Last updated: February 2026
KBA Home Loans (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in an open and transparent way. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By engaging with KBA Home Loans or using our website, you consent to the collection and handling of your personal information as outlined below.
1. What Information We Collect
We may collect personal and sensitive information including, but not limited to:
Personal Information
- Full name
- Date of birth
- Contact details (email, phone number, address)
- Identification documents (driver’s licence, passport)
- Employment details
- Income and expense information
- Asset and liability information
- Credit history
- Property details
- Tax File Number (only where legally required)
Sensitive Information
Where necessary for lending purposes, we may also collect sensitive information such as health or hardship information. This is only collected with your consent or where required by law.
2. How We Collect Your Information
We collect information directly from you when you:
- Complete enquiry or fact-find forms
- Apply for a loan
- Communicate with us by phone, email, or online
- Provide documents
We may also collect information from third parties such as:
- Credit reporting bodies
- Lenders and aggregators
- Employers or accountants (with your consent)
- Government agencies
- Referees you nominate
3. Why We Collect Your Information
We collect your personal information to:
- Assess your eligibility for finance
- Provide mortgage broking services
- Submit loan applications to lenders
- Verify your identity
- Meet legal and regulatory obligations
- Communicate with you about your application
- Improve our services
- Conduct internal reporting and compliance
Without this information, we may not be able to provide our services to you.
4. Disclosure of Personal Information
We may disclose your information to:
- Banks and lenders
- Mortgage aggregators
- Credit reporting bodies
- Valuers, conveyancers, and solicitors
- Identity verification providers
- Government regulators (e.g. ASIC, AUSTRAC)
- Our professional advisers (lawyers, accountants)
Some of these parties may store data overseas. Where this occurs, we take reasonable steps to ensure your information is protected.
5. Credit Reporting
We may disclose your information to credit reporting bodies to obtain your credit report or assist lenders with assessing your application.
Credit reporting bodies may include:
- Identification information
- Credit applications
- Defaults or repayment history
- Court judgments or bankruptcies
You have the right to access and correct your credit information.
6. Marketing Communications
With your consent, we may send you updates, offers, or information about our services. You may opt out at any time by using the unsubscribe link or contacting us directly.
We do not sell your personal information.
7. Data Security
We take reasonable steps to protect your information from misuse, loss, unauthorised access, or disclosure. This includes:
- Secure digital storage
- Restricted staff access
- Encrypted systems
- Secure document handling procedures
When information is no longer required, it is securely destroyed or de-identified
8. Accessing or Correcting Your Information
You may request access to your personal information or ask for corrections by contacting us. We aim to respond within a reasonable timeframe.
9. Complaints
If you believe your privacy has been breached, please contact us first so we can attempt to resolve the issue.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
10. Cookies & Website Analytics
Our website may use cookies to improve user experience and track usage. You can disable cookies in your browser settings if preferred.
11. Changes to This Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website.