MFAA Tribunal statement on home loan advertising

The MFAA Tribunal has expressed concern about a widespread industry practice in relation to home loan advertising. This concern arose out of a specific matter before the Tribunal. However the Tribunal observed that the conduct at issue...

COSL critical of credit repair businesses

The Credit Ombudsman Service Ltd (COSL) has announced that it is proposing to refuse applications from ‘credit repair’, ‘credit fix’ and ‘debt solution’ businesses to ‘fix’ consumer credit reports. The Ombudsman’s concern particularly relates...

CommBank backs WIMBN

The Commonwealth Bank has confirmed its position as a major sponsor of the MFAA's womens' network WIMBN for 2014/2015. This exciting announcement comes just as Melissa Gielnik, 2014 MFAA Mortgage Credit Adviser of the Year, hits...

Failure to register security interest could cost $50m

A reported failure to register security interest on the Personal Properties Securities (PPS) Register for leased equipment worth approximately $50m has the potential to cause substantial loss. Energy giant, APR Energy, has reportedly failed...

ACT land title fraud

ACT Policing is investigating the fraudulent sale of a Canberra property without consent of the owner who resides in South Africa. The fraud is being investigated by both ACT Policing and the Royal South...

MFAA Tribunal urges caution in home loan advertising

The MFAA Tribunal has urged the Association to inform its members about the dangers of misleading and false home loan advertising. A recent matter before the Tribunal related to headline claims of a possible minimum deposit when,...

A cut above the rest

MFAA members are more highly recognised than non-members within the industry, as shown by the recent winners of the Australian Broking Awards 2014. Ninety per cent of the 69 finalists and 18 of the 19 winners are...

MFAA and sponsorship

From time to time MFAA receives queries from members as to the role of sponsorship in the organisation and its impact on MFAA finances. Like most associations, whether trade, professional or sporting, MFAA receives sponsorship that...

What your LinkedIn photo really says

Recently, CEO of recruitment agency Hamilton Bradshaw Group James Caan noted that a LinkedIn profile with a professional photo can make or break you. Here are his three tips on what not to do: Not having...

Share your clients' success

The MFAA wants to hear from members who wish to submit their clients' success stories. If you’ve recently helped one of your clients purchase their first home, start their first business or secure a loan that they thought...

COSL seeks industry response on credit repair changes

The Credit Ombudsman Service Ltd (COSL) has announced proposed guidelines to limit access to its complaints mechanism by some paid agencies such as credit repair agents. Access by unpaid consumer representatives such as legal aid or community group...

Webinars to improve your bottom line

MFAA Professional Development is offering two excellent webinars this month, both touching on interaction with the consumer. Adam Ramshaw, a leading small business customer feedback specialist, will show you how to use information from your customers...

Become a key player in your community

Setting yourself up as an active person in your community will help you create a strong referral network, gain the trust of the people in your area who are most likely to use your service and most importantly...

Award-winning credit adviser hits the road with WIMBN

In February, Melissa Gielnik won the coveted 2014 MFAA Mortgage Credit Adviser of the Year Award; the second female to do so in the history of the awards. In 2013 Melissa's business achieved an organic growth...

A sneak peek at what the MFAA is doing for you

There has been a lot of hard work and long hours going on behind the scenes at the MFAA to bring you a terrific range of new member benefits. Here's a sneak peek of some new things...

Boost your business with customer feedback and your trail book value

MFAA Professional Development is offering two excellent webinars this month, both focusing on ways to boost your business. Adam Ramshaw will explain how collecting and using customer feedback is not just a way to improve...

Marketing versus compliance

In any business the marketing approach is trying to selling a product or service with good sense of what consumers respond to, whereas compliance can be seen as a bit restrictive. This partnership between the two is imperative,...

SMSF: can you afford to ignore a growing market?

Borrowers are increasingly seeing SMSF lending as long-term security. On 30 June 2013, $17.5 billion was invested in residential property through SMSF vehicles, an increase of more than 10 per cent in the previous 12 months. What...

Members sharing their expertise

The MFAA has four active groups on LinkedIn for its members to join and participate in, sharing their expertise to help each other while building their own profiles. LinkedIn has been a powerful tool in the professional...

NSW LPI increases fees

The NSW Government's Land & Property Information (LPI) has proposed increases to products and services fees from 1 July 2014. Fees affected are for products and services involving land titles, property information, land valuations...

MFAA challenges APRA

The MFAA has informed APRA that the assertion made in the Draft Prudential Guide on Mortgage Lending that third-party initiated loans are riskier than those from other sources is incorrect. APRA has provided no evidence to...

Member benefit: free mobile website with upgrade

Many of the queries for the MFAA's free marketing advice for members relate to website help. If you have a website that needs a refresh, this may be the perfect offer for you! At...

Broker market share increase

According to research group East & Partners, equipment finance brokers have increased their market share in the past year from 35 to 38.7 per cent. SME businesses turning over $5-20 million are the heaviest users of brokers,...

APRA Draft Prudential Practice Guide released

Members will no doubt be aware of the draft Prudential Practice Guide released last week by APRA . While in general it seems to propose sensible prudential practices by ADI lenders, APRA is clearly wrong...

Mortgage & Finance Help brochures

The MFAA has revised the consumer brochures for members to distribute to their clients, which explain the MFAA's accreditation criteria on education, experience and ethics. The brochures help customers understand the value of an MFAA Approved credit...

Professional headshots from the Convention

At the Convention the MFAA offered members the chance to update their professional headshots for free. These headshots are now available to download here . If you didn’t get a chance to have your professional photograph...

Your first meeting with a customer

Last week’s consumer articles on the Mortgage & Finance Help website covered steps to buying an investment property, how a guarantor can help a borrower secure finance and what to expect from your first meeting with...

Congratulations to our Facebook competition winner

At the MFAA National Convention the MFAA held its first members' Facebook competition. Members who had their caricature drawn at the MFAA Expomart stand were asked to share it, using the hashtag #MFAAConvention . Congratulations...

Let us help you: free marketing advice for members

The MFAA is now offering extra support to members who may need a helping hand with their marketing. In addition to the consumer articles that are published weekly on a range of topics and distributed...

Convention photos, video and more

The MFAA 2014 National Convention and ExpoMart was held last week with more than 1000 attendees walking through the doors of the Gold Coast Convention and Exhibition centre. There was a range of speakers from all facets of...

APRA Draft Prudential Practice Guide includes ADI guidance on clawbacks

The Australian Prudential Regulation Authority (APRA) has released the draft Prudential Practice Guide 223 Residential Mortgage Lending for consultation. It provides guidance to ADIs on sound risk management practices for residential mortgage lending. The Guide...

ASIC calls for submissions on 'red tape' reduction

Published 14 May 2014 ASIC has issued its Report 391: ASIC's deregulatory initiatives which calls for submissions from businesses seeking to reduce their compliance burden while maintaining a net...

MFAA responds to Network Ten's 'loose loans' story

Published 14 May 2014 The MFAA has responded to the Channel Ten News story indicating that loan providers/brokers were offering loans to consumers at 120 per cent of the value of a property. The...

Tell new clients what you can do for them

Published 14 May 2014 Last week's consumer content on Mortgage & Finance Help covered what to look for at an open house and lenders mortgage insurance. In addition to that, the most...

Win a free seat to a PD Day in your state

Published 14 May 2014 To win a complimentary seat at a PD Day (excluding the convention), simply like the MFAA Facebook page and keep an eye out for the competitions we'll be running...

MFAA releases guidance on age discrimination in lending

Published 14 May 2014 As part of its compliance documentation library, the MFAA has recently provided guidance on issues relating to age discrimination in lending. Legislation prohibits discrimination based on age; however,...

The MFAA’s consumer website’s new name increases reachability!

Published 14 May 2014 The MFAA's Essentials of Borrowing site was renamed to ' Mortgage & Finance Help ' at the start of the week. The new name will make it easier for clients to...

Stay up-to-date with the MFAA Convention

Published 14 May 2014 The MFAA 2014 National Convention & ExpoMart kicked off on the Gold Coast this morning with hundreds of delegates and over 40 speakers. If you couldn't make it to the...

Marketing and technology tip: when to post on social media

What time you post on social media can greatly impact how many people see your content, so knowing when your audience is likely to be online and scheduling posts for then is one of the simplest ways to...

Industry leaders panel lunch added to Convention program

Kick off your Convention experience with the opportunity to network, enjoy a light lunch and hear about what women are doing to improve the mortgage and finance sector. Our panellists will discuss: What successful credit advisers...

ASIC issues Credit Licence training reminder

ASIC has issued a reminder notice that the transitional period for credit licensees to meet training requirements ends on 30 June 2014. On 1 July, existing credit licensees or their responsible managers will need to hold...

New Sessions Announced - MFAA 2014 National Convention

Published 16 April 2014 Two new sessions have been added to the program. The Art of the Comeback, the Mortgage Managers Panel Session with non-bank stalwart Troy Philips as facilitator this panel will be lively...

ASIC launches new small business survey

Published 16 April 2014 In its initiative to determine how well it engages with the small business community, ASIC seeks anonymous responses from small business holders about its services. Its Small...

Are you missing out?

Published 16 April 2014 Recently we have heard some members are not receiving select email notifications from the MFAA. In order to ensure you receive all necessary information, the MFAA is encouraging members to...

Government seeks response on proposed franchising code implementation

Published 16 April 2014 The government has released for public consultation an exposure draft of amendments to the Franchising Code of Conduct ('the Code') and relevant provisions in the Competition and Consumer Act...

