increased, your circumstances have changed, or you’ve built up equity you could be using better. We analyse your current loan, compare it against the market, identify genuine savings, and manage the entire refinancing process so you don’t have to navigate it alone.
Property Investors
You’re buying an investment property and need a loan structure that maximises your tax position, preserves your borrowing capacity for future purchases, and is competitively priced. Investment home loans have different eligibility criteria and require careful structuring. We understand investment loan structuring, interest-only periods, and how to maintain serviceability for future purchases.
Self-Employed Borrowers and Business Owners
Your income is real but it doesn’t always look straightforward on paper. Two years of tax returns, fluctuating revenue, and business expenses can make standard lender assessment harder than it needs to be. We match your income profile to lenders whose credit policies suit self-employed applicants, avoiding the rejections that come from applying to lenders that don’t understand how business income works.
Families Upgrading or Downsizing
You’re selling your current home and buying your next one, coordinating settlement timing, bridging finance, or carrying both properties during the transition. We coordinate the loan structure around your specific situation, including bridging finance where needed, clear timelines, and a loan on the new property that reflects your financial position post-sale.
How Much Can You Borrow for a Home Loan in Joondalup?
Your borrowing capacity for a home loan is determined by your income, existing debts, living expenses, deposit size, and the lender’s credit policy. Most borrowers can borrow between 4.5 and 6 times their gross annual income, though this varies significantly by lender and borrower type. A mortgage broker can calculate your maximum borrowing power across multiple lenders simultaneously, often finding a significantly higher figure than a single bank assessment.
Key Factors Lenders Assess
- Gross income from all sources
- Existing debts and credit limits
- Living expenses and dependants
- Deposit size and LVR position
- Employment type and stability
How Income Type Affects Capacity
PAYG: Most lenders use 100% of base salary
Self-employed: Last 2 years average net profit, some use addbacks
Investors: Rental income accepted at 70-80%
First home buyers: Guarantor or Home Guarantee Scheme can increase capacity
If you’re asking “how much deposit do I need for a home loan,” the general answer is 20 percent to avoid lenders mortgage insurance, though you can purchase with as little as 5 percent in some cases. The First Home Guarantee Scheme allows eligible first home buyers to purchase with just 5 percent without paying LMI at all.
Types of Home Loans Available Through Encharge Capital
The main home loan types available in Australia are variable rate, fixed rate, and split loans, each suited to different financial situations and risk preferences. Additional features like offset accounts, redraw facilities, and interest-only periods further shape the loan to your needs. Encharge Capital compares all product types across a panel of lenders to match the right structure to your circumstances.
| Loan Type | How It Works | Best For | Key Consideration |
|---|---|---|---|
| Variable Rate | Rate moves with the market | Borrowers wanting flexibility | Repayments can change |
| Fixed Rate | Rate locked for 1-5 years | Borrowers wanting certainty | Break costs may apply |
| Split Loan | Part fixed, part variable | Borrowers wanting balance | More complex to manage |
Key Loan Features to Consider
Offset Account
A transaction account linked to your loan. Your balance offsets the principal, reducing the interest you pay.
Redraw Facility
Access extra repayments you’ve made when needed. Useful for emergencies or planned expenses.
Interest-Only Period
Pay interest only for a set period. Commonly used by investors to manage cash flow. Principal and interest repayments resume after.
Guarantor Option
A family member uses their equity to support your loan. Commonly used by first home buyers to avoid LMI.
Home loan mortgage interest rates vary between lenders, often significantly. That’s another key reason to use a broker. We compare product features across the full panel, not just the advertised rate, to find the option that reduces your total cost of borrowing over time. If you’re looking for the best home loan mortgage rate, it’s rarely just about the headline number.
Home Loan Eligibility: Do You Qualify?
Most home loan applicants need to be an Australian citizen or permanent resident, have a stable income from employment or self-employment, a sufficient deposit, a satisfactory credit history, and the ability to service the loan under the lender’s assessment criteria. Eligibility varies by lender, and what one lender declines, another may approve. A broker matches your profile to the lender most likely to approve your application.
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Residency Status
Australian citizen, permanent resident, or eligible visa holder. Some lenders accept certain visa types with conditions.
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Stable and Verifiable Income
PAYG employees typically need recent payslips and a group certificate. Self-employed borrowers usually require two years of tax returns, though some specialist lenders accept 12 months or bank statement assessments. Investors have rental income assessed at 70 to 80 percent of gross rent.
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Minimum Deposit
Generally 5 percent of property value with LMI, or 20 percent without LMI. The First Home Guarantee allows eligible first home buyers to purchase with 5 percent and no LMI.
