Our editorial principles
- Independence. Editorial content is developed independently of our commercial relationships with broker partners. No partner pays for placement, ranking or favourable coverage, and no partner sees content before publication.
- Accuracy. Factual claims are sourced to primary Australian authorities (ATO, ASIC, AFCA, RBA, AASB) or current market data. Where we estimate, we say so.
- Currency. Time‑sensitive figures (rate ranges, ATO thresholds, accounting standards, fee bands) carry a visible date and are reviewed on a documented cycle.
- Plain English. We explain technical terms in context and avoid jargon where we can.
- Transparency. We disclose our commercial model, our sources, our limitations and our use of tools openly.
- Generality, not advice. Everything we publish is general information. We don't write content tailored to an individual reader's circumstances.
Independence from commercial relationships
Asset Finance Help is funded by commercial referral arrangements with accredited Australian asset finance brokers (see Disclosures). To keep editorial independent of that revenue model, we apply the following rules:
- Broker partners do not commission, sponsor, approve or pre‑review content.
- Pages are not ranked, ordered or recommended on the basis of referral fees.
- Comparison content covers the market as we understand it — including products our panel does not arrange.
- We don't accept paid placements, paid links, sponsored "guides", or advertorial dressed as editorial.
- Where an example uses a specific lender or product, it's for illustration only and not a recommendation.
If we publish a comparison that mentions our broker panel, we identify that relationship in the same context.
Sources we use
For facts, figures and rules, we draw on (in order of precedence):
- Primary regulators and authorities: Australian Taxation Office (ato.gov.au), Australian Securities and Investments Commission (asic.gov.au), Australian Financial Complaints Authority (afca.org.au), Reserve Bank of Australia (rba.gov.au), Office of the Australian Information Commissioner (oaic.gov.au).
- Accounting and reporting standards: Australian Accounting Standards Board (aasb.gov.au), International Accounting Standards Board (ifrs.org).
- Legislation and statutory instruments: Federal Register of Legislation (legislation.gov.au) — including the National Consumer Credit Protection Act 2009 (Cth), the Personal Property Securities Act 2009 (Cth), the Privacy Act 1988 (Cth) and ATO tax rulings (TR series).
- Industry bodies: Australian Finance Industry Association (afia.asn.au), Mortgage & Finance Association of Australia (mfaa.com.au), Finance Brokers Association of Australia (fbaa.com.au).
- Lender disclosures: publicly available product disclosure statements, target market determinations and rate cards.
- Current market data: indicative rate, term and fee ranges aggregated from broker channels and lender publications, refreshed on the cadence set out in our Methodology.
Secondary commentary (industry media, association publications, analyst reports) is treated as background and is cross‑checked against primary sources before we publish a claim.
How we verify content
Each page goes through three stages before publication:
- Research. Source identification, rule and figure capture, comparison against current authoritative materials.
- Drafting. Plain‑English explanation, worked examples where useful, and explicit caveats where the rule depends on circumstances.
- Review. Editorial review for accuracy, currency, balance and clarity, including checks that any rate, fee, threshold or ATO figure matches its source on the day of review.
Pages carry a "Last reviewed" date that reflects the most recent editorial review, not the original publish date. A page is only re‑dated when it has been re‑checked, not when minor formatting changes are made.
Update cadence
- Quarterly review: rate ranges, fee bands, balloon and residual norms, indicative repayment examples.
- On‑trigger review: ATO measure changes (e.g. instant asset write‑off thresholds, temporary full expensing), RBA cash rate moves, AASB updates, legislative changes, ASIC guidance updates.
- Annual review: all evergreen reference pages reviewed at least once every twelve months.
- Ad‑hoc: reader corrections, source corrections, factual updates triggered by feedback.
Our planned next review date is published on time‑sensitive pages. When a scheduled review confirms a page is still accurate, we record the review date and leave the content unchanged.
Corrections and complaints about content
If you believe something we've published is inaccurate, out of date, or misleading, please email [email protected] with:
- The page URL.
- The specific statement you're flagging.
- The source or reasoning that supports the correction (if available).
We aim to acknowledge correction requests within one business day. Material corrections are made promptly, and where a factual error has been live for a period that matters, we add a brief note recording the change. Minor edits (typos, formatting) are made silently.
Complaints about Asset Finance Help itself are handled under our Contact page complaints process. Complaints about a credit provider or broker we've introduced you to should be raised with the provider directly, or with the Australian Financial Complaints Authority (AFCA) on 1800 931 678 or at afca.org.au.
Use of AI and other tools
We use software tools — including large language models — to assist with research, drafting, copyediting and structural work. We do not publish raw AI output. Every page is reviewed by a human editor for accuracy, sourcing, balance and Australian relevance before it goes live, and re‑reviewed on the cadence above.
We disclose this use because it's relevant to how readers should treat our content: as carefully reviewed information drawn from primary sources, not as a real‑time read of the law. If a claim on this site matters to a decision you're making, verify it against the primary source we link to (or against your professional adviser) before acting.
What we will not publish
- Personal financial, tax or legal advice for an individual reader's circumstances.
- Content that purports to come from a named expert author when no such named expert has reviewed it.
- Affiliate or referral content presented as independent editorial.
- Comparisons that misrepresent which products our panel can or cannot arrange.
- Promises about approval, interest rates, eligibility or settlement timing that we can't substantiate.
- Content that targets consumer credit borrowers; this site is for business and commercial asset finance only.
Authorship
Content on Asset Finance Help is authored, reviewed and maintained by the Asset Finance Help editorial team. We don't attribute individual articles to named writers because we believe the better trust signal is the editorial process itself — sourcing, review, correction and update cadence — which is the same regardless of which team member draft an article.
The team's work is governed by this Editorial Policy and our Methodology. The team is supported by editorial leads who have direct experience in Australian commercial finance and accounting; their role is editorial, not advisory, and they are not licensed to provide credit assistance or financial advice through this site.
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