House of Representatives Committees

| House of Representatives Standing Committee on Economics

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Appendix A – Submissions

No.                   Provided by

1                      CITE Centre for ideas and the economy

2                      Professor Joshua S Gans

3                      Mr Peter Mair

4                      Mortgage and Finance Association of Australia

5                      Collins Securities Pty Ltd

6                      Better Mortgage Management Pty Ltd

7                      Banking and Financial Services Ombudsman Ltd, Author

8                      Aussie Home Loans

9                      Fujitsu Consulting

10                    The Rock Building Society Limited

11                    Veda Advantage

12                    Reserve Bank of Australia

13                    GE Money

14                    PMI Mortgage Insurance Ltd

15                    LIXI Limited

16                    Mortgage Choice Limited

17                    Community CPS Australia Ltd

18                    Australian Finance Conference

19                    Credit Ombudsman Service Limited

19.1                 Credit Ombudsman Service Limited (Supplementary)

20                    Resi Mortgage Corporation Pty Limited

21                    Brotherhood of St Laurence

22                    Mates Rates Mortgages

23                    CHOICE

24                    Council of Mortgage Lenders

25                    Wesley Mission

26                    Australian Bankers' Association Inc.

27                    Commonwealth Bank of Australia

28                    ANZ

29                    Bank of Western Australia Ltd

30                    Australian Securitisation Forum

31                    National Australia Bank

31.1                 National Australia Bank (Supplementary)

32                    Australian Treasury

33                    Consumer Credit Legal Centre NSW Inc; Care Inc Financial Counselling Service and the Consumer Law Centre of the ACT

34                    Australian Prudential Regulation Authority

35                    Consumer Action Law Centre

36                    Mr Kevin Vierboom

37                    Genworth Financial

38                    Department of Consumer and Employment Protection Western Australia

39                    Finance Sector Union

40                    Challenger Financial Services Group

41                    Mr Geoffrey R Hodgkinson

42                    Abacus - Australian Mutuals

42.1                 Abacus - Australian Mutuals (Supplementary)

43                    Australian Payments Clearing Association

44                    Reserve Bank of Australia

45                    Ms Maria Rigoni

46                    All Home Loans (Queensland) Pty Ltd

47                    Mortgage Ezy

48                    Finance Brokers of Tasmania Pty Ltd

49                    Get Financed (NSW) Pty Limited

50                    Private Lender

51                    Barker-Smith Finance

52                    CBC Home Loans

53                    The Money Tree

54                    Wheatley Financial Services Pty Ltd

55                    Liberty Financial Services

56                    Refund Home Loans

57                    Beltina Pty Limited

58                    Choice Home Loans

                        (additional 346 form letters are listed below)

59                    ING Direct

60                    Reid Consultants

 

 

Additional form letters

                                               

Organisation From
  Bruce Conn
  Jonathan Joyce
  R E Russell
MortgageBroker.com.au  