ASIC implements simpler business registration and renewal

Published 16 April 2014 An ASIC business reforms update advises that a new, simplified process is now available to renew business registration online. To use the new service, locate your business renewal account number...

Financial System Inquiry publishes submissions

Published 16 April 2014 The government's Financial System Inquiry reports that the response to initial consultation has resulted in over 200 submissions which are being progressively published. The MFAA lodged a...

Mandatory privacy breach bill re-introduced to Senate

Published 16 April 2014 The Australia's Privacy Amendment (Privacy Alerts) Bill 2014 was re-introduced in the Senate on March 20th 2014 after lapsing in November last year. The bill, if...

ASIC issues infringement notices to payday lender

Published 16 April 2014 ASIC has issued three infringement notices to Paid International Ltd for making misleading claims in online advertisements. The lender's advertising reportedly stated that it offered 'instant decisions'...

Member benefit: save 30% on travel insurance

Every day, AIG assists travellers who lose their baggage, experience travel delays, miss transport connections or become sick while overseas. When these unexpected things happen, you need the confidence of AIG Australia's travel insurance, supported by 24-hour emergency...

MFAA updates privacy policy

On 6 March, the MFAA updated its Privacy Policy to advise members and others how it manages the personal information of members, in line with amendments to the Privacy Act 1988 that came into...

Dream of homeownership is realistic

According to a report released by Genworth in March, 71 per cent of First Home Buyers think the dream of owning your own home is realistic. This number is up from 63 per cent in September...

Government announces panel and terms of reference for competition review

The Federal Minister for Small Business has announced a chair and panel , as well as the final terms of reference , for the Government's 'root and branch' review of Australian competition law. The review is...

MFAA at Housing Affordability Roundtable

MFAA joined with REIA and other housing industry groups in a Housing Affordability Roundtable at Parliament House, Canberra on 26 March. The purpose of the roundtable was to jointly draw Government's attention to the ongoing problem of...

Federal Treasurer announces FSI panel members

Federal Treasurer Joe Hockey has announced the appointment of four international experts to an advisory panel to support the Financial System Inquiry. More details about the Inquiry are available on the Financial System Inquiry website...

New tools to build you business - for free

The MFAA marketing team is providing members with customer-focused articles and case studies each week, which can be shared with networks of clients and potential clients. The best way to find these articles is to follow...

ACCC issues Draft Determination to reauthorise MFAA Disciplinary Rules

The Australian Consumer and Competition Commission (ACCC) has issued a Draft Determination proposing to reauthorise the MFAA's Disciplinary Rules , which it previously authorised for a five-year period in 2009. These rules, with the MFAA Code...

Marketing and technology tip: the quick scroll

Published 5 March If you've found yourself reading through the content of an app on your phone and need to return to the top there's a quick and simple way to achieve this without scrolling...

Privacy - comply now or risk serious penalties

Published 5 March See the MFAA’s March 2014 guidance update to its Privacy Act Module; guidance on the definition of ‘access seeker’; and updates to lender and mortgage manager privacy consent forms. New...

ASIC's deputy chair to speak at the National Convention

Published 5 March We are pleased to announce that Peter Kell, ASIC's Deputy Chair will provide an update on the NCCP Act at the MFAA National Convention and what this means for broker compliance. Following...

Reminder: Privacy regime changes - are you ready?

Published 19/2/2014 Changes to the privacy regime from 12th March will impact upon loan writers and credit providers. Members should read this article about the changes and see the MFAA's guidance...

A change to corporate details may not change your ACL details

Published 19/02/2014 If you are a corporate credit licensee, please note. The MFAA has become aware that lodgement of ASIC's Form 484 Change to Company Details may not necessarily flow through to...

Cybercrime - are overseas scammers using your business details?

Published 19/02/2014 A current online scam which appears to emanate from overseas is using real Australian company or business numbers, branding and real credit licence details of Australian credit businesses. Some scam websites and...

Fair Work Commission amends Award - M&FB Online, 22 January 2014

The Banking, Finance and Insurance Award , which affects employees of broking businesses, has had a minor amendment. The latest version of the Award, effective from the first pay period after 1 January 2014, is available...

ExpoMart Early Bird discounts ending soon

To secure your stand at the industry's premier event and save up to 15%, bookings must be completed by 19 February. The ExpoMart will take place on the 14-16 May, Gold Coast, and offer businesses targeting credit...

Reminder - in case you missed it - privacy update (Positive Credit Reporting)

The MFAA has updated its guidance documentation for members as a result of amendments to the Privacy Act 1988 which come into effect on 12 March 2014 establishing a positive credit reporting regime in Australia. Updated template...

Disciplinary matters fall in 2013

The Chair of the MFAA Tribunal in his Annual Report to the MFAA Board has reported a drop in disciplinary matters during 2013. He commented: "The number of new formal matters was substantially lower than last year."...

ASIC credit adviser ‘audits’

The MFAA has produced guidance on how ASIC analysts might affect an 'audit' of a credit adviser's business . While ASIC does not provide an overview of its procedure on how it completes a review of...

Government launches Financial System Inquiry website

The federal government has launched a new website which is designed to provide updates on the Financial System Inquiry's work. The Inquiry has called for initial submissions. Its Terms of Reference are wide. ...

Warning: Scammers still out there - Caution urged when purchasing leads, databases or trail/commission books

Further to the many warnings issued by the MFAA, by aggregators and from articles in the trade media, members are still receiving unsolicited email approaches with offers of leads and 'databases' for sale. While most operators are principled...

MFAA updates broker Privacy documentation - M&FB Online, 22 January 2014

The MFAA is updating its privacy document templates for brokers, mortgage managers and lenders as a result of the Privacy Act's amendment in the Privacy Amendment (Enhancing Privacy Protection) Act 2012 which comes into effect on...

How can lenders make a loan when a credit adviser has found the deal unsuitable? - M&FB Online, 22 January 2014

We occasionally have queries from credit adviser members indicating that they carry out their preliminary assessments as required by NCCP which indicate to them the client is not appropriate for finance but the same client goes to a...

Role of Credit Advisers in AUSTRAC process - M&FB Online, 22 January 2014

Members are reminded that AUSTRAC can only accept Suspicious Matter Reports from Reporting Entities, e.g. lenders. Credit advisers can only lodge a suspicious matter either to a lender for onforwarding to AUSTRAC, by emailing the AUSTRAC...

MFAA disciplinary process review - M&FB Online, 22 January 2014

The MFAA Board has decided that the MFAA Disciplinary Process is due for review. While the process has been very effective, a review is timely. Members are invited to make any comments or suggestions...

Sponsorship and ExpoMart opportunities for the 2014 National Convention - M&FB Online, 22 January 2014

The MFAA National Convention unites the industry's most influential leaders, decision makers, innovators and experts to learn, connect, inspire and explore critical industry issues. As a supplier to the industry a presence at the convention either through...

Government establishes new Inquiry into affordable housing - M&FB Online, 22 January 2014

The federal government has referred an inquiry into Affordable Housing in Australia to the Senate Economics References Committee for inquiry and report. The inquiry's terms of reference include the impacts of federal and...

Marketing and technology tip: take a picture of your screen - M&FB Online, 8 January 2014

Have you ever thought yourself: "I really wish I could capture what's on my screen to save and share it?" Well you can. The quickest way to take a picture of what's on your screen is with...

ASIC announces business names reform update - M&FB Online, 8 January 2014

ASIC has announced a number of improvements to its business names online services. These include: simplified requests for business names access ASIC key amending its sender address (emails will always come from...

All four majors have now joined PEXA - M&FB Online, 8 January 2014

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Brokers record low complaints level with COSL - M&FB Online, 8 January 2014

The 2013 COSL Annual Report reveals some interesting, but not surprising, statistics about the incidence of consumer complaints about brokers. Only 337 complaints out of 3763 (9%) were about brokers' conduct which is very low considering...

Federal Government announces reforms to FOFA - M&FB Online, 8 January 2014

The Federal Government announced on 20 December 2013 that, consistent with its election commitment on reducing compliance costs for financial advisers and consumers who access financial advice, it would undertake a package of amendments to 'improve...

MFAA and sponsorship - M&FB Online, 18 December 2013

From time to time MFAA receives queries from members as to the role of sponsorship in the organisation and its impact on MFAA finances. Like most associations (whether trade, professional or sporting) MFAA receives sponsorship which assists...

ACCC issues guidance on business testimonials - M&FB Online, 18 December 2013

On 3 December, the Australian Competition and Consumer Commission (ACCC) has issued guidance for business operators, particularly relating to the emergence of business reviews and testimonials online. The ACCC has identified these as a compliance and...

Financial System Inquiry - M&FB Online, 18 December 2013

Last week MFAA CEO PhiI Naylor attended a Treasury Briefing on the upcoming Financial System Inquiry. The purpose was to elicit from industry groups their views as to the adequacy of the Terms of Reference. Treasury noted that...

Share your client's success - M&FB Online, 18 December 2013

MFAA member Financepath has found high engagement with the promotion of customer success stories to their online community. As a result, the MFAA is looking for other members to submit success stories for the Essentials of Borrowing Facebook...

AUSTRAC publishes latest money laundering case study report - M&FB online, 11 December 2013

AUSTRAC's latest case study report includes details on 23 recent money laundering schemes found by the agency's financial intelligence unit. The reported cases include often complex drug trafficking schemes, an $82m Ponzi scheme,...