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Satisfactory Credit History
No major defaults, recent bankruptcies, or excessive unsecured debt. Thresholds vary by lender, and a broker can identify which lenders have policies suited to your credit profile.
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Genuine Savings
Most lenders require evidence that savings were accumulated over at least three months, not gifted or transferred immediately before application.
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Serviceability
Your total loan repayments must be affordable based on the lender’s assessment rate, typically 2 to 3 percent above the actual rate to allow for potential rate increases.
What Documents Do You Need for a Home Loan Application?
Most home loan applications require proof of identity, proof of income, evidence of your deposit or savings, details of your existing debts, and information about the property you’re purchasing or refinancing. The exact documents depend on your income type and loan purpose. Encharge Capital will provide you with a personalised checklist based on your specific situation before you begin your application.
All Borrowers Typically Need
- Photo ID such as Australian passport, driver’s licence, or Medicare card
- Proof of current address, such as a utility bill or council rates notice within 90 days
- Recent payslips or income evidence
- Last 6 months of bank statements for all accounts
- Evidence of deposit or genuine savings
- Details of existing debts including credit cards, personal loans, and HECS balance
- Contract of sale for the property being purchased
- Building insurance details before settlement
Additional for PAYG Employees
- Last 2 payslips from primary employer
- Most recent payment summary or PAYG summary
- Letter of employment confirming role and duration
Additional for Self-Employed
- Last 2 years personal tax returns and ATO Notice of Assessment
- Last 2 years business tax returns and financials
- Current ABN or business registration
- Business bank statements for last 6 to 12 months
Additional for Property Investors
- Current lease agreements for existing properties
- Property management statements showing rental income
- Mortgage statements for existing investment loans
Additional for First Home Buyers
- First Home Owner Grant application documents if eligible
- Evidence of genuine savings over 3 or more months
- Guarantor documentation if using a family guarantee
We’ll give you a personalised checklist before you start, so there are no surprises. For self-employed home loan documentation requirements, there are often more options than you might realise.
How the Home Loan Process Works With Encharge Capital
The home loan process with Encharge Capital typically runs from initial assessment through to settlement in 4 to 8 weeks, depending on lender processing times and property settlement schedules. Ross manages the entire process on your behalf, from comparing lenders and preparing your application through to liaising with the lender and your conveyancer at settlement.
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Free Initial Assessment
24-48 hoursWe review your financial situation, income type, deposit position, and borrowing goals. You provide a snapshot of your income, debts, and what you’re trying to achieve. We calculate your borrowing capacity across multiple lenders without affecting your credit file. For self-employed borrowers, we’ll request a brief overview of your business structure and income at this stage.
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Lender Research and Loan Recommendation
1-2 business daysWe search the full lender panel to identify loans that match your borrowing capacity, loan purpose, and income type. You receive a written loan recommendation comparing shortlisted options including rate, fees, features, and total cost. This is where broker value is clearest because the same income presented to different lenders can result in materially different outcomes.
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Application Preparation
2-5 business daysWe prepare your loan application using the documents you provide from your personalised checklist. The application is reviewed for accuracy and completeness before submission, reducing the risk of delays or conditions. You review and sign the application, and we submit it to the chosen lender.
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Lender Assessment and Conditional Approval
3-10 business daysThe lender assesses your application, verifying income, credit history, and property security. Conditional approval is issued confirming the loan amount and any conditions that must be met before formal approval. We liaise with the lender on your behalf, responding to any queries or requests for additional information.
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Formal Unconditional Approval
3-7 business daysOnce all conditions are satisfied, including the property valuation, the lender issues formal unconditional approval. We confirm the approval details with you and coordinate with your conveyancer or solicitor to prepare for settlement.
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Settlement
30-60 days from contractYour conveyancer coordinates settlement with the lender. The loan funds are released and the property purchase is completed, or the refinance is settled. We follow up after settlement to confirm everything has been processed correctly and check in on your loan in the months ahead.
Why Joondalup Borrowers Choose Encharge Capital for Their Home Loan
Encharge Capital gives you access to a panel of lenders, from major banks to specialist non-bank lenders, and is legally required to act in your best interests under Australia’s Best Interests Duty. Unlike a bank that can only offer its own products, we compare the full market on your behalf, at no upfront cost to you, and manage your application from start to settlement.
Access to the Full Market
We work with 40+ lenders including major banks, regional lenders, credit unions, and specialist non-bank lenders. Your application is matched to the lender most likely to approve it, at the most competitive rate for your situation.
