Modern Lending Pty Ltd (ABN 39 659 116 408) is a credit representative (Credit Representative Number 564825) of Outsource Financial Pty Ltd, Australian Credit Licence 384324. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
What we collect
To arrange credit for you we collect information such as:
- Your name, date of birth, contact details and identification documents
- Your employment, income, assets, debts and living expenses
- Bank statements, payslips, tax returns and other financial documents
- Credit information, including your credit report where you consent
- Details of the property you are buying or refinancing
If you only browse this website, we collect anonymous usage statistics through Cloudflare Web Analytics, which does not use cookies or track you across sites.
How we collect it
We collect information directly from you by phone, email, forms and documents you give us. With your consent we may also collect it from credit reporting bodies, lenders, your accountant, your employer and other people you nominate.
Why we collect it
- To assess your situation and recommend suitable credit
- To prepare and lodge loan applications with lenders
- To meet our obligations under the National Consumer Credit Protection Act 2009 and anti-money laundering law
- To review your loan after settlement and contact you about it
If you do not provide the information we ask for, we may not be able to help you.
Who we share it with
- Lenders, lenders mortgage insurers and valuers involved in your application
- Our licensee, Outsource Financial Pty Ltd, and our aggregator
- Service providers who supply our software, storage and document systems
- Your conveyancer, accountant or other advisers, where you ask us to
- Regulators and dispute resolution bodies where the law requires
Some service providers may store data outside Australia. We take reasonable steps to make sure they handle it in line with the Australian Privacy Principles.
How we protect it
We store information in secure systems with access limited to people who need it, and we keep it for as long as the law requires, generally seven years after our work for you ends. After that we destroy or de-identify it.
Access and correction
You can ask to see the personal information we hold about you, and ask us to correct it. Contact us using the details below. We respond within 30 days.
Marketing
We may contact you about your loan and related services. You can opt out at any time by telling us.
Complaints
If you believe we have mishandled your information, contact us first. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or the Australian Financial Complaints Authority. See our complaints page.
Contact
Modern Lending Pty Ltd, phone 03 6100 2020, email hello@modernlending.com.au.
Last updated November 2026.