Experience Counts
Complex Matters Made Simple
Background
Symmetry Finance Solutions Pty Ltd (SFS) is an advice-based boutique Mortgage broking business.
The business holds a full Australian Credit Licence (ACL 390736), is a member of the industry peak body the MFAA (Mortgage and Finance Association of Australia) and is also a member of the AFCA (Australian Financial Complaints Authority).
Symmetry Finance Solutions is part of the FAST Aggregation Group of mortgage brokers, through which we have access to 35 residential lenders and 15 commercial lenders.
Our Promise
- Provide a quality, personalised service to all clients that exceeds expectations
- Provide the necessary advice and education (as required) to enable the client to make informed and well considered decisions
- Provide a quality and level of service that a client will want to refer
- Be professional and focused on the client’s best interests in all that we do
- Refer clients to other quality professionals as and when required
- Provide prompt, clear and consistent communication
Lenders and their Credit Policies
We do the research to shortlist lenders that meet your needs. We arrange loans across the full spectrum of lenders from major banks, to second their banks, non-bank lenders and specialist lenders.
With our experience we have the required knowledge around ‘credit policy’ across lenders to find suitable solutions. We also have the capacity to negotiate policy exceptions, which can be so important in many cases.
Compliance Matters
Australian Credit Licence
In 2010 national legislation was passed requiring all Mortgage Brokers to either apply for their own Australian Credit Licence (ACL) or to operate as an Authorised Credit Representative under another company’s licence. ASIC are the regulator, who oversees strict adherence to compliance guidelines. In December 2010 Symmetry Finance Solutions (SFS) was granted an ACL.
MFAA and AFCA
We are full members of the Mortgage and Finance Association of Australia and abide by their Code of Ethics. We are also affiliated with AFCA – it is an independent and impartial complaint resolution body. Should we not be able to resolve an issue with you directly, you may wish to contact AFCA. You can do so by calling them on 1800 931 678 (free call) or at www.afca.org.au.
National Consumer Credit Protection Act
SFS complies carefully with the guidelines set, in particular we:
- Meet and exceed the NCCP’s (and MFAA’s) minimum standards for ongoing industry professional development required to be undertaken each year.
- Maintain the recommended level of Professional Indemnity Insurance
- Conduct a ‘Client Needs Analysis’ and ‘Preliminary Assessment’ to fully understand and assess a client’s situation, objectives and ability to manage the level of lending required, before recommending any specific lender options.
- Provide a written ‘Credit Proposal Disclosure Document’ to the client detailing key elements of a loan facility recommended including rates, fees, repayment levels etc, and disclosing clearly the commissions paid to SFS by the proposed lender before proceeding to finance application.
Privacy Statement
See our privacy statemen policy here:- https://symmetryfinance.com.au/privacy-policy
A Personal Approach
Director and Principal Adviser David Starkey has been providing property finance advice since 2000 and has developed a strong reputation for his honest and straight forward approach, his personal ethics, and his genuine passion for helping his clients secure the most appropriate funding backed by sound strategy.
David is experienced dealing with everything from a basic home loan through to the most complex loan structures involving multiple entities and multiple properties. His breadth of knowledge across multiple lenders/policies and the related industry contacts cannot be understated.
David had an extensive corporate career prior to broking working in various senior management roles with A C Nielsen for 13 years (5 of those in Dublin) and 2 years with Roy Morgan Research.
David holds a Diploma in Finance and Mortgage Broking Management and a B A from USYD.
“I was looking to start a relatively large investment property project and was unsure how to begin to understand my finance options and borrowing capacity. David was recommended as a specialist in investment property financing and in my experience lived up to that recommendation. David has the ability to communicate in an ‘easy to understand’ manner and helped structure our finance to commence the project. Specialist investment property financing knowledge is a non-negotiable when dealing with multiple banks, options and complexity. I thoroughly enjoyed working with David and would not hesitate to recommend him and his knowledge in this specialised area.”
Philip II have been with Symmetry Finance Solutions and under the guidance of David since 2011 when I purchased my first investment property. Symmetry has always had the experience and market knowledge to enable me to prepare for, secure and maintain the most suitable loans for my needs with the most competitive rates. With a growing portfolio, honesty, trust and a realistic approach are important qualities I require. David is always a phone call or email away and willing to assist with all my mortgage questions. He is my recommendation to my family, friends and colleagues and I look forward to my next investment venture with Symmetry, which we have already started planning for.
Jason LDavid was recommended to me through a friend who has worked with him for many years. David provided an incredible service to me, as a novice in the game, and led me through the complexities of mortgages and home ownership. David’s advice was spot on and he was invaluable in helping me gain knowledge and make the right decisions for my circumstance. I felt like David walked beside me through the process and I would recommend his friendly and expert services to anyone.
Henrietta F