Best Interests Duty Compliance
As a licensed credit adviser, we're legally required to act in your best interests. Every loan recommendation must be the right fit for your situation, not the one that pays the highest commission. This applies whether you're buying your first home or your fifth investment property.
Specialist Knowledge for All Borrower Types
Whether you're a first home buyer navigating grants, a self-employed borrower with complex financials, an investor optimising your structure, or a refinancer seeking a better deal, we have the lender knowledge and application experience to handle your situation correctly the first time.
Local Joondalup and Northern Perth Expertise
Encharge Capital is based in and operates across Joondalup and the northern Perth suburbs including Ocean Reef, Currambine, Wanneroo, Heathridge, and Edgewater. We understand the local property market and the borrowers who are active in it.
No Upfront Cost to You
Our service is at no upfront cost to you. Broker remuneration is paid by the lender after your loan settles and is disclosed to you in writing in the Credit Guide and Credit Proposal, in full compliance with responsible remuneration requirements.
End-to-End Application Management
From your first phone call to your post-settlement follow-up, we manage the entire process. Documents, lender liaison, application submission, and settlement coordination are all handled so you can focus on everything else.
“I work with one borrower at a time and I treat every application with the same care I’d give my own. That means I don’t submit an application unless I’m confident it’s the right fit for you and the right lender for your situation.”
Ross Byrne, Encharge Capital
What Encharge Capital Clients Say About Their Home Loan Experience
Encharge Capital has helped borrowers across Joondalup and northern Perth secure home loans across a wide range of situations, from first purchases and refinances to investment purchases and complex self-employed applications. Read what past clients have to say about working with Ross.
I honestly couldn’t recommend Ross
and everyone at Encharge Capital highly enough. From start to finish, they made what could have been a stressful process feel smooth, clear, and completely manageable as a first time buyer. Their knowledge of the finance and mortgage market is incredible, they explained every detail in plain language and made sure I fully understood all my options before making any decisions.
Communication was excellent they were always quick to respond, always proactive, and genuinely caring about getting me the best possible deal. They went above and beyond to secure fantastic terms that I never would have found on my own.
What really stood out was how personal the service felt. It never felt transactional, they always had my best interests at heart. I felt supported, informed, and confident every step of the way.
If you’re looking for a finance broker who’s professional, trustworthy, and genuinely dedicated to helping you reach your goals, look no further than Ross and the team at Encharge Capital. A 10/10 experience from start to finish!
Would recommend 100%
Special mention to Ross, who went above and beyond to help with the process!
Home Loan Case Studies: Real Outcomes for Joondalup Borrowers
The following case studies illustrate real outcomes achieved by Encharge Capital clients across Joondalup and northern Perth. All details are anonymised. Loan figures are indicative and reflect the range of situations Ross works with across different borrower types.
First Home Buyer in Joondalup: Navigating Deposit, Grants, and Approval
SITUATION
A single first home buyer in Joondalup had been saving for two years and accumulated a 10 percent deposit on a property priced in the mid $500,000s. They hadn't spoken to a bank or broker and were unsure whether their deposit was sufficient, whether they'd qualify for the First Home Owner Grant in WA, and how much they could borrow without overextending themselves.
CHALLENGE
With a 10 percent deposit, lenders mortgage insurance was unavoidable unless they accessed the Home Guarantee Scheme, for which they were eligible but unaware. Their HECS debt was reducing borrowing capacity at some lenders but not others, depending on how the lender assessed HECS repayment obligations.
OUTCOME
We confirmed their eligibility for the First Home Guarantee Scheme, eliminating LMI entirely. We identified two lenders whose HECS assessment methodology gave a higher borrowing capacity and prepared the application for the most suitable option. Formal approval received within 14 days of application submission. First Home Owner Grant of $10,000 applied at settlement. Loan amount: $490,000 to $510,000. Settlement completed on schedule.
First Home Buyer in Joondalup: Navigating Deposit, Grants, and Approval
SITUATION
A single first home buyer in Joondalup had been saving for two years and accumulated a 10 percent deposit on a property priced in the mid $500,000s. They hadn't spoken to a bank or broker and were unsure whether their deposit was sufficient, whether they'd qualify for the First Home Owner Grant in WA, and how much they could borrow without overextending themselves.
CHALLENGE
With a 10 percent deposit, lenders mortgage insurance was unavoidable unless they accessed the Home Guarantee Scheme, for which they were eligible but unaware. Their HECS debt was reducing borrowing capacity at some lenders but not others, depending on how the lender assessed HECS repayment obligations.
