Credit Regulations 1985

1. The amount financed expressed in accordance with Schedule 4 to the Act

Amount financed

2. The credit charge expressed in accordance with Schedule 5 to the Act

Credit charge

3. The annual percentage rate expressed in accordance with section 38 of the Act

Annual percentage rate

4. Amounts payable by the debtor to the credit provider in respect of — 

(a) insurance of mortgaged property (not being compulsory insurance;

Mortgaged property insurance

(b) insurance against loss of the security interest of a mortgagee by reason of any Act;

Title insurance

(c) insurance against sickness of, accidental injury to, or disability or death of, the debtor or debtors

Consumer credit insurance

(d) life insurance of the debtor or debtors;

Life insurance

(e) insurance against unemployment of the debtor or debtors;

Unemployment insurance

(f) insurance against loss of profits by the debtor or debtors;

Loss of profits insurance

(g) stamp duty payable in respect of or in relation to — 

(i) the loan contract;

Contract stamp duty

(ii) any mortgage relating to the loan contract entered into on or before the relevant date as defined in clause 2 of Schedule 4 to the Act; and

Mortgage stamp duty

(iii) the sum of paragraphs (i) and (ii);

Total stamp duty

and

(h) fees payable to a legal practitioner (not being the credit provider or an employee of the credit provider) authorised to prepare documents for the loan contract or for a mortgage relating to the loan contract entered into at or before the time of the making of the loan contract

Legal fees

5. The Act

Credit Act 1984

6. This Regulation

Credit Regulations 1985

7. The Commissioner ² or the Department of Consumer and Employment Protection

Consumer and Employment Protection