Minister announces review of AML/CTF laws - M&FB online, 11 December 2013

The federal Minister for Justice, the Hon. Michael Keenan MP, has announced a review of Australia's anti-money laundering and counter-terrorism financing laws . Terms of reference for the review and an issues paper which outlines key...

NSW Land & Property publishes NECS training video - M&FB online, 11 December 2013

NSW Land & Property Information (LPI) has published an eight-minute training video to provide clarity on managing the initial stages of implementation of the Property Exchange Australia (PEXA) under the National Electronic Conveyancing System (NECS) in...

Keyboard hacks, Part II (Word) - M&FB Online, 4 Dec 2013

If you need to move from one word to the next, you don't need to reach for the mouse, nor do you need to hold down the arrow key, simply press 'Ctrl + either the left or right...

MFAA seeks reauthorisation of Disciplinary Rules - M&FB Online, 4 December 2013

The MFAA Disciplinary Rules, authorised by the Australian Competition and Consumer Commission (ACCC), is due for reauthorisation. The Rules form part of the MFAA's governance regime which requires members to comply with its Code of Practice and...

'Son of Wallis' Financial System Inquiry nearer - M&FB online, 27 November 2013

The Federal Government has issued draft terms of reference for its Financial System Inquiry , the first major inquiry into Australia's financial sector since 1997. Former CBA chief, David Murray, will lead the inquiry which, according...

MFAA 2014 National Convention sneak peek - M&FB online, 27 November 2013

We know you're looking for simple and practical ways to grow your business. So we have changed the format and content of the MFAA 2014 National Convention to feature more workshops and fewer lectures. Attending...

'Life-Changing Conversations' campaign wrap up - M&FB online, 20 November 2013

The MFAA's 'Life-Changing Conversations' campaign recently came to a close, with some great results for members. The campaign, which utilised a number of different online channels to increase awareness of MFAA members, saw the Essentials of Borrowing...

PPS transitional period ends 30 January 2014 - M&FB online, 20 November 2013

Published 20 November 2013 MFAA commercial and equipment members are encouraged to check that their clients are aware that the end of the transitional period for registration of an interest on the Personal Properties Securities...

OAIC publishes Community Attitudes to Privacy report - M&FB online, 20 November 2013

The Office of the Australian Information Commissioner has released its 2013 Community Attitudes to Privacy Survey report . The study of 1,000 Australians sought community views on, and awareness of, privacy issues which demonstrated heightened concern...

Networking tips from Robyn Henderson - M&FB online, 20 November 2013

Strategic network consultant Robyn Henderson spoke at one of our WIMBN events recently and provided some great insight into networking. Robyn suggested that before you attend any networking event you should ask yourself three questions: Why am I...

WA Landgate advises VOI Info sessions - M&FB ONLINE, 6 November 2013

A recent information bulletin from Western Australia's Landgate advises that due to land title fraud attempts, Landgate is facilitating information sessions on WA's new Verification of Information (VOI) requirements. Landgate will update attendees about the...

Reminder about website and social media testimonials - M&FB online, 30 October 2013

In April this year, the NSW Department of Fair Trading issued a warning to businesses to remove fake testimonials from websites and from associated social media or face potential heavy penalties. The inclusion of testimonials...

MFAA updates IDR guidance - M&FB online, 30 October 2013

The MFAA has updated two of three documents on guidance on internal dispute resolution procedures following an ASIC update of Regulatory Guide 165 Licensing: Internal and external dispute resolution. The updates relating to dealing with...

Marketing and technology tip: quick tips for driving Facebook engagement - M&FB online, 30 October 2013

There are a number of unspoken rules when using Facebook to drive engagement and build your brand awareness. Some of the simplest rules are: Post every day. People who like your page may not...

Exit fee ban post-implementation review - M&FB online, 24 October 2013

Treasury has contacted the MFAA seeking comments on the effectiveness of the exit fee ban. Members will recall that the MFAA ran a strong campaign in 2011 opposing the ban and will be making further submissions...

ASIC warns consumers about SMSF promotion through the NRAS - M&FB online, 24 October 2013

ASIC has issued a warning about misleading advertising in relation to promotion of Self-Managed Superannuation Fund residential property investment through the National Rental Affordability Scheme (NRAS). In ASIC's view, some advertising is misleading or not...

Notice of Annual General Meeting - M&FB online, 24 October 2013

Members are hereby notified that the Annual General Meeting of the Mortgage and Finance Association of Australia will be held at 5pm on Wednesday 20 November at the Radisson Blu Hotel Sydney, Sir James Fairfax Room,...

ASIC acts against GE Money over card limits - M&FB online, 24 October 2013

ASIC has initiated Federal Court proceedings against GE Money (GE) for allegedly making false or misleading representations. ASIC's notice states that the action centres on GE seeking customer consent to receive offers to apply for...

Marketing and technology tip: spelling mistakes could cost your business - M&FB online, 24 October 2013

According to a BBC online article, poor spelling is potentially costing online businesses millions of dollars in lost revenue. Misspellings tend to put off customers who might have concerns about a website's credibility. Charles Duncombe,...

Mark Whittingham banned as company director - M&FB online, 10 October 2013

Further to court action by Consumer Affairs Victoria (CAV) against Mark William Whittingham and Connection Blue Pty Ltd, CAV has announced that Melbourne Magistrates' Court has banned Whittingham as a company director until 2028....

Split contracts - M&FB online, 10 October 2013

Some members have raised questions about borrowing arrangements where 'split' contracts might be necessary. Valuers are unlikely to be able to provide separate land and building valuations on multi-unit dwellings in order to support a 'split' contract....

National eConveyancing draws close - M&FB online, 10 October 2013

The NSW Land Registry and the National Australia Bank have both recently joined Property Exchange Australia (PEXA), the electronic conveyancing platform developed by National E-Conveyancing Development Limited (NECDL). They join the Commonwealth Bank and Land...

Using colour to attract clients

If you're updating your website, office fit out or printed materials - it's worth knowing which colours will attract clients depending on your brand image. White : Pure. Clean. Youthful. It's a neutral color that can...

WA Government changes its FHOG rules

Following the WA state budget announcement on 8 August 2013, the WA First Home Owner Grant (FHOG) has changed from 25 September 2013. The changes will increase the WA grant for the purchase or construction of a...

ASIC seeks industry consultation on SMSF advice - M&FB online, 25 September 2013

Although this does not include credit advice, those who deal with SMSFs should be aware that ASIC is currently seeking industry consultation (CP216) about the standard of financial advice and information disclosure provided by AFS licensees...

Are you ready for your client's SMSF questions? - M&FB online, 25 September 2013

With demand for SMSF lending steadily increasing, the response to the MFAA SMSF lending program has been strong. This course gives you the knowledge you need to get involved in SMSF lending at an early stage in the...

Awards nominations close next week - M&FB online, 25 September 2013

The MFAA 2014 Excellence Awards are fast approaching and nominations are now open. They can be submitted through our MFAA Excellence Awards nomination site . Nominations close on 3 October 2013, so be sure to get...

Canadian Mortgage Forum on 24-26 November - M&FB online, 25 September 2013

MFAA members may find it interesting to see what is happening in the Canadian mortgage market. Each year, several MFAA members head over to the Canadian Mortgage Forum organised by MFAA's sister body in Canada, CAAMP....

Marketing and technology tip: keyboard shortcuts - M&FB online, 25 September 2013

Have you found yourself in a situation where you can't be bothered to reach for the mouse to perform an action on your computer? Well, you might not always have to. If you're running Windows on your...

Member benefit: 10% off BizzTools loan calculators - M&FB online, 25 September 2013

Attract potential customers to your website with your own set of loan calculators from BizzTools. MFAA members receive a 10% discount on normal prices. Visit the BizzTools member benefits page for more information and your ...

ASIC issues new guidance on reverse mortgages - M&FB online, 11 September 2013

New guidelines have been issued by ASIC (INFO SHEET 185) covering the regulator's expectations of how credit licensees will provide reverse mortgage equity projections to clients using its MoneySmart calculator . ASIC advises that...

Consumer Affairs Victoria acts against Mark Whittingham again - M&FB online, 14 August 2013

Further to a previous MFAA warning about Mark Whittingham , and a public warning recently issued by Consumer Affairs Victoria against Whittingham and Connection Blue Pty Ltd, CAV is now seeking final orders against Whittingham...

AML-CTF refresher program for MFAA members - M&FB online, 24 July 2013

As of 1 September 2013, all MFAA Credit Advisers™ and Associate Credit Advisers™ will be required to complete a short AML-CTF (Anti Money Laundering) refresher. There is no charge to the program that will be included as...

MFAA takes strong stance on attracting and retaining new blood - M&FB online, 17 July 2013

Faced with an ageing broker demographic, the mortgage broking industry needs an injection of new entrants to ensure its ongoing viability. While it's not a situation of critical urgency, a strategy needs to be developed that positions...

Don't forget your IDR - M&FB online, 17 July 2013

Have you looked at your complaints-handling procedure lately? Almost every organisation that sells goods or services will receive a complaint at some point. For example, the Australian telecommunications industry receives almost 200,000 complaints each year. The majority...

Top 10 Facebook tips for brokers - M&FB online, 11 July 2013

Facebook has been the go-to social media channel since its launch in 2004, but how many businesses are using it effectively? Depending on your target market, it could be an engaging place for your audience to connect with...

Government proposal to limit education expenses tax deductibility - M&FB online, 4 July 2013

Treasury has released a discussion paper following the Federal Government's announcement that it intends to limit the tax deductibility of education expenses to $2000pa from July 2014. The discussion paper is available here . In light...