OUTCOME
We confirmed their eligibility for the First Home Guarantee Scheme, eliminating LMI entirely. We identified two lenders whose HECS assessment methodology gave a higher borrowing capacity and prepared the application for the most suitable option. Formal approval received within 14 days of application submission. First Home Owner Grant of $10,000 applied at settlement. Loan amount: $490,000 to $510,000. Settlement completed on schedule.
Self-Employed Tradie in Wanneroo Approved After Previous Bank Decline
SITUATION
A self-employed tradesperson operating as a sole trader in Wanneroo had been declined by their existing bank for a home loan on the grounds that their declared taxable income, after business expense deductions, appeared too low to service the loan. Their actual business bank account showed strong and consistent cash flow over 18 months.
CHALLENGE
The major bank used the net income figure from the tax return only, not accounting for addbacks such as depreciation, one-off expenses, and superannuation contributions that are standard in self-employed income assessment. The borrower didn't know that specialist lenders assess self-employed income differently.
OUTCOME
We identified a specialist lender that uses a bank statement assessment model, allowing 12 months of business bank statements to demonstrate income rather than relying solely on tax returns. We prepared the application with appropriate addback calculations documented by the borrower's accountant. Conditional approval received within 10 business days. Loan amount: $520,000 to $540,000. Settlement completed 35 days after application submission. The borrower had previously believed homeownership was out of reach; the right lender made it straightforward.
Home Loan FAQs: Questions From Joondalup Borrowers Answered
The following questions are the most common ones Ross receives from home loan enquiries across Joondalup and northern Perth. If your question isn’t answered here, call or email Encharge Capital directly for a personalised response.
How much can I borrow for a home loan?
Your borrowing capacity depends on your income, existing debts, deposit, living expenses, and the lender’s credit policy. Most borrowers can borrow between 4.5 and 6 times their gross annual income, though this varies significantly by lender and income type. A broker assessment gives you a figure across multiple lenders simultaneously, often uncovering a higher borrowing capacity than a single bank would offer.
How much deposit do I need for a home loan?
The minimum deposit is generally 5 percent of the property value, though you’ll pay lenders mortgage insurance unless you have 20 percent. The First Home Guarantee Scheme allows eligible first home buyers to purchase with just 5 percent and no LMI. Most lenders also require evidence of genuine savings accumulated over at least three months, not funds that were gifted or transferred immediately before application.
Should I use a mortgage broker or go direct to a bank for my home loan?
How do I refinance a home loan?
Refinancing involves applying for a new loan with a different lender, or renegotiating the terms with your current lender. A broker compares your existing loan against the full market, identifies whether genuine savings are available, and manages the discharge of your old loan and the settlement of your new one. The process typically takes 2 to 4 weeks from application to settlement if your documents are in order.
Can self-employed people get a home loan?
Yes, self-employed borrowers can absolutely get a home loan. Most lenders require two years of tax returns, but specialist lenders on our panel accept bank statement loans or as little as 12 months of trading history. The key is matching your income profile to a lender whose credit policy understands self-employed income structures, including addbacks for depreciation, one-off expenses, and superannuation contributions.
What is LMI and can I avoid it?
Lenders mortgage insurance, or LMI, is a one-off insurance premium paid by the borrower that protects the lender if you default on your loan. It applies when your loan-to-value ratio exceeds 80 percent, meaning your deposit is less than 20 percent. You can avoid LMI by saving a 20 percent deposit, using a family guarantee, or accessing the First Home Guarantee Scheme if you’re an eligible first home buyer.
What is pre-approval and do I need it before making an offer?
Pre-approval, also called conditional approval, is a lender’s preliminary assessment confirming how much you can borrow before you find a property. It gives you confidence to make offers and shows vendors you’re a serious buyer. Pre-approval is not mandatory, but it’s strongly recommended. Most pre-approvals are valid for 90 days and are subject to a satisfactory valuation of the property you purchase.
How long does home loan approval take?
Can property investors use a mortgage broker for a home loan?
Yes, and investors often benefit significantly from using a broker. Investment loans have different assessment criteria, rate pricing, and structuring requirements compared to owner-occupied loans. A broker identifies which lenders offer the best terms for investment purposes and how to structure the loan to maintain your borrowing capacity for future purchases. Learn more about our investment property finance services.
What is a comparison rate and why does it matter?
A comparison rate includes the interest rate plus most ongoing fees, expressed as a single annual percentage. It gives you a truer picture of the loan’s total cost than the advertised rate alone. ASIC requires lenders and brokers to display comparison rates when advertising rates. Always compare comparison rates, not just headline rates, when evaluating home loan options.