Stephen Bastick

ADA Financial Services Deb Hammersley
Advanced Mortgage & Legal Group Erik Laane
A-Lend Teo Torrelli, Director
Auscredits Donna Wood
Auscredits Victor Gonzalez
Auscredits Kylie Schulke
Auscredits Stephen Davis
Auscredits Jim Easton
Auscredits Andrew Keir
Aussie Mortgage Masters Geoff Burden
Colonial State Capital John Angelou, Business Manager
DPS Financial Services Pty Ltd David Soorkia
EIP Mortgage Solutions Pty Ltd Gary Dodd
Elders Home Loans Nicole Cruickshank
Finance Brokers of Tasmania Pty Ltd David Haas
Financial Zone Pty Ltd Peter Ioannidis
Green Light Home Loans Bevin Weier
Green Light Home Loans Ken Pitt
Habitat Finance & Insurance Rory Cowman, Director
Home2Home Loans Pty Ltd Matt Cook
Homeloans 1st Xenia Pericich
Horizon Mortgage Planners Pty Ltd Pauline Murray, Director
Infinity Partners Finance Sean Soole, Director/CEO
Integrity Loans Robert Knight, Manager
Intelligent Finance Philip Ioannou
Intelligent Finance Kevin Croom
Intelligent Finance Justin Doobov
Lonestar Finance Indira Panicker
M&J Financial Services Mark Jenson, Director
Maverick Financial Services Paul Brotherson, Director
Maverick Financial Services Nick Allman, Senior Finance Consultant
Meares Funding Grant Marshall, Senior Lending Manager
Meares Funding Adam Gubbay, Project Finance Executive
Medina Financial & Legal Services Saad Hussein, National Sales Manager
Mint Financial Services Pty Limited Graham Gribble, Director
Moneywise Group Leasing Dario Basili, Manager Loans & Leasing
Mortgage Simplicity Robert Seton, Managing Director
MSBN Loans Naresh Mehrok, Mortgage Broker
Nest Egg Solutions Terry Thane
O’Keeffe Financial Solutions Paddy O’Keeffe, Director
Premium Mortgage Group Aydn O’Neill
Prime Partners Lending Pty Ltd Patrick Kazzi
Pro Mortgage Wayne Pattison, Director
Pro Mortgage Keith McLaren
ProSolution Private Clients Stuart Wemyss, Director
Quantum Loans Terry Brown, Principal
Real Financial Solutions Neville Herse, Director
Rightgroup.biz Victor Kumar
Riverina Finance Nicole Cruickshank
Sage Lending Solutions Peter Tersteeg
Salisbury Partners R A Roumanus, Director
Smart Lending Solutions David Alderdice, Director
Top End Homeloans

Andrew Harley

WhyGroup Petros Arvanitis, Managing Director
You Select Home Loans Allan W Pearson, Director
Summit 21 Home Loans Karen Nahm, Director
Titanium Planners Andrew Blanchette
  Peter P Troiano
  Peter Dunn
  Aussi Mchugh
Action Mortgage Finance Doug Barlow, Director
Action Mortgage Finance Don Burman, Director
Aeoliana Finance Damien Zanin, Director
All Coast Home loans & Finance Greg Crellin
All Facets financial Services Leigh P Salter
Ambrosia Mortgage Services Sylvie Lo Monaco
Aus Asia Finance Patricia Goh, Principal
Auscredits Lynne Sturgess
Auscredits Sylvia Turpin
Auscredits Kathy Curry
Aussie Mortgage Masters Lynne Cox, Director
Australian Lending Centre Chris Riotto
Australian Lending Centre Lili Amphone
Australian Lending Centre Verushka Naidoo
Australian Lending Centre Karolina Rongo
Australian Mortgage Alliance Spenser Fong, Principal
BC Home Loans Bradley James Collett, Director
Big Picture Financial Solutions Karen Delvaux
Big Picture Financial Solutions Richard Flint
Big Picture Financial Solutions Simon Tanner
Capital Lending Group John Boudoukos
Carlsan Financial Services Carl A Loughman, Personal Mortgage Adviser
Cascade Home Loans Pty Ltd George Gyeorffy
Central Credits Pty Ltd Peter MacSween, Director
Channel Direct Home Loans Robyn Roberts
Channel Direct Home Loans Fred Roberts
Chocolate Money Harry Pontikis, Director

Richard Tegoni, Director

 
Choice Home Loans Michael Eyles, Principal
Choice Home Loans Jeff Geering, Principal
Choice Home Loans Debbie Love
Choice Home Loans Jeff Gerrans, Principal
Commercial Brokers Australia Gary Davis, Director and Mark Grady, Partner
Cosimfree Home Loans Andrew Edmunds
Crawford Mortgage Services John Maynard, Director
Eastcoast Finance Options Pty Ltd David Smith, Finance Strategist
Equity Express Pty Ltd Tim Salway
Expert Lending Selina Yong
Expert Lending Paula McSporran
Expert Lending Andrew Hill
Expert Lending Steve Moore
Finance Brokers of Tasmania Pty Ltd Ken Walton
Finance Solutions 24/7 Chris Crawley, CEO
Finance Solutions 24/7 Craig Adams
Finance Solutions 24/7 Tanya Shaw
First 4 Finance Gary Strickland, Director
Fort Knox Home Loans Robert Knox, Mortgage Planner
Fox Morris Financial Services Adam Johnstone
Freedom Home Loans Roy Shippen
Global Capital Finance Solutions Neville Halil
Graham Quast Home Loans Graham Quast, Manager
Group Finance & Associates Pty Ltd P J Boyle, Director
Hawkins Financiers Rick Hawkins
Ikon Finance Pty Ltd Ling Ying Wang
Investor Loans Network Andrew Blackburn
Jess Bryant Financial Services Pty Ltd Jeff Bryant
John Rose & Associates WA