MFAA announces changes to non loan writer memberships - M&FB online, 4 July 2013

In an effort to promote the benefits of MFAA membership for employees of existing MFAA members, the MFAA will be implementing the following changes to the individual non loan writer membership category: - the MFAA will waive the...

10 tips to improve Twitter engagement - M&FB online, 4 July 2013

Are you embracing digital communications and including social media in your marketing mix? Twitter provides an effective micro-blogging platform, allowing businesses to connect with their clients and prospects, but getting it right isn't always easy. Apply these top...

NCCP updates disclosure modules, 29 May 2013

The MFAA’s guidance documents on disclosures required by the NCCP Act have been updated. These are specifically available in the short version for brokers, the full disclosure module and the disclosure module for mortgage managers. MFAA...

Mobile apps: shaping the future of broking - M&FB ONLINE, 22 May 2013

Mobile apps are shaping the future of mortgage broking. They offer digital marketing solutions and new ways to interact with and engage consumers. Almost half of all companies have plans to introduce mobile apps over the next five...

Western Australian Registrar and Commissioner of title joint practice: verification of identity - M&FB online, 11 April 2013

Members, please be aware that it has been brought to the MFAA's attention by Landgate staff that Landgate may have been suggesting to property professionals that they accept an Australia Post receipt as evidence that a self-represented party...

Diploma/Fast Track update - M&FB online, 3 April 2013

Thanks to all members who have now successfully completed the Diploma/Fast Track requirements. This now sets a line in the sand in establishing that, as a minimum, MFAA Credit Advisers™ and MFAA Associate Credit Advisers™ have higher educational...

MFAA sets clear pathway to talent acquisition and awareness building - M&FB online, 3 April 2013

As part of the MFAA's plans for 2013, the association has developed key strategies and initiatives to attract and retain talent through it's professional development initiatives. Specifically, these initiatives have been developed to educate and raise awareness among...

MFAA responds to shoddy News Ltd stories - M&FB online, 27 March 2013

The Mortgage & Finance Association of Australia today responded to reports by News Ltd following the MFAA's termination of 1,100 broker members, who have failed to meet the educational standard (Diploma in Financial Services (Finance/Mortgage Broking Management or...

MFAA enforces Diploma requirement - M&FB online, 27 March 2013

As foreshadowed, the MFAA has cancelled the memberships of some 1100 members who have failed to satisfy the membership requirement of holding Diploma or Fast Track status, as notified by the MFAA Board in 2009. This is...

Government acts against unauthorised property spruikers and 'advisers' - M&FB online, 27 March 2013

The government has introduced legislation to prohibit the use of the words 'financial advice', 'financial adviser', 'financial planner', and the like, by those who do not hold an AFS Licence or an authorisation under an AFSL. The ability...

ASIC releases its review of licensed credit assistance providers' monitoring and supervision of credit representatives - M&FB online, 13 March 2013

On 13 March ASIC released its review of licensed credit assistance providers' monitoring and supervision of credit representatives. In its comments to the MFAA ASIC said: "Although we found that licensees implemented various monitoring and supervision processes...

MFAA 2013 National Convention keynote speaker: John Peters - M&FB online, 13 March 2013

"You will always make mistakes, you are human, but you realise that your power rests in the speed in which you learn." This premise has catapulted John Peters into one of the nation's most successful inspirational speakers, and...

MFAA reverse mortgage requirements - M&FB online, 6 March 2013

MFAA Reverse Mortgage Requirements (Note: Addition made to article, published 9th March 2013) To assist members in this area, the MFAA are providing further clarification on the reverse mortgage requirement in addition to...

Phase 2 small business lending deferred - M&FB online, 20 February 2013

Phase 2 small business lending deferred - a positive for equipment and commercial finance members. The Government has just announced that reforms to small business lending will be deferred. The MFAA is pleased to have been part...

MFAA welcomes CBA comments on rates - M&FB online, 20 February 2013

In light of the recent reported comments by the Commonwealth Bank of Australia regarding future interest rate movements, the MFAA has urged borrowers to utilise the services of a mortgage broker to negotiate their rates down. CEO...

ASIC comments on credit variations - M&FB Online, 9 January 2013

The MFAA has sought information from ASIC about credit variations to clarify when responsible lending obligations are triggered. Increases to a credit contract trigger responsible lending obligations, but if a borrower wishes to vary the terms of a...

ASIC advises: update your business name details online - M&FB online, 20 December 2012

ASIC has announced the launch of new online services for business names customers. You can now update details for a business name using ASIC Connect. ASIC advises that most transactions take only a few minutes...

Review of small business lending complaints - M&FB Online, 12 December 2012

The MFAA has made a submission on ASIC's Consultation Paper CP 190 that relates to a review of small business complaints. The submission is available here . ASIC sought comments on how small business borrowing complaints...

ASIC provides guidance about the use of 'Independent' in a business name and elsewhere, 2 December 2012

The MFAA has been advised that ASIC's view is that from 1 March 2013, a broker will not be able to use the term "independent", or "independently owned" or any other similar terms in their company names or business...

Warning: Buy a Trail Pty Ltd and Mark Whittingham - M&FB online, 31 October 2012

Consumer Affairs Victoria (CAV) has issued a public warning about the business practices of Buy a Trail Pty Ltd and its director Mr Mark Whittingham. The notice states that CAV has received information that Mr...

Members warned about scams impersonating ASIC and ATO - M&FB Online, 17 October 2012

ASIC has today warned the public against acting upon on an email claiming to be from 'Barbara DuFrene', the purported Chairman of ASIC and the Australian Taxation Office (ATO). The email, which claims that recipients are entitled to...

Complete RFi's survey to receive the 2012 Consumer Trends Report - M&FB Online, 17 October 2012

RFi is a leading financial services research firm that conducts ongoing research of the Australian mortgage market and are currently conducting a review of brokers' attitudes to lenders. RFi would greatly appreciate your opinion. In return for...

Finance approval letters: beware - M&FB Online, 17 October 2012

The MFAA has been made aware that some brokers are being requested to provide evidence of finance approval to real estate agents to satisfy 'subject to finance' clauses and that in some cases this is being provided by...

Update on Privacy Amendment Bill - M&FB online, 3 October 2012

The House of Representatives Standing Committee on Social Policy and Legal Affairs conducted an inquiry into the Privacy Amendment (Enhancing Privacy Protection) Bill 2012 (the Bill) and tabled its report in Parliament on Monday 17 September. The...

ASIC seeks input from small businesses - M&FB online, 3 October 2012

The Australian Securities and Investments Commission (ASIC) is committed to helping small businesses understand their legal obligations. Small businesses account for 96% of all registered businesses and collectively employ half the Australian workforce. As a result, small...

ASIC review of early termination fees - M&FB online, 19 September 2012

Return to enewsletter . On 18 September 2012, ASIC released report 300 titled 'Review of Early Termination Fees for Residential Loans entered into before 1 July 2011'. From 1 July 2011, early termination fees have been...

MFAA launches spring consumer awareness campaign - M&FB online, 19 September 2012

The MFAA has launched a multi-media, national campaign to direct consumer traffic to the Essentials of Borrowing website where consumers can search for a mortgage or business broker and pick up valuable lending tips. The...

Changes to First Home Owners Grant (FHOG) - M&FB online, 19 September 2012

Return to enewsletter . QLD: From Wednesday 12 September 2012, the new First Home Owner Construction Grant (FHOGC) replaced the current First Home Owner Grant Scheme. The new grant is for first home buyers who...

New APESB-led standard for accountants - M&FB online, 19 September 2012

Return to enewsletter . APES 230 (issued by the Accounting Professional and Ethical Standards Board) is a proposal to introduce a standard for accountants which will apply to members of any accounting body or accounting firms...

ASIC campaign on unlicensed credit providers - M&FB Online, 5 September 2012

Return to enewsletter . ASIC has put credit providers on notice as it launches a surveillance campaign to weed out unlicensed operators. ASIC will conduct a surveillance campaign between September and December this year designed...

Caution over contract loan writers - M&FB online, 5 September 2012

Return to enewsletter . The MFAA advises members to exercise caution when engaging contract loan writers. This follows the case study of Combined Insurance Company of America Ltd, which resulted in Federal Court action. In...

Clarity on low doc loans scandal - M&FB online, 22 August 2012

Return to enewsletter . Assertions that borrowers were coerced into low doc loans by lenders and brokers during the GFC is now the subject of a Senate inquiry. These claims were brought to light by complaints...

Use post nominals, include diploma qualifications - M&FB online, 22 August 2012

Return to enewsletter . The MFAA Board recommends that members who wish to promote their diploma qualification include a post nominal on their business cards, emails, social media and other correspondence. Historically, university qualifications have...

Caught in the Privacy Act - M&FB online, 8 August 2012

On 1 November 2010 the Office of the Privacy Commissioner was integrated into the Office of the Australian Information Commissioner (OAIC). MFAA members should review their own internal procedures in regard to privacy complaints and ensure that they...

MFAA urges caution on trail books - M&FB online, 25 July 2012

Return to enewsletter Members are advised to take extreme care if they are considering the purchase of a trail book. The MFAA is aware that so-called 'trail books' and 'databases' are being offered for...

Reminder of new 'Part A' program obligations - M&FB online, 11 July 2012

Return to enewsletter We have been notified by AUSTRAC of a newly released Information Circular No. 81: 'Reminder of New Obligations for Part A of Anti-Money Laundering and Counter-Terrorism Financing Programs' to assist reporting entities...

