Terms of use.

This website is operated by Tesseract Finance Pty Ltd (ABN 90 684 948 801) trading as Hypercube Finance. These terms of use apply to all visitors and users of the site. We may update these terms from time to time — the most recent version will always be published on this page.

These terms are effective as of 13 April 2026 and were last updated on 13 April 2026.

All content on this website — including text, graphics, logos, brand marks, page designs, calculator tools, and underlying HTML, CSS, and JavaScript code — is the intellectual property of Tesseract Finance Pty Ltd (trading as Hypercube Finance) or is used under licence, and is protected by the Copyright Act 1968 (Cth) and other applicable intellectual property laws.

The Hypercube Finance name, logo, and cube mark are trade marks of Tesseract Finance Pty Ltd. You may not use these marks without our prior written consent.

You may view, download, and print pages from this site for your own personal, non-commercial use, provided you do not modify the content or remove any copyright or proprietary notices. You may not reproduce, republish, distribute, sell, or commercially exploit any content from this website without our prior written permission.

Certain images on this site are sourced from third-party providers under their respective licences and remain the property of their original creators.

You agree not to use this website in any way that is unlawful, misleading, malicious, or that could harm Hypercube Finance, its clients, or other users. Without limitation, you must not:

(a) attempt to gain unauthorised access to any part of the site or its underlying systems; (b) interfere with or disrupt the operation of the site; (c) use automated tools, bots, or scrapers to extract content; (d) reproduce, mirror, or frame any part of the site on another website; or (e) use the site to transmit unsolicited commercial communications.

The calculators provided on this website (including the borrowing power, repayment, stamp duty, LMI, and offset savings calculators) are intended as indicative tools only. They use simplified assumptions and do not account for your full financial circumstances.

Calculator outputs do not constitute a lending decision, pre-approval, credit assessment, or financial advice. Actual figures will depend on your individual circumstances, the lender's policies, and current market conditions at the time of application. Stamp duty rates are subject to change with state and territory budgets — confirm with the relevant state revenue office before relying on any figure.

The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. It is not, and should not be taken as, a recommendation or statement of opinion intended to influence your decision-making. You should consider whether the information is appropriate for you and seek independent professional advice where relevant.

To the maximum extent permitted by law, Tesseract Finance Pty Ltd (trading as Hypercube Finance) excludes all liability for any loss or damage — whether direct, indirect, consequential, or incidental — arising from or in connection with your use of, or reliance on, any information provided on this website.

This website may contain links to third-party websites. These are provided for convenience only. We do not endorse, control, or accept responsibility for the content, products, or practices of any third-party site.

These terms are governed by and construed in accordance with the laws of the State of Victoria, Australia. You irrevocably submit to the exclusive jurisdiction of the courts of Victoria and the Federal Court of Australia sitting in Victoria.

If you have any questions about these terms, please contact us at info@hypercubefinance.com.au.