PFS is an experienced mortgage broking company whose directors have combined industry experience of over 80 years. PFS is licensed by ASIC to engage in credit activities under the National Consumer Credit Protection Act 2009.

PFS is a member of the Credit Ombudsman Service Limited (COSL) external dispute resolution scheme and a full member of the Finance Brokers Association of Australia (FBAA).

All brokers engaged by PFS are either directors of the company or authorised Credit Representatives under ASIC regulations.

Borrowers have differing reasons for wanting to refinance. The most obvious reason is to pay less interest. Other reasons include:

• Lower rates
• Extra funds for renovations, etc.
• Consolidate debts such as credit cards, Personal Loans etc.
• Lower monthly repayments
• Switch to fixed interest rate loan to protect against future rate rises

This depends on a number of variables such as income, other commitments, dependents, etc. Once you have entered your information into our Pre-Qualifying online application page you will be advised if the loan requested fits the lender's guidelines. If it does not meet the criteria we will advise you of the maximum loan which might be available to you.