Does NCCP really instruct you to discriminate on age? - M&FB Online 27 June 2012

Return to enewsletter Various industry participants have voiced concerns in the press over what they believe are unintended consequences of the National Consumer Credit Protection Act 2009 (the NCCP). The MFAA is aware of...

MFAA Lobbying and Diploma funding - the background - M&FB Online, 27 June 2012

Return to enewsletter There has been some misunderstanding as to the background to the MFAA's recent announcement regarding Diploma funding. The MFAA has been discussing for some 18 months how it could access funding...

Government funding update, M&FB Online, 13 June 2012

MFAA have received a number of enquiries relating to the distribution of fundingunder the National Workforce Development Fund (NWDF). By way of background information, MFAA have been working with Innovation & Business Skills Australia (IBSA) and the Federal...

ASIC launches national Business Names Register - M&FB Online 13 June 2012

Last week, ASIC launched the new national, online Business Names register, which it will oversight. The new national register has replaced the existing eight state and territory registers, simplifying business names registration in Australia by offering a single...

Brokers claim significant market share - M&FB Online, 16 May

Return to enewsletter Mortgage brokers have a 42% share of the mortgage market in Australia, the first detailed quantitative study of the sector has revealed. Based on new home lending figures compiled by the...

Business registration gets easier: ASIC - M&FB Online, 16 May 2012

Return to enewsletter In a boost for MFAA members doing business across state borders, the Australian Securities and Investments Commission (ASIC) is launching a new national business names registration service. Commencing on 28 May, ASIC's...

MFAA launches new elearning platform - M&FB Online, 16 May 2012

Return to enewsletter The MFAA has launched new elearning courseware, featuring over 120 courses. The program contains a wealth of new and essential professional development programs, including sector-specific courses such as equipment and commercial finance....

MFAA calls for legislation slowdown - M&FB Online, 2 May 2012

In the wake of new NCCP amendments released last week, MFAA CEO Phil Naylor has repeated calls for the Federal Government to put a hold on future legislation and "let the dust settle" on what has already been...

Members who publicise their IDR procedures - M&FB Online, 2 May 2012

Recently, the MFAA Tribunal heard a matter involving a member who had engaged in misconduct by failing to provide a copy of its Internal Dispute Resolution (IDR) policy to a borrower on request and also for failing to...

Diploma Completion Certificates can be accepted until 30 June - M&FB Online, 2 May 2012

You still have until 30 June 2012 to complete your diploma and provide the MFAA with your certificate of completion. If you have more than five-years' experience , the 'fast track' option may be a more attractive...

Inquiry into the post-GFC banking sector - M&FB Online, 5 April 2012

Return to enewsletter On 14 March 2012, the Senate referred the following matter to the Senate Economics References Committee for inquiry and report: An examination of recent developments in the banking sector arising out...

ASIC on comparison rate advertisements - M&FB Online, 5 April 2012

Return to enewsletter ASIC has been monitoring advertisements of financial products and services and has identified a number of instances of non-compliance with aspects of the mandatory comparison rate regime set out in Part 10...

MFAA protecting members' interests - M&FB Online, 21 March 2012

Return to enewsletter Over the past few weeks, the MFAA has lodged the following submissions to the Federal Government aimed at protecting members' interests. Limited Recourse Borrowings by SMSFs The MFAA has...

Consumer advertising in Canberra & Mandurah - M&FB Online, 21 March 2012

Return to enewsletter The MFAA is continuing to extend its advertising efforts in raising consumer awareness of MFAA Approved Brokers with a regional advertising campaign in Mandurah, WA and an additional placement in The Canberra...

The MFAA Facebook promotion gets people talking - M&FB Online, 21 march 2012

Return to enewsletter The MFAA Facebook promotion reached 1.1 million people in first week. It seems the message - asking people what luxuries they're missing out on while saving for a home loan - is resonating....

2011 MFAA Convention wins Meeting & Events Industry Award - M&FB Online, 21 March 2012

Return to enewsletter Last week, the 2011 MFAA National Convention was declared the NSW State Winner in the Association or Government Meeting of the Year category at the Meeting & Events Australia (MEA) Awards 2012....

Diploma completion certificates can be accepted until 30 June 2012 - M&FB Online, 21 March 2012

Return to enewsletter Members have until 30 June 2012 to complete their diploma and provide us with a certificate of completion. If you have more than five years' experience, the 'Fast Track' option may be a...

Free webinars for members - M&FB Online, 21 March 2012

Return to enewsletter The MFAA's free online webinars are a great way to hone your knowledge and skill in a wide range of areas at a time and place that suits you. Plus, you receive...

ACL applicants must now provide bankruptcy checks instead of credit checks - M&FB Online, 21 March 2012

Return to enewsletter ASIC's Regulatory Guide RG204 - Applying for and varying a credit licence has been amended. The updated guide states that most licence applicants will need to provide copies of a national...

New MFAA Facebook campaign to drive consumer awareness of MFAA Approved Brokers - M&FB Online, 7 March 2012

Research shows that homebuyers are prepared to make sacrifices in order to save for a home deposit. The most common tactics seem to be going out less, taking lunch to work or taking cheaper holidays. In light...

There's still time! You have until 30 June to complete your diploma - M&FB Online, 7 March 2012

We have been hard at work raising awareness of the new requirement for members to hold a diploma which meets MFAA criteria. However, please do not panic, you still have until 30 June 2012 to complete your diploma...

How does your current qualification translate to the diploma? - M&FB Online, 7 March 2012

The MFAA understands that many of our members hold various qualifications (obtained from universities, colleges etc) that are different to our minimum education standard. We have adopted the Diploma Financial Services (Finance/Mortgage Broking) FNS50504 / Diploma in...

Attention ACL holders: new disclosure requirements from 1 April 2012 - M&FB Online, 7 March 2012

Return to 21 March enewsletter The NCCP Act specifies that an ACL holder must show its licence number in full on prescribed documents from 1 April 2012. This is an important requirement...

Identification legislation amendments for NSW - M&FB Online, 7 March 2012

For MFAA members who produce or use forms that contain a NSW statutory declaration, please take note of documents that require updating (see below). Obviously, if you receive a NSW statutory declaration that doesn't show the new format,...

The 'six biggest lenders' - M&FB Online, 7 March 2012

Some of you may recall that last year we suggested Treasury may amend the regulation concerning the naming of the panel of lenders. That hasn't happened yet for a variety of reasons, so, in the meantime, we...

Business names - changes to come - M&FB Online, 7 March 2012

A new national business name registration service is set to commence in the middle of this year and is to be administered by ASIC. For most of our members who use business names all this really means...

Member engagement survey: What the MFAA is going to do differently - M&FB Online, 22 February 2012

In October last year, the MFAA partnered with independent research agency Blue Orb to conduct a member engagement survey. Every member was given the opportunity to participate, and the demographics of the respondents were representative of all members....

SPAM warning - M&FB Online, 22 February 2012

The MFAA advises that a SPAM attack may be in effect against some brokers. Members advise that they have received emails from a 'Do Not Reply' address with subject line: Reminder: Your MFAA Membership has EXPIRED! or...

Attention ACL holders: new disclosure requirements start on 1 April - M&FB Online, 22 February 2012

The NCCP Act specifies that an ACL holder must show its licence number in full on prescribed documents from 1 April 2012. This is an important requirement because a breach can incur a substantial civil...

Diploma requirements for new mentored members - M&FB Online, 22 February 2012

New members with less than two years' broking experience will have up to 12 months from their date of joining the MFAA to complete the diploma requirement. However, such an individual must be mentored by an ...

How does your current qualification translate to the diploma? - M&FB Online, Wednesday, 8 February 2012

The MFAA understands that many of our members hold various qualifications (obtained from universities, colleges etc) which are different to our minimum education standard. We have adopted the Diploma Financial Services (Finance/Mortgage Broking) FNS50504 / Diploma in...

Government cautions small business on cyber crime - M&FB Online, 8 February 2012

The Federal Government has warned small businesses and consumers to protect themselves against cyber crime. The Government yesterday released a report from the Australian Institute of Criminology, which identifies the most common cyber threats facing small business...

New laws to improve business tax arrangements - M&FB Online, Wednesday 8 February 2012

The House of Representatives Economics Committee has recommended new tax laws aimed at improving business tax rules around capital gains tax, hire purchase arrangements, financial supplies and GST for new residential premises. Committee chair Julie Owens said...

MFAA's 'Approved Broker' campaign driving online broker searches- M&FB Online, 25 January 2012

The MFAA launched a revised version of the 'Approved Broker' advertising campaign in November last year, with the main aim of raising awareness of the advantages of using an MFAA-approved broker by homebuyers and those seeking business finance. ...

Diploma deadline approaches - M&FB Online, 25 January 2012

As the 30 June deadline draws closer, the MFAA will soon be contacting broker members who are yet to provide evidence of their completed diploma. Members holding MFAA AMC, AFC or CMC status, or ACA status where...

For members who employ staff: award update - M&FB Online, 25 January 2012

Members are reminded to ensure that, if they have employees, they are using the current version of the Banking, Finance and Insurance Award. A copy of the Award, last amended on 19 September 2011, can be found ...

Changes to Australian Consumer Law re Unconscionable Conduct - M&FB Online, 11 January 2012

On 1 January 2012, changes to the Australian Consumer Law (ACL) and the A SIC Act commenced. These changes introduced a statement of interpretative principles to assist courts when they apply the statutory prohibition of unconscionable conduct....

