At iLuck Realty, our Mortgage Brokerage Services are tailored to meet a wide range of financial needs, ensuring that you receive the best solutions for your real estate and business endeavors. In addition to Residential Mortgage Services, we proudly offer Asset Finance, Commercial Mortgage Brokering, and Digital Deposit Bonds – a smart alternative to cash deposits – to support both individuals and businesses.
  • Asset Finance provides loans or leasing options for purchasing business assets such as vehicles, machinery, equipment, technology, and other essential tools for operations.
  • Commercial Mortgage Brokering focuses on securing financing for purchasing, refinancing, or developing commercial properties, including office buildings, retail spaces, and industrial properties.
  • Digital Deposit Bonds offer a financial guarantee to the seller of a property, replacing the need for a traditional cash deposit. They serve as a promise that the buyer will pay the full purchase price upon settlement. Digital Deposit Bonds can be used for both residential and commercial property purchases, providing a secure alternative to tying up your cash during the buying process.

For Residential Mortgage Services:
We use Sales Trekker software to streamline the mortgage process. Once a client signs the Credit Guide and Privacy Agreement, they are invited to access our Client Portal.
The Client Portal is designed to securely collect data and documents, and provide a simple platform for communication throughout the application process. Clients will receive an email with a link to the Client Portal login page.
Our Client Portal is compatible with Chrome, Firefox, Safari, Edge, and Opera browsers.
As part of our commitment to our clients, we adhere to the Best Interest Duty, ensuring that any advice or recommendations we provide are always in the client’s best interest.
We can meet face-to-face at a café near your place if we want or we can also schedule a meeting via Zoom or Microsoft Teams at your convenience.
For identity verification, we can use NextGenID, IDYou or a similar tool.

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Privacy Policy


Effective Date: 12 September 2024

iLuck Realty Pty Ltd

At iLuck Realty Pty Ltd, we are committed to safeguarding your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy outlines how we collect, use, store, and protect your personal information when providing mortgage brokerage and other financial services. By engaging with us, you consent to the collection and handling of your information as described below.

1. Information We Collect

We may collect and hold the following types of personal information:

  • Personal Identification Details: Name, address, date of birth, phone number, and email address.
  • Financial Information: Income, expenses, assets, liabilities, and credit history.
  • Employment Information: Job title, employer, and employment history.
  • Property Information: Details of any property you own or wish to purchase.
  • Identification Documents: Copies of your driver’s license, passport, or other identification documents.
  • Other Personal Information: As needed for assessing your borrowing capacity or financial needs.

2. How We Use Your Information

We collect, use, and disclose your personal information for the following purposes:

  • Provision of Services: To assess your financial situation and identify suitable mortgage products or financial services.
  • Ongoing Financial Needs: To manage and review your financial needs, including refinancing or maintaining our relationship with you.
  • Communication: To communicate with you about your loan application, provide updates, and deliver relevant financial advice.
  • Legal Compliance: To meet our legal and regulatory obligations, including anti-money laundering and counter-terrorism financing requirements.
  • Marketing and Updates: To inform you about new services, special offers, or events, unless you opt out of such communications.
  • Service Improvement: To analyze and improve our services and enhance your experience.

3. Disclosure of Your Information

We may disclose your personal information to:

  • Lenders and Financial Institutions: To help you secure a mortgage or loan.
  • Service Providers: Who assist in delivering our services, such as IT support, marketing, and legal services.
  • Regulatory Authorities: As required by law, regulation, or court order.
  • Other Third Parties: With your consent or as permitted or required by law.

We do not sell, trade, or rent your personal information.

4. Overseas Disclosure

Your information may be processed or stored on servers located outside Australia, including in the United States, Singapore, Serbia, or the Philippines. We ensure that overseas entities have appropriate data protection measures in place, although they may not always comply with Australian privacy laws.

5. Data Security

We take the security of your personal information seriously and implement various measures to protect it from unauthorized access, use, or disclosure. These measures include:

  • Electronic Storage: Data is stored on secure servers protected by passwords and encryption technologies.
  • Physical Records: Stored in secure, locked storage accessible only to authorized personnel.
  • Industry Standards: We employ firewalls, encryption, and secure passwords, and regularly review our security protocols.

6. Cookies and Online Tracking

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze website traffic. You can adjust your browser settings to refuse cookies if you prefer.

7. Accessing and Updating Your Information

You have the right to access the personal information we hold about you and request corrections if it is inaccurate or incomplete. To do so, please contact us at iluckrealty.com@gmail.com.

8. What Happens if You Don’t Provide Certain Information?

If you do not provide the necessary information, we may be unable to assess your financial situation, provide accurate advice, or process your loan application.

9. Data Breach Management

In the event of a data breach, we will:

  1. Contain the breach and conduct a preliminary assessment.
  2. Evaluate the risks associated with the breach.
  3. Notify relevant parties, including you and regulatory authorities where necessary.
  4. Take steps to prevent future breaches.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the revised date.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:

iLuck Realty Pty Ltd
Email: iluckrealty.com@gmail.com
Phone: +61 450 658 987
Address: Unit 17, 450 Pacific Highway, Lane Cove North, NSW 2066, Australia