Diploma of Finance & Mortgage Broking Management
Certificate IV in Financial Services ( Finance/Mortgage Broking)
Certified Member of MFAA
Michael has sixteen years’ experience in the banking and mortgage brokering industry, specifically in the areas of residential, commercial and SMSF lending.
The past 4 years Michael, together with James, started Investment & Financial Partners Finance with the intention on assisting business owners, corporate executives and individuals on helping them with refinance and reduction of existing loans.
Having worked with a leading Bank in Perth, Michael has extensive experience in helping investors, professionals, small businesses, companies, first home buyers, seniors and overseas clients to be more informed with the banking products available in the market, enabling them to make an educated decision as to what product and services would suit them.
Short Term Funding for Businesses
Senior’s Equity Loan
Plan Australia Excellence in Finance Platinum Award 2017
Plan Australia Excellence in Finance Platinum Award 2016
Plan Australia Excellence in Finance Gold Award 2015
Michael Chau is a credit Representative ( Credit Representative Number 452532) of BLSSA Pty Ltd ACN: 11651760 (Australian Credit License No. 391237)
Graduate Diploma in Applied Finance and Investments
Certificate IV in Finance and Mortgage Broking
Member of MFAA
Henry has 10 years industry experience in banking, lending and financial services industry.
After 7 years with Commonwealth Bank in Perth WA as a mobile banker/ lender, Henry joined Investment & Financial Partners Finance as a mortgage adviser / broker, specialising mainly in residential and investment home loans.
He has an extensive industry knowledge and lending experience that allows him to filter through and find the most suitable home loan and complementary banking products and services for clients whom are sourcing finance for the purpose of either purchasing their own home, upgrading to a larger family home, downsizing for retirement, refinancing for a better rate/ home loan, debt consolidating into one easy repayment and or investing into property for rental income.
He provides a complete service that includes mortgage broking, home loan management and mortgage related advisory services for all clients throughout the life of their home loan. His emphasis on providing a comprehensive ongoing review enables him to advise all clients with the latest banking and home loan solutions available, thus empowering them to make smart educated financial decisions for themselves.
Residential Home Loan
Investment Home Loans
Loan Reduction Strategies
Budgeting Advisory Service
Henry Tran is a credit Representative ( Credit Representative Number 511442) of BLSSA Pty Ltd ACN: 11651760 (Australian Credit License No. 391237)
These are our current Terms and Conditions of Use and they replace any others that have appeared previously on any of our websites. We may at any time vary or modify these Terms and Conditions of Use by publishing the changed version on our website. By accessing our website, you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
Any calculators or information provided on this website is provided for your convenience only and does not constitute either credit or financial advice. Information on this website has been prepared without consideration of your personal financial position and should be viewed as generic information only. If you require advice regarding your specific situation, you should contact The Perth Mortgage Specialist directly.
Our websites may contain links to other websites operated by third parties. We do not endorse or approve of the operators of the third party websites, or the information, graphics and material featured on third party websites. To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on the third party websites.
Our websites are provided for use by Australian residents only, and the products described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our website outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside Australia will not be accepted from anyone who is not an existing customer.
The information contained in this website has been prepared in accordance with the laws applicable to the Commonwealth of Australia. The site may not comply with the laws of any other country.
Unless we tell you otherwise, any software you download from a third party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
While we have tried hard to make sure there are no mistakes in any of the information on our website, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it. Further, all information is subject to change without notice or that the information is suitable for your intended use.
We recommend that you seek independent advice before acting upon any of the information on our websites.
We do not guarantee that this website is free from viruses, or that access to our sites will be uninterrupted.
You acknowledge and agree that your use of this website is at your own risk. You must ensure that that the process that you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defense or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our website or any modification, suspension or discontinuance of our website – whether in contract, tort including negligence, statute or otherwise.
Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:
The material on our websites is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro-copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.
You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trade marks owned by us (or our licensors). You must not use any of our trade marks in any way without our prior written consent.
All strategies and information provided on this website are general advice only which does not take into consideration any of your personal circumstances. Please arrange an appointment to seek personal financial, legal, credit and/or taxation advice prior to acting on this information.
Respecting your privacy
This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.
What personal information do we collect and hold?
The types of information that we collect and hold about you could include:
ID information such as your name, postal or email address, telephone numbers, and date of birth;
other contact details such as social media handles;
financial details such as your tax file number; and other information we think is necessary.
When the law authorises or requires us to collect information
We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.
What do we collect via your website activity?
If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you.
If you start but don’t submit an on-line application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed.
We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum.
To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.
How do we collect your personal information?
How we collect and hold your information
Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.
How we collect your information from other sources
Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
What if you don’t want to provide us with your personal information?
If you don’t provide your information to us, it may not be possible:
How we collect and hold your credit information
We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are:
What do we do when we get information we didn’t ask for?
Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it.
When will we notify you that we have received your information?
When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint.
Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
How do we take care of your personal information?
We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are:
We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.
What happens when we no longer need your information?
We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.
How we use your personal information
What are the main reasons we collect, hold and use your information?
Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:
Can we use your information for marketing our products and services?
We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you. We will always let you know that you can opt out from receiving marketing offers.
With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation.
Yes, You Can Opt-Out
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
What are the other ways we use your information?
We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:
Who do we share your personal information with?
To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information. Sharing Your Information
We may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and referees
We may share your information with:
Sharing with third parties
We may share your information with third parties in relation to services we provide to you. Those third parties may include:
Sharing outside of Australia
We are not likely to disclose your information to organisations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.
How do you access your personal information?
How you can generally access your information
We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first.
We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:
How do you correct your personal information?
How we correct your information
Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:
If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can – if we can’t, then we’ll let you know in writing.
What additional things do we have to do to correct your credit information?
If you ask us to correct credit information, we will help you with this in the following way.
Helping you manage corrections
Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake.
Where we correct information
If we’re able to correct the information, we’ll let you know within five business days of deciding to do this. We’ll also let the relevant third parties know as well as any others you tell us about. If there are any instances where we can’t do this, then we’ll let you know in writing.
Where we can’t correct information
If we’re unable to correct your information, we’ll explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner.
Time frame for correcting information
If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you.
If we can’t make corrections within a 30 day time frame or the agreed time frame, we must:
How do you make a complaint?
How do you generally make a complaint?
If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.
You can contact us by using the details below
Address: E1, 118 Railway St, West Perth WA 6005
Mob: 0455 899 889
Fax: 08 6189 8887
Email address: firstname.lastname@example.org Website: www.ifpgroup.com.au/finance
We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.
Need more help?
If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:
Phone: 1300 363 992
Fax: +61 2 9284 9666
Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601