MFAA clarifies CPD hours for diploma and other qualifications - M&FB Online, 11 January 2012

Obtaining the Cert IV FNS40804 and FNS40811 is now worth 16 CPD hours Obtaining the FULL Diploma FNS50504 is now worth 26 CPD hours Obtaining the ...

ASIC and MFAA agree on director's permanent ban - M&FB Online, 11 January 2012

The MFAA is committed to expelling the rogues in the industry, so it is gratifying to note that ASIC sees things the same way. On 19 December last year, ASIC cancelled the credit licence of Melbourne-based Star...

Become more involved with the MFAA in 2012 - M&FB Online, 11 January 2012

The MFAA is inviting members to attend or participate in our state committee meetings. The dates and locations for each are listed below. MFAA State Committees The MFAA has a series of broker committees that...

Personal Property Security Register start date announced - M&FB Online, 14 December 2011

On 13 December, the Attorney-General's Department announced that the PPS regime will actually commence on 30 January 2012. Although we have anticipated an imminent start date for some time, there was no certainty that the date everyone was...

Clarifying the Credit Adviser requirements - M&FB Online, 14 December 2011

In recent days, some members have requested the MFAA explain what is required to transition to the new accreditation: 'MFAA Credit Adviser'. In order to hold the MFAA Credit Adviser accreditation a member must successfully complete: ...

Preferred vendors clarify diploma transition dates - M&FB Online, 30 November 2011

The MFAA's panel of preferred Registered Training Organisations has clarified when they each switched to the new version of the Diploma of Finance and Mortgage Broking Management FNS50311/FNS50310. The diploma (including the embedded case studies) is one of...

MFAA appoints two more preferred vendors - M&FB Online, 30 November 2011

The MFAA's panel of preferred education vendors has grown from six to eight with the addition of FARSTA and IFS. Finance & Related Services Training Academy (FARSTA) Chris Todman (07) 3368 2719 www.farsta.com.au Institute of...

Is your aggregator asking for a copy of your CPD record? - M&FB Online, 30 November 2011

Members with a Continuing Professional Development (CPD) requirement are reminded they can access the MFAA member portal at any time to print a PDF version of their current CPD record. To access your CPD record: ...

Brokers favoured by first-time homebuyers - M&FB Online, 17 November 2011

First-time homebuyers are increasingly showing a preference for using brokers, the Commonwealth Bank/Mortgage & Finance Association of Australia Home Finance Index for September has revealed. The index found first-time homebuyers' preferences for using brokers had increased to...

MFAA 2012 National Convention ticketing offer - M&FB Online, 17 November 2011

The future will unfold at the MFAA 2012 National Convention from 23-25 May at the Adelaide Convention Centre. The MFAA has announced a limited pre-release of tickets valued at $840 for MFAA loan writer members only. Tickets...

Mortgage & Finance Brief recognised at awards - M&FB Online, 17 November 2011

Mortgage & Finance Brief has been named runner up in the Re-launch of the Year category at this year's Publishers Australia Excellence Awards. The winners were announced at a gala dinner ceremony in Sydney's Doltone...

Celebrate Christmas with the MFAA - M&FB Online, 17 November 2011

You could be cuddling up to a panda, enjoying dinner on a cruise, or watching artwork in the making at this year's MFAA Christmas parties, depending on your location. Click on the links below to find out...

Reminder about certifying documents under AML/CTF - M&FB Online, 17 November 2011

As many of you would be aware, brokers have been able to certify documents for identification purposes under the Anti-Money Laundering and Counter-Terrorism Financing Act ( AML/CTF Act ) for some time. As a reminder: brokers...

Support for broker traineeships in Western Australia - M&FB Online, 17 November 2011

The MFAA is now supporting the Financial, Administrative and Professional Services Training Council of WA to establish traineeships for finance and mortgage brokers in WA. The Council is currently making a submission to the State Training Board...

Member benefits: discount accommodation through Departure Lounge - M&FB Online, 17 November 2011

Throughout November, Departure Lounge is offering MFAA members discounts of up to 54% when you stay at one of their spacious Peppers, Mantra or BreakFree properties. Click here to view the current special offers, booking...

Use an MFAA-approved broker in wake of greater competition - M&FB Online 2 November

The RBA's decision to cut the official interest rate to 4.5% - as well as three of the major banks passing it on in full - has set the stage for a more competitive mortgage market over the...

Changes to AML/CTF enrolment requirements - M&FB Online 2 November 2011

As of 1 November 2011, all businesses that provide a designated service under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 ( AML/CTF Act ) must enrol with AUSTRAC by 28 November 2011. Brokers are rarely...

MFAA member benefits: business card offer - M&FB Online 2 November 2011

For a limited time only, Your Brand Unleashed is offering MFAA members a package of 1000 business cards for only $125 including GST. The cards come in a full-colour front and black and white reverse style on matt...

MFAA appoints Corinna Dieters as independent director - M&FB Online 20 October 2011

The MFAA has appointed Corinna Dieters to take on the newly created independent director position on the National Board. Dieters, currently a Director of Seaview Consulting and Chair of the Financial Planning Standards Board, will take up...

Industrial Relations: Banking, Finance and Insurance Industry Award - M&FB Online 20 October 2011

Members are reminded that the Banking, Finance and Insurance Industry Award which came into force in January 2010, has coverage of employees in the mortgage and finance sector, including broker employees. The full coverage of the Award...

Change to requirement for display of licence details - M&FB Online 5 October 2011

Members have been asking us how they should display their licence number on documents under the NCCP. Previously, we suggested the "ACL" abbreviation would suffice, based on the fact that an equivalent use of the "AFSL" abbreviation...

What do the new financial services training qualifications mean for you? - M&FB Online 5 October 2011

Innovation and Business Skills Australia (IBSA) has released the FNS10 financial services training package, which changes the existing FNS04 Cert IV and FNS04 Diploma qualifications to the new FNS10 Cert IV in Finance and Mortgage Broking and FNS10...

NCCP amendments put focus on advertising standards - M&FB Online 5 October 2011

The MFAA says proposed amendments to the National Consumer Credit Protection Act 2009 should serve as a reminder to all brokers to ensure their advertising is within regulations. The Amendments were presented to Federal Parliament...

Trade prices available on Harvey Norman products - M&FB Online 5 October 2011

Harvey Norman Commercial Projects Division is offering MFAA members exclusive access to trade pricing* on its vast range of whitegoods, audio-visual equipment, kitchen and home appliances. These savings are significant when compared to retail prices,...

Brokers must be mindful of ASIC crackdowns: Naylor - M&FB Online 7 September 2011

The recent announcements from ASIC send a clear message - and warning - to brokers that the regulator will be taking on a much more active enforcement role, MFAA CEO Phil Naylor says. In recent weeks,...

ASIC enforces RG 220 exit fee rules - M&FB Online 7 September 2011

ASIC has indicated it will be closely monitoring exit fees on loans transacted before 1 July 2011 and act on any exit fees that exceed the reasonable costs of establishing the loan. The MFAA is aware that...

MFAA CEO reminds members about diploma requirements - M&FB Online 7 September 2011

MFAA CEO Phil Naylor has urged members to ensure that they complete their diploma on time to satisfy membership requirements. Members holding MFAA AMC, AFC or CMC status must provide evidence that they have completed a 'diploma meeting...

The MFAA supports ASIC's mortgage stress campaign - M&FB Online 7 September 2011

ASIC has approached the MFAA seeking our assistance in promoting its Mortgage Stress Education Campaign. The objectives of the campaign are to: assist consumers who experience mortgage stress; empower consumers so that they can take...

MFAA to monitor FoFA developments - M&FB Online 7 September 2011

MFAA CEO Phil Naylor says the association will monitor developments around the Future of Financial Advice (FoFA) legislation to endeavour to ensure the interests of brokers are protected. The Federal Government released the draft FoFA legislation last...

New broker underlines the importance of mentors - M&FB Online 7 September 2011

Industry newcomer Shayne Betreen has been a broker with Gain Financial Solutions for 12 months. Based in the Southern Highlands region of NSW, he covers an area from the state's south coast to Sydney's north shore. He shares...

Updates to MFAA compliance tools - M&FB Online 7 September 2011

Click here for the latest 'Legislation - summary of key provisions' document, and to access the new NCCP disclosure module for mortgage managers. The full version of the disclosure module has also changed, ...

MFAA board elects president-elect - M&FB Online 24 August 2011

The MFAA board has elected Steve Kane, currently MFAA vice president and chair of the MFAA National Brokers Committee, as president-elect. As per the MFAA constitution, he will serve as president-elect until he officially steps into the...

Bankwest chief economist Allan Langford on the property market - M&FB Online 24 August 2011

Bankwest chief economist Allan Langford will speak at the MFAA WA State Council Economic and Property Update next month. He previews some of the topics he will discuss. What do you plan to discuss? ...

ASIC raids suspected loan sharking operation - M&FB Online 24 August 2011

Government officials have raided two properties in Cairns as part of an investigation into an alleged loan shark operation at Yarrabah. Some residents of the town have allegedly been offered short-term loans at an annual interest...

ASIC warns businesses about misuse of its logo and name - M&FB Online 24 August 2011

ASIC has warned businesses not to use its name or logo when promoting their business or the fact that they hold a credit licence. The warning is targeted at all holders of an Australian credit licence, who...