John Rose

Joseph Previti, Mortgage Manager Joseph Previti
Joslan Securities Pty Limited Geoff Neilson, Managing Director
KamBiz Mortgage Services Kamran Sedghi
Kennedy Financial Solutions Pty Ltd Susan Kennedy
Keyfern Finance

J G Gray, Director

Macquarie Commercial Finance

Lauren Smallsman, Personal Assistant

Macquarie Commercial Finance Tim Lowe, Director
Macquarie Commercial Finance Andrew de Saxe, Finance Consultant
Marble Finance Joel Schonberg, Director
Master Lending Services Neil McCahon
Matera Harper Kahl Craig Harper, Director
Matera Harper Kahl Carl Matera, Director
Matera Harper Kahl

Simon Kahl

Midas Mortgages

Charlton Kerr

Mortgage Fair Barry Howlett
Mortgage Link Chris Lloyd, Director
Mosaic Home Loans

L D McCormack

Nevlyn Financial Services Nev Kross
NSW Mortgage Corp Pty Ltd Amelia Soares
One for Home Loans Grahame Bishop
Personal Mortgage Managers Anthony Damen
Personalised Financial Services Pty Ltd Keith Alexander
Peter Gomm & Associates Pty Ltd Peter Gomm
Professional Financial Services WA Frances Letizia & Neil Pendlebury, Directors
Real People Finance Brett Abikhair, Director
Red Finance Pty Ltd Darryn Gledhill
Red Finance Pty Ltd Peter Smith
RLA Finance Australia Ralph M Lawson
Sentrik Finance G J Harris
Sentrik Finance K B Feltham
Serenity Finance Services

C W Gates, Finance Consultant

SFE Loans Sarah Eifermann
Smart Financial Pty Ltd Dale Bannerman, Director/Lending Advisor
Southern Cross Loan Centre Travis Garmony
Specialised Mortgage Solutions Barry Swain, Mortgage Adviser
Stateplan Business Finance Brokers Peter Smith
The Australian Mortgage Specialists Judy Kohler
The Australian Mortgage Specialists Trish Lalicz
The Australian Mortgage Specialists Jessica Kohler
The Loans Analyst Theo Angelopoulos, Manager
Veritas Lending Georgina Anderson, Principal
Wealth-Café Home Loans Peter Colvin, Director
Westap Finance Tony Pemberton
Westate Finance Kevin Pausin, director
Zobel

Brad Smart

A Milner Financial Services

Adrian D Milner

Able Finance Services Sam Crowley
Absolute Financial Services Mark Cook
Almarex Financial Solutions Pty Ltd Alexander Marchinovskiy, Managing Director
CGB Finance Consultants Pty Ltd

Colin Brennan

Choice Home Loans Narelle Beak
Choice Home Loans Geoff Sinfield
Deakins Home Loan Supermarket David Deakin
Expert Lending Jason Knauer
Finpro Finance & Property Solutions David Painter, Director
Harvest Financial Services Alan Plumridge, Director
Home Finance Centres of Australia Alan Watkinson, Business Development Manager
Invent Pty Ltd Tim Murray, Director
L J Hooker Financial Services Gerard Credlin
Mason Management Financial Services Greg Mason, Principal
Pegasus Finance Peter Ramsay, Finance Director
Prescott Securities Paul Frisby, Manager
Raine & Horne Financial Services