What is the First Home Owner Grant in WA and am I eligible?
The WA First Home Owner Grant provides $10,000 for eligible first home buyers building or buying a new home. Income caps and property value caps apply. You must be an Australian citizen or permanent resident, at least 18 years old, and must not have previously received the grant or owned property in Australia. We can confirm your eligibility and help submit your application alongside your home loan.
Can I get a home loan with a casual or irregular income?
Yes, lenders assess casual and contract income differently to permanent employment, but approval is possible. Most lenders require 6 to 12 months in the same role or industry, and some require evidence of 2 years in the same line of work. Specialist lenders on our panel have more accommodating policies for non-standard employment. The key is matching your employment profile to the right lender.
Other Finance Services From Encharge Capital
Encharge Capital offers a full range of finance solutions beyond home loans, from first home buyer assistance and refinancing to investment property finance, self-employed lending, and asset finance. The services below are the most commonly relevant for borrowers who have used or are considering a home loan with Encharge Capital.
First Home Owner Finance in Joondalup
Dedicated guidance for first home buyers navigating deposits, grants, and government schemes in WA. We help you understand your options and access programs that can reduce your upfront costs.
Refinancing Your Home Loan
Already have a home loan but think you could be getting a better rate or deal? We compare your existing loan against the current market and manage the entire refinance process.
Investment Property Finance
Structuring investment loans correctly from the start protects your tax position and preserves your borrowing capacity for future purchases. We specialise in investor lending.
Self-Employed Home Loans
If your income doesn’t look straightforward on paper, we match you with lenders who understand business income structures and alternative documentation options.
Property Portfolio Finance Structure
For investors with existing or planned portfolios, dedicated structuring advice ensures your borrowing capacity and loan structures are optimised for long-term growth.
Learn more →
Finance Broker Services in Joondalup
Understand the full scope of what Encharge Capital offers across home loans, car loans, personal loans, and asset finance for all borrower types.
Learn more →
Your Local Home Loan Broker in Joondalup and Northern Perth
Encharge Capital is based in Joondalup and serves borrowers across the northern Perth suburbs, from Wanneroo and Currambine to Ocean Reef, Heathridge, and Edgewater. Whether you visit in person or connect by phone and video, Ross is your local mortgage broker with the lender panel and experience to handle any borrower situation.
Suburbs We Serve
- Joondalup
- Wanneroo
- Hillarys
- Currambine
- Kinross
- Clarkson
- Burns Beach
- Ocean Reef
- Edgewater
- Heathridge
- Connolly
- Mullaloo
- Padbury
- Duncraig
- Sorrento
- Greenwood
- Woodvale
- Craigie
- Beldon
- Kingsley
- Mindarie
- Butler
- Alkimos
- Yanchep
Encharge Capital
Ready to Find the Right Home Loan for Your Situation?
Whether you’re buying your first home, refinancing, investing, or upgrading, we’re here to help. Get started with a free, no-obligation assessment today.
Important Information and Regulatory Disclosures
Australian Credit Licence: Encharge Capital operates as a credit representative of an Australian Credit Licence holder. Please contact us for specific licence details.
Industry Memberships: Ross Byrne is a member of the Mortgage and Finance Association of Australia (MFAA). Encharge Capital is a member of the Australian Financial Complaints Authority (AFCA). If you have a complaint about our services, you may contact AFCA at www.afca.org.au or 1800 931 678.
Best Interests Duty: As a licensed credit adviser, Encharge Capital is legally required to act in your best interests when providing credit assistance. This obligation is established under the National Consumer Credit Protection Act 2009 (NCCP Act) as amended.
Responsible Lending: Encharge Capital adheres to responsible lending obligations under the NCCP Act 2009. Credit assessments are conducted to ensure that any loan recommended is not unsuitable for the borrower’s circumstances.
General Advice Warning: The information on this page is general in nature and does not constitute personal financial or credit advice. Your individual circumstances have not been taken into account. Before acting on any information on this page, please speak with a qualified credit adviser.
Comparison Rate Warning: WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a loan amount of $150,000 over a 25-year term.
Credit Guide: A Credit Guide will be provided to you at the commencement of credit assistance. The Credit Guide contains details of our credit services, remuneration, and complaints process.
Privacy: Encharge Capital collects personal information in accordance with the Privacy Act 1988. Please refer to our Privacy Policy for details of how your personal information is collected, used, and disclosed.
Encharge Capital operates in accordance with the National Consumer Credit Protection Act 2009 and the National Credit Code.