Reviewed by Corey Marino Founder & Finance Broker, FBAA & AFCA member
Last reviewed 14 August 2026 · About Corey →
On this guide
Last reviewed: 17 August 2026
Finance information can affect expensive, long-term decisions. These guidelines explain how X Lend produces website content, what our writers and reviewers check, how commercial relationships are handled and what to do if something needs correcting.
Our editorial standard
Our goal is to answer the question a reader actually has in plain English, while making the limits of general information clear. We do not promise approval, a particular rate, a tax outcome or a guaranteed saving. We distinguish between what is generally possible and what is known about a person's actual application.
Every published guide should:
- identify the finance structure or decision being discussed;
- explain the material trade-offs, not only the benefits;
- distinguish X Lend's role as a finance broker from a lender's role as the credit provider;
- state when an outcome depends on lender policy, credit assessment or the reader's circumstances;
- link to relevant primary or authoritative Australian sources where they improve the answer; and
- give the reader a practical next step without creating false urgency.
Who writes and reviews our content
X Lend's finance content is produced for the business and reviewed by Corey Marino, founder and finance broker. Corey's credentials, professional memberships and areas of finance experience are listed on his profile.
Content about tax, law, insolvency, financial hardship or health is kept within the limits of general information. Where a decision needs specialist advice, we tell readers to speak with an accountant, solicitor, financial counsellor, health professional or other appropriately qualified adviser.
Sources and fact checking
We prefer primary Australian sources such as ASIC and Moneysmart, the Australian Business Register, the Personal Property Securities Register, legislation and regulator guidance. Lender criteria can change quickly, so a product page describes common considerations rather than presenting one lender's current policy as a universal rule.
Before publication we check names, dates, formulas, internal links, external references and material claims. Rates, lender counts, review figures and similar changing claims are maintained centrally so they can be reviewed consistently across the website.
Rates, examples and calculators
Examples are illustrative unless clearly labelled otherwise. A repayment example is not a quote and does not establish eligibility. Calculators disclose their assumptions and cannot account for every fee, lender rule or individual circumstance.
Where a consumer interest rate is displayed, the surrounding page must provide any required comparison-rate context and example assumptions. A reader's actual rate may be higher or lower.
Commercial relationships and independence
X Lend may receive commission from a lender when finance settles. That commercial relationship does not allow a lender to buy favourable editorial coverage. Our guides do not rank a lender because it pays more. When discussing finance options, we consider relevant factors such as policy fit, total cost, structure, timing and the needs disclosed by the applicant.
For more detail, read How We Work and the Credit Guide & Quote.
Updates and corrections
We review pages when we become aware of a material policy, regulatory or product change and periodically otherwise. A visible review date indicates when the page was last checked, not that every lender's policy is fixed as of that date.
If you find a factual error, broken source or unclear claim, email info@xlend.com.au with the page address and the issue. We investigate substantiated corrections and update the page when required.
Complaints and feedback
Editorial feedback can be sent to the email above. If your concern relates to our credit assistance or service, use our complaints handling process, which explains the available escalation path.