Great Father's Day gift ideas - M&FB Online 24 August 2011

What type of dad is yours? Is he happier at home, does he prefer being behind the wheel, or does he spend his weekends fishing? Father's Day falls on Sunday 4 September, so why not surprise your...

The MFAA announces dates for state committee meetings - M&FB Online 10 August 2011

The MFAA is inviting members to attend or participate in our state committee meetings. The dates and locations for each are listed below. MFAA State Committees The MFAA has a series of broker committees which...

Disclosure documents deadline pushed back to October - M&FB Online 10 August 2011

Most of you will recall the requirement for non-ADI lenders to provide disclosure documents to clients was due to come into effect on 1 August, after a number of previous postponements. However, because the regulations weren't finalised...

Limited spots for Brisbane and Perth WIMBN roadshow events - M&FB Online 10 August 2011

After an overwhelming response, the Sydney, Adelaide and Melbourne legs of the upcoming WIMBN roashow featuring Wendy Higgins have sold out. However, spaces for the Perth and Brisbane events are still available. So, if you think you...

The MFAA diploma requirements updated with new criteria - M&FB Online 10 August 2011

Members holding MFAA AMC, AFC or CMC status, and ACA status with a Certificate IV qualification, are reminded that they are required to provide evidence of a completed 'Diploma meeting MFAA criteria' by 30 June 2012. This initiative,...

ASIC credit licence renewal guidance available online - M&FB Online 10 August 2011

If you are a licensee, ASIC requires you to lodge an annual compliance certificate and pay a fee for each year that you hold a credit licence. There are substantial criminal and civil penalties if you fail to...

Great Queensland holiday deals for MFAA members - M&FB Online 10 August 2011

Why not take advantage of the perfect Queensland weather at a luxurious Peppers or Mantra Resort? Members can save of up to 50% on accommodation. Click here to view the current special offers, booking details,...

Decision on NCCP disclosure documents expected soon - M&FB Online 27 July 2011

At the time of writing, Federal Treasury had not yet officially announced the required content for disclosure documents such as credit guides, credit quotes and credit proposals for brokers. However, the Executive Council is due to meet today,...

Be mindful of out-dated compliance documents - M&FB Online 27 July 2011

Members are urged to be mindful that any compliance documents they find on the MFAA website using the search function may not be the latest version. The MFAA keeps older versions of all documents on the...

Less than a year to go until the diploma deadline - M&FB Online 2011

Members holding MFAA AMC, AFC or CMC status, and those with ACA status who only hold Certificate IV qualification, are reminded that they are required to provide evidence of a completed 'Diploma meeting MFAA criteria' by 30 June 2012....

ASIC suspends broker's credit registration - M&FB Online 27 July 2011

ASIC has suspended the credit registration of Sydney finance broker Dark Blue Fire for failing to have an external dispute resolution scheme. Late last year, Dark Blue Fire, which is not a MFAA member, ceased to be...

The MFAA provides advice on the ATO's split loans stance - M&FB Online 27 July 2011

Members may have seen some articles in the media recently indicating the ATO may be cracking down on split loans after changes to the relevant laws. The MFAA's legal advice is that nothing is changing. The ATO considers...

The MFAA appoints Member Liaison for Queensland - M&FB Online 27 July 2011

The MFAA is pleased to announce the appointment of Kristina Spencer as Member Liaison for Queensland. Kristina brings a wealth of industry experience to this role, having previously worked for experience at Choice, Liberty Financial, Australian Financial...

Become a Virgin Blue Lounge member - M&FB Online 27 July 2011

Virgin Blue is pleased to offer MFAA members a 12-month membership to Virgin Blue Lounge for only $319 (plus a $49 joining fee). This is a first year saving of $200. Lounge membership entitles you to a...

Consumers value industry bodies: MFAA/Bankwest survey - M&FB Online 13 July 2011

Around 83% of respondents think it's important to find out if a mortgage broker is a member of an industry body before using them to arrange a loan, the latest Bankwest/MFAA Home Finance Index (HFI) has found. ...

NCCP: changes to handling of credit cards and home loans - M&FB Online 13 July 2011

On 5 July 2011, the National Consumer Credit Protection Amendment (Home Loans and Credit Cards) Bill passed in federal Parliament, which makes some changes to handling of credit cards and home loans. These are: ...

ASIC bans fraudulent broker - M&FB Online 13 July 2011

On 5 July 2011, ASIC permanently banned a Victorian finance broker, Kirsty Ann Lake of Kew East, from engaging in credit activities following a conviction for serious fraud offences. Lake, who is not an MFAA member, was...

NZ Mortgage Brokers Association's 2011 Annual Conference - M&FB Online 13 July 2011

Darren Pratley, the Chairman of the NZMBA, warmly extends an invitation to MFAA members who would like to join their New Zealand colleagues at the Annual NZMBA Conference, in Takapuna, Auckland on 4-5 August 2011. There is...

Need to revive your wardrobe? - M&FB Online 13 July 2011

Fletcher Jones can provide MFAA members with a wide range of business and casual clothing in classic or contemporary designs, keeping you up to date with current trends and the latest fashions. The company is pleased to...

M&FB Online 29 June 2011

MFAA continues push for greater lending competition ASIC warning for licensees Last chance to save $100 on Fast Track Disclosure documents update ASIC slaps...

M&FB Online 15 June 2011

MFAA exit fee campaign strikes a chord Have you started your diploma yet? Save $100 on Fast Track before 30 June 2011 Looking for ways to identify...

National Convention review - 9 June

MFAA appeals to Senate and Swan on exit fees Social media is vital, says Futures Panel 2011 Convention 'huge success' - Phil Naylor Caspar Berry on risk taking...

M&FB live from the National Convention - 3 June

Striving for success - John McGrath style 'Human lie detector' on how to spot deception Revealed: the five secrets of successful people Pirates spotted at Gala Dinn-aargh...

M&FB live from the National Convention - 2 June

Tomorrow's Broker needs to be lifelong adviser Phil Naylor identifies holy grail for brokers Banks must embrace technology - Brett King Day one closes in style ...

M&FB live from the National Convention - 1 June

2011 National Convention opens for business Opening day speaker preview What’s on at the MFAA stand Welcome Reception Phil Naylor interview ...

M&FB Online 25 May 2011

Visit the MFAA Convention Stand MFAA Stand program Win great social media prizes MFAA goes social Become tomorrow's...

M&FB Online 18 May 2011

Bringing the comedy to Convention Exit fees discussion NCCP disclosure regulations update New consumer brochure now available Tips to help you navigate MFAA...

M&FB Online 20 April 2011

Managing change Important: Deadline for MFAA members with AMC, AFC or CMC status Sydney broker enjoys Facebook success The power of influence Unsolicited sales...

M&FB Online 7 April 2011

MFAA calls for DEFs to be exempted from Swan reforms Broker fees - pros and cons 'Elder discrimination' clarification Hardship cases spiral due to natural disasters ...

M&FB Online 23 March 2011

Disclosure Documents Moratorium Updates to the MFAA Code of Practice and referrer exemption guidelines Big names set for controversial broker fee debate Your CPD questions answered ...

M&FB Online 9 March 2011

MFAA awards excellence Investor activity on the rise, especially among Gen Ys MFAA advice: credit policy and assessment by intermediaries MFAA National Convention speakers revealed ...

M&FB Online 24 February 2011

'Exit fee ban will stifle competition': MFAA Tell the Government you oppose its Banking Reforms MFAA seeks extension to NCCP disclosure deadline ASIC revises guidelines for dispute resolution...

M&FB Online 9 February 2011

NCCP does not mean "elder discrimination" - MFAA Want to save money and progress your career? MFAA on TV Special General Meeting ...

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M&FB Online 25 January 2011

Broker fee guidance Trading by NCCP registrants/licence applicants: clarification MFAA supporting the Queensland flood appeal Vote now for Lender of the Year ...

M&FB Online 12 January 2011

COSL warns of flood hardship Rental history considered part of genuine savings Advance Notice: MFAA Special General Meeting • 10 February 2011 MFAA’s preferred...

M&FB Online 16 December 2010

Exit fee ban fails to tackle competition issues - MFAA Victory for MFAA as January deadline extended ASIC urges brokers to submit licence applications Hardship cases rack...

M&FB Online 1 December 2010

MUST READ: MFAA makes Senate inquiry submission Customer fury at rate rises Strong job growth predicted for mortgage broking MUST READ: MFAA ExpoMart Open for Bookings ...

M&FB Online 17 November 2010

MUST READ: Non-banks eyeing bigger slice of market MFAA urges adoption of Canadian borrowing model MUST READ: ASIC Ruling on Exit Fees and DEFs a victory for common sense and...

M&FB Online: 3rd November 2010

MUST READ: RBA increases cash rate by 25 basis points Senate inquiry into competition in banking sector Growth in house prices slows MUST READ: ...

M&FB Online: 5th October 2010

ASIC updates Nominations closing for 2011 MFAA Excellence Awards on 15 October NSW Commercial Lending Breakfast - 13 October 2010 Canadian Mortgage Forum 2010 ...

M&FB Online: 21st September 2010

Legal & Compliance updates Latest Bankwest/MFAA Index results 2010 MFAA elections New webcast now online: 'Fraud, the NCCP & You' Canadian Mortgage Forum 2010 ...

M&FB Online: 7th September 2010

NCCP updates MFAA State Council elections Canadian Mortgage Forum 2010 Member benefits: Intrepid Travel discount New...

M&FB Online: 20th August 2010

Legal & Compliance: Update to 'Quick Guide' Section Online New Webcasts Section Online MFAA Consumer Campaign: Update WIMBN Roadshow ...