Shirley Philp

Refund Home Loans Steven Whitfield, Principal
Reward Home & Commercial Loans Lisa Berg, Director
Savvy Finance Group Noel Ryan
Source Financial Services Gexuan Wu, Senior Mortgage Broker
The Australian Mortgage Specialists Maggie Shortus
The Australian Mortgage Specialists Doug Bannister
The Australian Mortgage Specialists Peter Green
The Australian Mortgage Specialists Jan Lowe
  Peter Schrader
Able Finance Services Shane Crowley
Able Finance Services Glenn Humphrey
Able Finance Services Michael Best
Able Finance Services Laurie Williams
Able Finance Services Martin Mills
Able Finance Services Derek Lee
Able Finance Services Steve Banks
All Finanz Solutions Scott Abraham, Director
Business and Wealth Solutions Brian McClelland
Custom Mortgage Heather Pinder, Director
Encompass Financial Services Steve Skeen
Encompass Financial Services Lloyd Hughes
Financial Needs John Grabowski
Fuel Finance Craig Morgan, Director
Inlet Finance Mark Barrett
Investors Choice Mortgages Jane Slack-Smith, Director
Logical Choice Finance L J J Cantwell
Lord Finance Mark Lord
Lynx Network Asset Strategies Lorrischka Fischer, Principal
Macquarie Commercial Finance Bruce McIntyre, Finance Consultant
Mortgage & Finance Professionals Ben Baker
National Farm Finance of Australasia Raymond Hastie, Senior Mortgage Consultant
Ocean Home Loans Brad Kirwan, Principal
Rob Walmsley Financial Services Robert Walmsley
Universal Finance Pty Ltd Adam Dobek
Universal Finance Pty Ltd A Marquez
Choice Home Loans Jamie Lopez, Principal
Choice Home Loans Robert Wheeler, Principal
Macquarie Commercial Finance Adam Rugg, Finance Broker
Macquarie Commercial Finance Graeme Brown, Finance Consultant
Macquarie Commercial Finance Tracey Hosking, Personal Assistant
Macquarie Commercial Finance John Encina, Finance Consultant
Macquarie Commercial Finance Ritchie McGuinness, Director
Absolute Lending Solutions  
Spectrum Tailored Mortgages Pty Ltd Reid Swift
JayJayem Consulting Services Jay Menon
Oshawa Financial Services Richard Luke
ADA Financial Services Roxy Garro
XS Finance Peter Maroudas, Mortgage Broker
Assess Financial Services Pty Ltd George Kostanski
Property Finance Online Michelle Hall, Finance Consultant
Franck Finance Pty Ltd Ruth Franck
Education Mortgage and Finance Graham Bridgewater
Choice Home Loans Daniel Radley, Mortgage Consultant
LJ Hooker Michael Lodding, Finance Broker
Loanforce Financial Solutions Michael Tranter, Finance Broker
Span Finance Jeff Colley, Mortgage Introducer
Coastline Mortgage Services Jerry Gibb
West Coast Leasing and Finance Tibor Vagra
West Coast Leasing and Finance Hans Beyer, Finance Broker
West Coast Leasing and Finance Denis Jarovljevic
West Coast Leasing and Finance Alan McGowan
West Coast Leasing and Finance Kee Shiang Poon
West Coast Leasing and Finance Amanda Cook
West Coast Leasing and Finance Bruno Primus
West Coast Leasing and Finance Clinton Pearce
LJ Hooker Financial Services Angelo Salis
Choice Home Loans Karen Maddison, Mortgage Consultant
Loans 4 Sure Barry Bridgeman, Finance Broker
Infina Sean Blattman
Infina Lloyd Thomas
Infina Samuel Khalil
Hill Ross John O’Ryan, Manager
Merlot Finance Australia Pty Limited Michael Allen Hughes
BG Homeloans Pty Ltd Grant Hawkswell
Ocean View Home Loans Ivy Dos Santos
Winning Edge Financial Services

Matthew John McLaglen

Winning Edge Financial Services Chris Worthley, Proprietor
Moody Kiddell & Partners Robert Brownlow
Econ Finance Pty Ltd Paul Shahinian
Select Mortgage Services Peter Erzay, Finance Manager
Vertex Financial Solutions Michael Doyle, Director
Forrest Financial

