Website Terms of Use

Effective Date: 18/09/2026
Last Updated: 18/09/2026


1. Acceptance of These Terms

Welcome to builderloans.com.au.

builderloans.com.au is a trading brand of Cassidy Digital, operated by Patrick Cassidy (ABN 64 230 991 722) (“we”, “our” or “us”).


These Terms of Use govern your access to and use of builderloans.com.au.

By accessing or using this website, you agree to these Terms of Use. If you do not agree with these terms, you should discontinue using the website.


2. About builderloans.com.au

builderloans.com.au assists Australian construction businesses seeking short-term, property-secured business funding by facilitating applications with an independent private lender.

builderloans.com.au is not the lender and does not make lending decisions.


Our role may include:

  • receiving and discussing funding enquiries;
  • providing application information;
  • receiving completed applications and supporting information;
  • forwarding completed applications to the lender for assessment;
  • communicating with applicants during the process;
  • providing lender-approved Letters of Offer to applicants; and
  • receiving executed Letters of Offer and associated documentation on the lender’s behalf.


The lender independently assesses each application and determines whether it wishes to provide funding, including the proposed amount, security, interest rate, fees, term and conditions.


3. Business-Purpose Funding Only

The funding described on this website is intended for genuine business or commercial purposes only.

builderloans.com.au does not facilitate funding for personal, domestic or household purposes.

The use of residential property as security does not, by itself, determine the purpose of a loan. However, the actual purpose for which credit is provided is important in determining the legal and regulatory framework that applies.


4. General Information Only

Information provided on builderloans.com.au is general in nature.

Nothing on this website constitutes financial, credit, legal, taxation or other professional advice, or a recommendation that any particular funding arrangement is appropriate for you.

Information on the website has not been prepared having regard to your individual financial position, objectives or circumstances.

You should obtain independent professional advice where appropriate before entering into a funding arrangement or making a significant financial or commercial decision.


5. Enquiries and Applications

Submitting a funding enquiry through builderloans.com.au does not constitute:

  • a formal loan application;
  • an approval;
  • an offer of finance;
  • a commitment by the lender to lend; or
  • a guarantee that funding will be available.


If an enquiry progresses, builderloans.com.au may provide the information required to complete a formal application and facilitate submission of that application to the lender.

The lender independently assesses the completed application and decides whether it wishes to proceed.


6. Lending Decisions

All lending decisions are made solely by the lender.


The lender may consider matters including:

  • the purpose of the funding;
  • available property security;
  • mortgage position;
  • requested amount and term;
  • proposed exit strategy;
  • supporting information and documentation;
  • searches and due diligence; and
  • any other matters the lender considers relevant.


builderloans.com.au does not control or guarantee the outcome of the lender’s assessment.


7. Letters of Offer

If the lender wishes to proceed following its assessment, it may approve and issue a Letter of Offer setting out proposed terms and conditions.

builderloans.com.au may be authorised by the lender to:

  • provide an approved Letter of Offer to an applicant;
  • receive an executed Letter of Offer; and
  • receive associated documentation on the lender’s behalf.


builderloans.com.au does not have authority to vary, negotiate or amend the lender’s approved terms unless the lender has expressly authorised that change.

A Letter of Offer is issued by the lender and does not represent an offer of finance by builderloans.com.au.


8. Formal Loan Documentation

If a Letter of Offer is accepted and the matter proceeds, the lender may instruct its lawyers to prepare formal loan and security documentation.


Any loan ultimately entered into is governed by the relevant:

  • Letter of Offer;
  • formal loan agreement;
  • security documentation;
  • guarantees; and
  • other transaction documents.


These Website Terms of Use do not govern the terms of any loan facility.

If there is any inconsistency between information on this website and the lender’s Letter of Offer or formal loan documentation, the transaction-specific documents will apply to the extent of that inconsistency.


9. Rates, Fees and Other Funding Information

Any funding amounts, interest rates, fees, loan terms, settlement timeframes or other figures displayed on builderloans.com.au are general or indicative only unless expressly stated otherwise.

For example, an advertised rate described as “from” a particular rate is available only for transactions that meet the relevant lender requirements.


Actual pricing and terms may depend on matters including:

  • property type and value;
  • available equity;
  • first or second mortgage position;
  • transaction risk;
  • requested amount and term;
  • business purpose;
  • exit strategy; and
  • the lender’s assessment.


