About UsThe Mortgage Australia Group Pty Ltd works with clients to determine their borrowing needs and ability. We help you select a loan from one of our over 40 lenders, that is suited to your circumstances and manage the process through to settlement. We do not charge you a fee for our service. Incorporated in May 2000, we have grown steadily to over 50 offices nationwide, in both metropolitan and regional areas. We have organized loans through our network of mortgage lenders for over 11,000 customers, totaling well over $2 Billion in settled home loans. It is our job to do all the legwork for you in choosing the right home loan and securing the lowest mortgage interest rate. We are experts in lending and current interest rates and give you access to hundreds of loans from a huge variety of mortgage lenders. We also have access to wholesale mortgage interest rates from AA rated major mortgage lenders, often as much as 1% cheaper than the standard variable mortgage rates of major banks. As the home loan market becomes increasingly complex, our clients use us because we save them time and money- simplifying the lending process and ensuring you get the right loan features combined with the lowest mortgage rates. We give you choiceMortgage Australia organises loans on behalf of over 40 major and well-known lending institutions. With the latest information technology and mortgage tools we keep up-to-date with their latest offers and the best mortgage rate available with each lender. We have a great deal of flexibility in the loans we can offer. We save you moneyInformed choice is the only way to be confident you aren’t paying too much, and that is what we provide. By comparing hundreds of different loan options you will see the difference the right loan makes. We help you build wealthBorrowing money in the right way is a key component to any wealth creation strategy. Understanding the difference between good and bad debt – debt that works for you instead of against you – is critical. Having an appropriate loan which works for you will help you build wealth. We save your timeThe choices now available in the Mortgage market can seem limitless and completely overwhelming. You can choose to speak to dozens of lenders and research their products and lending policies yourself, or work with Mortgage Australia who already has that knowledge. We will listenThe most important attribute we have is that we listen very carefully to you so we can really understand your current circumstances and future plans to recommend a loan that is right for you. In our experience the best outcomes only occur when we fully understand your current situation and your future financial goals. We can help you avoid pitfallsMany products seem to offer a great deal but they could have penalties, fees and charges you may not be aware of. Or, they may not offer the flexibility you require in the future. We can help you avoid taking out a loan you might later regret. We consistently see people who have organised a loan with their local bank manager and discover they could have gotten a loan with the same lender at a significantly lower interest rate. We don't charge youThe Mortgage Australia Group doesn't charge a fee for our service as the lenders pay us a commission for the loans we write. Many of our cheapest lenders only work through broking groups like ours as it is cheaper for them to use us than maintain their own full-time staff. Often we can also save you money in other ways. How Are we different from other mortgage brokers? 1) We have access to a huge panel of lendersWe offer loans from the lenders we are accredited with - our “panel of lenders”. Our lenders range from the large banks through to specialist non-bank lenders, mortgage managers, wholesale lenders, credit unions, building societies, private funds and more. We have access to over 40 of Australia’s major lenders. This means a genuine choice in lenders and substantial differences in cost over the life of the loan from the more expensive to our very cheapest lenders. 2) We are MFAA MembersMFAA members must adhere to the industry Code of Practice which required high professional standards, fair business practices, ethical behaviour and compliance with both the letter and the spirit of the relevant laws and regulations – all in the interest of you, the borrower. Our Full Membership number is 9560. Click here for more information. MFAA sets the highest standards in the industry for its members:
3) No fee for our serviceWe are remunerated by the lender and receive a commission on the loans they settle. We do not charge you, our customer, for our service due to this arrangement. As part of our Quality of Service process you will be fully informed of the commissions payable to us from each of our lenders - we insist on providing complete transparency in assisting you to choose a loan that is the best for you. 4) Over $2 Billion in settled loans and over 11,000 customersThe Mortgage Australia Group was established in May 2000 and has assisted many thousands of customers with their financial needs. This great level of experience means we have helped people in all kinds of unique and difficult circumstances, as well as those customers who just want the lowest rate possible. 5) We are members of the Credit Ombudsman Service Ltd (ASIC Approved)The Credit Ombudsman Service Limited (COSL) is the external dispute resolution scheme for the non bank credit industry, approved by the Australian Securities and Investments Commission (ASIC). For consumers, this is a free and independent external dispute resolution (EDR) scheme. It provides you with an alternative to legal proceedings for resolving any disputes with us. What this means for you is that if you have a complaint about our service you have recourse, at no cost to you, to an independent third party who will make a determination about the dispute to which we are bound to comply. Our membership number is 408857 Should you have a complaint please contact us on 1300 303 967 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it and we will seek to resolve the issue to your satisfaction. Also, here is a copy of our Dispute Resolution Procedure. This demonstrates our commitment to providing a quality value-added client service to you. 6) We have been commended in parliamentUpon receipt of an Annual Rotary Pride of Workmanship award, the Mortgage Australia Group was commended in parliament as recorded in the NSW Legislative Assembly Hansard. This is recognition of the commitment of Mortgage Australia brokers to our Quality of Service processes and support of our customers. 7) We have access to wholesale interest ratesA tangible benefit we can provide compared to smaller Mortgage Broking firms, included with our 40 major lenders, is that we can present you with fully featured home loans at market leading wholesale interest rates, securely provided by Australia’s largest direct bank. This can be as much as 1% cheaper than the standard variable rates available from a bank or credit union branch, with the security of AA and A1+ rated funding. 8) We hold Corporate and Individual Finance Brokers LicensesThe Mortgage Australia Group operates under the most rigorous Mortgage Broking legislation in Australia, the Finance Brokers Control Act 1974. Under this Act the Mortgage Australia Group holds a Corporate Finance Broker’s License (#1146), the Managing Director holds an Individual Finance Brokers License (#1183), and several other Individual Finance Broker’s Licenses are held within the Group. Only a small proportion of Mortgage Brokers must adhere to this, the highest standard of legislation for Mortgage Brokers in Australia, indicating that we are a specialised and dedicated Mortgage Broking firm. This is another example of our professionalism and commitment to the Mortgage Broking industry, and to providing the highest quality of service and accountability in all our dealings with our valued customers. 9) We are national - and localWe have over 50 offices across every state of Australia in both metropolitan and regional areas. Our size gives us buying power and leverage with our lenders, whilst the tens of millions of dollars in home loans we settle ever month means we have a vast pool of experience to know how to meet even the toughest lending situations. In contrast, by being a part of our local community we know the local lenders and often which lenders will and won’t lend (and how much they will lend) in a given area. Some of our clients like to organise everything over the phone and via email and fax, while most prefer to sit down and go through things in person, either at our office or your home or workplace – we will work in whichever way you choose. 10) What we can do for youThe Mortgage Australia Group helps people in all kinds of situations, including those below. It looks confusing, but don’t worry, we will walk you through from start to finish and you can be confident you have the correct loan type for your needs at the lowest rates. In this rapidly changing world of finance, we will probably be able to present some options you didn’t even know were available.
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Welcome to Mortgage Australia...
The path to choosing and winning your best home or other loan can be time-consuming and stressful. It could be costly too if you end up with the wrong type of loan from a lender that promptly forget...
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