Tony Forrest

Choice Home Loans Sharon Coles, Mortgage Consultant
Loans 4 Sure Julie Bridgeman, Finance Broker
Your Finance Group Pty Ltd John Annear, Mortgage Broker
WHK Mortgage First Margaret Lucas, Finance Professional
Refund Home Loans Rodney Eastment, Territory Manager
Acclaim Mortgage & Finance Andre Burress, Finance Specialist
Choice Home Loans Peter Warwick
Damara Finance Services Terry Wilson, Director
Queensland Financial Services Pty Ltd Terry Hill, Director
FinMart Finance Brokers Bill Keenes, Principal
Equal Partners

Casey Hart

Colonial State Capital Susie Angelou
ESC Finance Solutions Peter D’Arcy
Choice Rates Pty Ltd

Anthony John Blanch

LJ Hooker Financial Services Tina Broadhurst
Legal & General Properties Kelvin Gough, CEO and MD
Choice Home Loans Mark Ballard
Refund Home Loans Valorie Guldbaek, Territory Manager
Mortgage Foundations

Ian McDonald, Director

Westminster Lending Corporation John Kiely
Choice Home Loans

Rhonda Kendall

Loan Scan Damien Arts, Principal
Loan Scan Paul Hampel, Loan Consultant
Elders Home Loans Ian Wachtel, Regional Development Manager
BFS Finance Col Binding
Refund Home Loans Flemming Guldbaek, Territory Manager
Driver Business Solutions Pty Ltd Nick Driver
Southside Mortgages Wendy Beverakis, Director
Velocity Home Loans Scott Langford, Director
  Suzanne Sykes
Option One Financial Partners Mark Hossen, Director
Holdfast Finance Pty Ltd Geoff Carter
Loans 4 Sure Todd Bridgeman, Director
Queensland Financial Services Pty Ltd    

Trevor Creeley, Director

Midas Group Jaclyn Merlino, Director
Loanstream Finance Geoff Kitson
One Site Financial Solution Liz Zaki, Loans Advisor
Finance Corp Julie Ivey
John Baggott & Associates Pty Ltd Andrew Townsend
Pro Mortgage Gavin Moroney
Westate Finance Mark Rigby
WHK Mortgage First Michael Bratby
Finance Tactics Mortgage Brokers Tina Pupello
Best Home Loans & Mortgage Services Jemmy Best
Dencorp Financial Solutions Steven Denver
Ernst & Jones Finance Brad Jones
  Russ Jewell
Need a Mortgage Pty Ltd Glen Miller
Boutique Finance Shane Will
Boutique Finance Cheryl Quabba
Gray Mortgage Originators Simon Gray
Gray Mortgage Originators Nathan Xenophontos
ADA Financial Services Jamie Hammersley
Your Finance Group Pty Ltd Raymond Webb
Queensland Financial Services Pty Ltd Lisa Venaglia
Wells Partners Frank Schiraldi
Patto’s Finance on the Go Pty Ltd Kylee Pattison
Larry Walker Home Loans Larry Walker
Elite Banking Related Solutions Ben Nicholls
Aussie Mortgage Masters Aron Cox
Choice Home Loans Maria Siracusa
Choice Home Loans Peita Davies
Choice Home Loans Katrina Couchman
Total Home Loan Options Sharene Dearlove
Good Ideas Man Peter Mullane
Melbourne Broker Alliance Pty Ltd Michael W E Hosking
Vasse Finance Sophie Dwyer
All Finance Pty Ltd John Swanson
Precise Finance Solutions Pty Ltd David Morgan
Refund Home Loans Annette Law
Ryan Mortgage & Finance Pty Ltd Chris Ryan
Choice Home Loans Sharyn Perrott
Woodview Home Loans and Finance Adrian McMahon
  Dean Brown
Choice Home Loans Roland Serventy
First Choice Mortgage Solutions Steven Andrews
North West Finance Pty Ltd Brian J Smith
Home Star Finance Bridget Allan
Premier Finance & associates Pty Ltd Cameron Dunlop
Tailored Lending Concepts Stephen Rasmussen
  K Heading
Mrs Mortgage Jennifer M Schelbert
Centrepoint Finance QA Pty Ltd Murray Jackson

 

 

 

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