Lender fees, legal costs, valuation costs and other third-party expenses may apply.

Where the lender wishes to proceed, the proposed transaction-specific terms and costs will be set out in the relevant Letter of Offer and/or formal loan documentation.


10. Your Responsibilities

When providing information to builderloans.com.au, you agree to take reasonable care to ensure that the information you provide is accurate, complete and not misleading.


You also confirm that:

  • you are authorised to provide information submitted by you;
  • the funding sought is for a genuine business or commercial purpose;
  • you will provide information reasonably requested if you choose to progress an application; and
  • you will notify us if information previously provided materially changes.


If you provide information about another person, such as a director, guarantor or property owner, you should ensure that you are authorised to provide that information.


11. Accuracy and Availability of Website Information

We take reasonable care in preparing and maintaining information on builderloans.com.au.

However, funding criteria, rates, fees, transaction requirements, availability and processes may change over time.

We do not guarantee that all website information will always be complete, current or applicable to every transaction.

Nothing on this website should be relied upon as confirmation that a particular transaction will be approved or available on particular terms.


12. Third-Party Services and Professionals

Funding transactions may involve third parties including:

  • the lender;
  • lawyers;
  • valuers;
  • verification providers;
  • professional advisers; and
  • other transaction service providers.


Those parties provide their own services and may have separate terms, responsibilities, fees and privacy practices.

Except to the extent required by law, builderloans.com.au is not responsible for decisions or services independently provided by those third parties.


13. Third-Party Websites

builderloans.com.au may contain links to websites operated by third parties.

Those links are provided for convenience or information only.

We do not control third-party websites and are not responsible for their content, availability, security or privacy practices.

You should review the terms and privacy policies of third-party websites before using them or providing personal information.


14. Intellectual Property

Unless otherwise stated, website content including text, graphics, logos, branding, images, layouts and design elements is owned by or licensed to Cassidy Digital.

You may access and use website content for your own lawful personal or business purposes.

You must not reproduce, modify, republish, distribute, commercially exploit or create derivative works from website content without our prior written consent, except where permitted by law.


15. Website Availability

We aim to keep builderloans.com.au available and functioning appropriately.

However, we do not guarantee uninterrupted, error-free or continuous access.

We may modify, suspend, restrict or discontinue all or part of the website where reasonably necessary, including for maintenance, security, operational or business reasons.


16. Limitation of Liability

To the maximum extent permitted by law, builderloans.com.au and Cassidy Digital are not liable for loss arising solely from:

  • reliance on general website information rather than transaction-specific documentation or professional advice;
  • temporary website unavailability or technical errors outside our reasonable control;
  • a lender’s independent decision whether or not to provide funding;
  • transaction terms independently determined by the lender; or
  • acts or omissions of independent third-party service providers outside our reasonable control.


Nothing in these Terms excludes, restricts or modifies any right, remedy, guarantee or liability that cannot lawfully be excluded, restricted or modified.

If any provision of these Terms is found to be unenforceable, that provision will be interpreted or limited to the extent necessary, and the remaining provisions will continue to operate where possible.


17. Privacy

Our collection, use, storage and disclosure of personal information is addressed in our Privacy Policy.

By submitting information through builderloans.com.au, you acknowledge that information may be handled in accordance with that policy, including disclosure to the lender and relevant service providers where appropriate.


18. Changes to These Terms

We may update these Terms of Use from time to time to reflect changes to the website, our business model, applicable law or our operating processes.

Updated Terms will be published on builderloans.com.au with the revised date shown above.

Changes apply from the date they are published and do not retrospectively alter any separate Letter of Offer or formal loan agreement already entered into.


19. Governing Law

These Terms of Use are governed by the laws of Queensland, Australia.

Subject to any rights or jurisdiction that cannot lawfully be excluded, disputes relating to these Website Terms of Use will be subject to the courts of Queensland.


20. Contact Us

If you have any questions about these Terms of Use, please contact:


Cassidy Digital
Trading as builderloans.com.au
Operated by Patrick Cassidy
ABN 64 230 991 722


Email: hello@builderloans.com.au

Postal Address:
PO Box 870
Upper Coomera QLD 4209
Australia