Important Information
About GRD Home Loans
GRD Home Loans is a registered business name of The Trustee for MR NJD Trust (ABN 85 260 480 255).
Simplify Your Mortgage Pty Ltd (ACN 118 619 542) is trustee for the MR NJD Trust and holds Australian Credit Licence 387974.
GRD Home Loans brings existing home loan borrowers together to create greater bargaining power when negotiating with lenders.
Registering with GRD Home Loans
Registering your interest in a Group Rate Discount Home Loan is not a home loan application and there is no obligation to proceed.
The information you provide when registering helps GRD Home Loans understand the number and characteristics of borrowers interested in refinancing and the approximate combined value of home loans potentially available to refinance as a group.
Once there is sufficient borrower interest to create meaningful bargaining power, GRD Home Loans may approach multiple lenders and seek to negotiate interest rates, products, discounts and home loan features on behalf of the group.
There is no fee to register your interest with GRD Home Loans.
Eligibility
GRD Home Loans is currently available to borrowers who are Australian Citizens or Australian Permanent Residents.
Registering your interest does not guarantee that you will be eligible for a Group Rate Discount Home Loan or that a lender will approve a home loan application.
Each lender will apply its own eligibility requirements, lending criteria, assessment and approval process.
Negotiating with lenders
GRD Home Loans uses the combined value of borrowers interested in refinancing to seek greater bargaining power with lenders.
When negotiating with lenders, GRD Home Loans may provide aggregated or de-identified information about the group, including the approximate number of borrowers, combined lending value, property values, lending ratios and broad borrower characteristics.
Registering your interest does not authorise GRD Home Loans to make a home loan application on your behalf.
If you decide to proceed
If GRD Home Loans negotiates a Group Rate Discount Home Loan, we will provide you with details of the offer so you can decide whether it is right for you.
You are under no obligation to proceed.
If you choose to proceed, you will apply directly with the selected lender. Your home loan application and supporting information will be provided directly to the lender, not GRD Home Loans.
Any home loan application will be subject to the lender's eligibility requirements, lending criteria, assessment and approval.
Interest rates, discounts, products and features
Any interest rate, discount, product or home loan feature negotiated by GRD Home Loans will depend on the arrangements agreed with the lender for the relevant group.
Different Group Rate Discount offers may have different interest rates, discounts, products, features and eligibility requirements.
Information provided about a negotiated offer should be considered together with the lender's applicable terms, conditions, fees, eligibility requirements and lending criteria.
GRD Home Loans does not guarantee that a particular lender, interest rate, discount, product or feature will be available when you register your interest.
How GRD Home Loans may be paid
There is no fee to register your interest with GRD Home Loans.
If you subsequently proceed with a home loan following an introduction or referral by GRD Home Loans, Simplify Your Mortgage Pty Ltd may receive a payment or other remuneration in connection with that home loan.
The nature and amount of any remuneration will depend on the arrangements applying at the time. Where required, further information about remuneration will be disclosed to you before you proceed.
Your personal information
GRD Home Loans deliberately limits the information collected when you register your interest.
Registering is not a home loan application. If you later decide to proceed with a Group Rate Discount Home Loan, the lender will collect the personal information and supporting documents required for the home loan application directly from you.
For further information about how GRD Home Loans collects, uses, holds and protects personal information, please read our Privacy Policy.
Complaints
If you have a complaint about GRD Home Loans, please contact us first so we have an opportunity to investigate and respond.
GRD Home Loans Registered business name of The Trustee for MR NJD Trust ABN 85 260 480 255
Simplify Your Mortgage Pty Ltd (ACN 118 619 542) Trustee for the MR NJD Trust Australian Credit Licence 387974
Complaints: complaints@grdhomeloans.com.au
If your complaint cannot be resolved to your satisfaction, you may be able to lodge a complaint with the Australian Financial Complaints Authority (AFCA), which provides a free and independent external dispute resolution service. AFCA itself recommends first raising the issue with the financial firm and allows complaints online, by email, phone or post.
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
Australian Financial Complaints Authority
Those contact details are current as of the 21st of September 2026.
Contact GRD Home Loans
General enquiries: support@grdhomeloans.com.au
Privacy enquiries: privacy@grdhomeloans.com.au
Complaints: complaints@grdhomeloans.com.au
GRD Home Loans Registered business name of The Trustee for MR NJD Trust ABN 85 260 480 255
Simplify Your Mortgage Pty Ltd (ACN 118 619 542) Trustee for the MR NJD Trust Australian Credit Licence 387974