about us

We have over 19 years experience in the finance industry in Australia, New Zealand and the United States of America. Our Director has a Diploma of Financial Services (Finance & Mortgage Broking) and has many happy satisfied clients that have started and kept growing their property portfolio.

Professional Lenders Association Network of Australia

Code of Ethics
We, as a full member of the Professional Lenders Association Network of Australia set out this code of ethics outlining the minimum ethical standards to be maintained. By adhering to this Code of Ethics we believe that we will:

• Safeguard the reputation and standing of PLAN Aust and it’s members.
  
  
• Provide consumers with a high level of confidence and trust in the mortgage broking and finance planning industry and thereby
  
  
• Raise the profile and business of all Australian mortgage brokers and finance planners.
  
  
• TO ACT WITH HONESTY AND INTEGRITY AT ALL TIMES. This will extend to representations made in advertising, commissions received, all communications, advice provided and customer applications. This will ensure that the best interests of both the client and financial institution are always upheld.
  
  
• TO COMPLY WITH ALL LAWS & REGULATIONS RELATING TO THE MORTGAGE INDUSTRY
  
  
• To maintain a current understanding of and adherence to all laws and regulations as they pertain to the finance industry.
  
  
• CONFLICTS OF INTERESTS
  In each professional assignment undertaken, a member must both be and be seen to be free of any interest which is incompatable with the best interests of the client. This will extend to both product advice and commissions received. Substantation of any recommendation will be freely provided to the client.
  
  
• TO MAINTAIN CONFIDENTIALTY AT ALL TIMES

THROUGH ADHERANCE OF THE ABOVE, PROFESSIONAL CONDUCT WILL BE MAINTAINED AT ALL TIMES.

Mortgage & Finance Association of Australia

SO WHO CAN YOU TRUST ?
It's fair to say that there are a few operators in the mortgage and finance sector today who are not entirely ethical. When you are making a large financial commitment, who should you trust? An MFAA member?
MFAA – PROFESSIONAL & ETHICAL The Mortgage & Finance Association of Australia (MFAA) is the peak industry body and now represents more than 12,000 professionals. Formerly the MIAA (the Mortgage Industry Association of Australia), the MFAA is actively working to promote and maintain the highest standards of professional and ethical behaviour. When you choose an MFAA member, you can be confident you're working with someone who has the knowledge and integrity to find the loan that's appropriate for your circumstances.

Why you should insist on an MFAA member
The MFAA helps you borrow with confidence by insisting that all members comply with and maintain a rigorous set of standards and requirements. Here is why you should insist on working with an MFAA member.

Experience
Many people claim to be a loan consultant. But to become a member of the MFAA, an individual must have at least two years' relevant industry experience or have met a minimum standard of education.

MFAA members must satisfy strict educational requirements , and undertake ongoing professional training to keep up with the latest industry developments. That's why MFAA member has the knowledge to help guide you to the loan that is appropriate for your particular situation.

Accreditation
You can find further proof of the expertise of your loan consultant through the MFAA's accreditation ratings. A mortgage loan writer is called an Accredited Mortgage Consultant (AMC). With greater experience and training, members can apply for accreditation as a Certified Mortgage Consultant(CMC).

Integrity
Most importantly, MFAA members must adhere to an industry Code of Practice that demands a high professional standards, fair business practices, ethical behaviour and compliance with both the letter and the spirit of relevant laws and regulations. MFAA's disciplinary rules and procedures help rid the industry of rogues and make life safer for borrowers like you.

Dispute resolution
If you deal with a non-MFAA member, dispute resolution can be difficult. However every MFAA Member is required to be a member of an External Dispute Resolution Service(EDR). This means that you can refer and disagreements to the EDR at no cost to you.

Credit Ombudsman Service Limited

The Credit Ombudsman Service provides consumers and members with an alternativeto legal proceeding for resolving their disputes. The broad ain of the Credit Ombudsman Service is to provide independent and prompt resolution of disputes in accordance with:

relevant legal requirements

• The mortgage & Finance Association of Australia(MFAA, formerly MIAA) Code of Practice and other recognized Codes of Practice
• good practice in the credit industry
• fairness in all the circumstances

Individuals who refer their complaint to the Credit Ombudsman Service can have their complaint determined by the Credit Ombudsman. The Ombudsman's decision is binding on a Mmber only if the consumer accepts the Ombudsman’s decision.