We are licensed
The mortgage industry is regulated by the industry bodies MFAA and FBAA, with a Code of Practice that requires high professional standards, fair business practices, ethical behaviour and compliance with laws and regulations.
New national regulation for the credit industry, including mortgage advisers, commenced in July 2010 (known as the National Consumer Credit Protection Act), bringing the regulation of residential investment property under the control of ASIC (Australian Securities and Investments Commission).
By law mortgage advisers have to practice "responsible lending", which means extending credit that is unsuitable to the needs and financial capacity of the consumer is an offence.
We are honest
It's standard industry practice for mortgage advisers to be remunerated by lenders and receive commission on the loans we settle. This puts us in the position to be able to negotiate with a range of lenders and mortgage providers on your behalf to find the best situation for you.
We are up front about the fees associated with our service and we will happily provide client testimonials.
We offer premium advice, service and support
It is our job to advise, educate and help you to meet your financial needs. We are well versed in financial services, have years of market experience and a wealth of market knowledge.
Combined with this expertise is the personal commitment we make to our clients to listen and respond to their needs. We care about our clients and thrive on keeping you happy and being available when you need us most.
We recently had a client who told us "you made this so easy for us - I couldn't have done it without you."
It's feedback like this - from a happy client - that reminds us why we became mortgage advisers and why we love our job!