M&FB Online: 8th July 2010

Legal & Compliance: NCCP Toolkit and more... MFAA Consumer Campaign: Update Canadian Mortgage Forum 2010 - November 21-23, Montreal, Canada ...

M&FB Online: 23rd June 2010

What's news this fortnight? Quick Guide: Unsuitable loan assessment guidance NCCP Regime for Trustees and other Special Purpose Vehicles MFAA and...

M&FB Online: 8th June 2010

What's new this fortnight? MFAA in the Media MFAA Legal & Compliance Update MFAA 2010 Consumer Campaign - How to use your kit...

M&FB Online: 28th May 2010

Melbourne MFAA National Convention Outstanding Success Treasury acknowledges MFAA argument on licence fees Statement re Conflicts of Interest MFAA Approved...

M&FB Online: 11th May 2010

What's new this fortnight? NCCP Conflict of interest and Lender requirements ASIC Decides on IDR processes for micro sized businesses National Business Names Registration ...

M&FB Online: 27th April 2010

ASIC Regulatory Guides - Find out what you need to know to comply Gadens Lawyers have provided the following summaries to help you make sense of your obligations under the NCCP Act: RG206...

M&FB Online: 24 March 2010

What you need to know this fortnight Regulation Updates ACL Criminal History Check - Federal Police Appointment of Credit Representatives under the NCCP...

M&FB Online: 2 March 2010

Conflicts of interest – MFAA submission to ASIC WEBINAR : MFAA National Regulation & Strategic Review Roadshow How to get registered under NCCP ACT...

M&FB Online: 20 January 2010

Professional Credit Adviser ™ Update Make Your Mark- Tell Us Who's Your Top Lender Webinar- Appointment to Application - Winning the Sales Process ...

MFAA Economic Review: December 2009

MFAA Economic Review: December 2009

M&FB Online: 15 December 2009

Professional Credit Adviser™ and Diploma MFAA Excellence Awards Reminder Webinar: Appointment to Application - Winning the Sales Process ExpoMart Open...

M&FB Online: 4 December 2009

MFAA Strategic Review ASIC Credit Reform Update Draft Regulations for Member Comment Broker Fees- MFAA's Position ...

MFAA Economic Review: November 2009

MFAA Economic Review: November 2009

M&FB Online: 11 November 2009

Notice of Annual General Meeting National Consumer Credit protection Act passed! Webinar – 'Economy, Interest Rates. What Next!’ MFAA Elections voting closes Friday 2010 MFAA Excellence...

M&FB Online: 20 October 2009

Free webinar - 29 October 2009 MFAA Elections Cert IV: Last chance! Member Benefits Free...

MFAA Economic Review - Sept 2009

MFAA Economic Review - Sept 2009

M&FB Online: 15 September 2009

MFAA Enforces Cert IV Requirement MFAA State Councils Elections - 25 Sept Updated Comparison Rate Practice Module Proposed Reform of Personal Bankruptcy Laws Commercial Litigation and Dispute Resolution...

M&FB Online: 25 August 2009

Timetable changes to National Consumer Credit Protection Reform Package National Consumer Credit Regulation MFAA Strategic Review – Member Survey Recently expelled...

MFAA Economic Review - August 2009

MFAA Economic Review - August 2009

M&FB Online: 4 August 2009

MFAA focuses on professionalism Proposed National Consumer Credit Protection Bill update Joe Sirianni - MFAA President-elect US Mortgage Bankers Association Convention...

MFAA Economic Review July 2009

MFAA Economic Review July 2009

M&FB Online 15 July 2009

MFAA strategic review National Consumer Credit Protection Bill Promote you - promote your MFAA membership First Home Owners Boost -...

M&FB Online: 30 June 2009

National Consumer Credit Protection Bill introduced into Federal Parliament MFAA – bringing better service to you Helping small businesses to stay on top of tax debt...

M&FB Online: 17 June 2009

New FBC requirements Victorian credit providers- what you need to know Get online and build your network today Share in...

M&FB Online: 14 May 2009

What’s affecting your business? MFAA Committees discuss the issues Westpac responds to industry roundtable Calling all finance brokers – your committee needs you ...

MFAA Economic Review April 2009

MFAA Economic Review April 2009

M&FB Online: 21 April 2009

Articles in this issue: Regulation Update Business communications: Free tools for brokers on PropertyTV Education: Earn CPD points online for free ...

M&FB Online: 7 April 2009

Friday’s MFAA Board meeting key issues WA Member Forum – a success The early days in WA Business communications: to email or not to email, that is the question ...

M&FB Online: 24 March 2009

In this issue: (click on the titles below to read the full story) Aggregators Certificate IV Compliant– congratulations Pay 50% now and 50% later, including Early Bird prices! Lessons...

MFAA Economic Review March 2009

MFAA Economic Review March 2009

M&FB Online: 10 March 2009

In this Issue: And the Award winners are… MFAA Member Mystery Shopping ASIC enforcement of low doc loans ...

M&FB Online: 24 February 2009

In this issue: Previously sold out and NEW education opportunities Expressions of interest for the Accredited Mentor Program Special Offer: MFAA Business HealthCheck for...

MFAA Economic Review February 2009

MFAA Economic Review February 2009

M&FB Online: 10 February 2009

How you can put your business on the road to success Warning to Members: Lead Generation Scams ...

M&FB Online: 13 January 2009

Hello, welcome back and happy New Year! I hope you had a good rest and an enjoyable break after what was a challenging year for everyone. After receiving feedback from members via surveys and direct contact, I...

MFAA Economic Review December 2008

MFAA Economic Review December 2008

MFAA Economic Review November 2008

MFAA Economic Review November 2008

M&FB Online: 25 November 2008

MFAA Annual Report now available online MFAA State Election Results Skill up during Christmas slowdown Revisit your business and marketing plans Getting the good ones (part 1) -...

M&FB Online: 28 October 2008

Notice of the Annual General Meeting MFAA IT systems are back on track Excellence Awards nominations closing soon Vote for Your State...

MFAA Economic Review October 2008

MFAA Economic Review October 2008

MFAA Economic Review September 2008

MFAA Economic Review September 2008

M&FB Online: 14th October 2008

Have your say on the Government's reform of Consumer Credit MFAA Education Online - more than you think MFAA/GOLDSEAL Broker Manual ...

M&FB Online: 26 August 2008

MFAA appears before Inquiry into Competition in the Banking and Non-bank sectors National Regulation Update 2008 MFAA Elections Celebrating Your...

MFAA Economic Review August 2008

MFAA Economic Review August 2008

M&FB Online: 12 August 2008

MFAA News Participate in something beyond just an event Talking business on QANTAS Shaping your industry MFAA Tracker...

MFAA Economic Review July 2008

MFAA Economic Review July 2008: View the latest industry statistics

M&FB Online 8 July 2008

Transparency of relationship and looking after the consumer MFAA Update - Fees charged by Brokers Update: RPE for Certificate IV Financial Services (Finance and Mortgage Broking) ...

M&FB Online: 10 June 2008

Special General Meeting Reminder RPL Green paper submission MFAA State Committees Survey Winners are Grinners! COSL Hardship guidelines WA Code of Conduct Inquiry...

MFAA Economic Review May 2008

MFAA Economic Review May 2008: View the latest industry statistics

M&FB Online: 28 May 2008

Highlights from the MFAA National Convention Cert IV course completion now mandatory MFAA Discount on Cert IV course Notification of Change to Licence Details MFAA...

M&FB Online: 13 May 2008

New MFAA Convention Format Pays Off Productivity Commission Final Report Recommends Federal Credit Regulation (including brokers) Productivity Commission Recommendation re ADR (EDR) schemes ...

M&FB Online: 30 April 2008

Channel Conflict Key finding- brokers go beyond the call Qld Operators new maximum interest rate Bill More strings added to the UCCC bow MFAA...

MFAA Economic Review April 2008

MFAA Economic Review April 2008: View the latest industry statistics

M&FB Online: 9 April 2008

The future of your industry Exclusive insights from BT's Chris Caton It's not all doom and gloom for brokers ...

M&FB Online: 25 March 2008

Broking legislation to go federal? New Franchising Code manual from ACCC ASIC Inquiry on entry and exit fees MFAA challenges JP Morgan/Fujitsu report ...

MFAA Update: Economic Review March 2008

MFAA Update: Economic Review March 2008 - Industry Statistics

MFAA Update: Industry News 5 March 2008

And the winner is… Don't run the RISQ Interest Minimisation Strategies Guidelines MFAA Member Benefits Offering: Exclusive Car Insurance ...

MFAA Update: Economic Review February 2008

MFAA Update: Economic Review February 2008 - industry statistics

MFAA Update: Industry News 12 February 2008

MFAA 2008 Excellence Award Finalists Announced MFAA National Finance Broking Regulation Seminar WA Members: Employee or Independent Contractor? Asset Backed Commercial Paper Market MFAA Member...

MFAA Update: Industry News 29 January 2008

Productivity Commission report on National Regulation and EDR schemes National Finance Broker Regulation seminars MFAA AML/CTF course Mortgage & Finance Brief February 2008 Introducing new...

MFAA Update: Industry News 16 January 2008

National Finance Broking Regulation - Submission discussion group Maximum Remuneration Review WA Update: Employee or Contractor? MFAA 2008 Excellence Awards ...

MFAA Update: Economic Review December 2007

MFAA Update: Economic Review December 2007 - industry statistics

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