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BFCSA
MORTGAGE
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BFCSA investigates fraud involving lenders, spruikers and financial planners worldwide.  Full Doc, Low Doc, No Doc loans, Lines of Credit and Buffer loans appear to be normal profit making financial products, however, these loans are set to implode within seven years.  For the past two decades, Ms Brailey, President of BFCSA (Inc), has been a tireless campaigner, championing the cause of older and low income people around the Globe who have fallen victim to banking and finance scams.  She has found that people of all ages are being targeted by Bankers offering faulty lending products. BFCSA warn that anyone who has signed up for one of these financial products, is in grave danger of losing their home.

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BFCSA Blog

Led by award-winning consumer advocate Denise Brailey, BFCSA (Inc) are a group of people who are concerned about the appalling growth of Loan Fraud around the world. BFCSA (Inc) is a not for profit organisation in the spirit of global community concern and justice.

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Bank revenues go up as dollar loses ground Banking and FinanceBusiness Date October 2, 2014 http://www.smh.com.au/business/banking-and-finance/bank-revenues-go-up-as-dollar-loses-ground-20141001-10osre.html The  fall in the dollar has delivered Australia's big four banks up to $10 billion in cash in just two weeks, as hedging contracts put in place over their massive offshore funding programs come into the money.  Australian banks' offshore borrowings are hedged for the term of those bonds. As the dollar slipped to just below US87¢ on Wednesday, counter-parties to the banks' hedging contracts – mostly the large, global investment banks – have been forced to deposit cash with the Australian banks under collateral agreements. Sensitivity analysis conducted by veteran banking analyst Brian Johnson, from CLSA, shows that every 1¢ fall in the AUD/USD exchange rate generates $1 billion of "collateral cash-backs" for Commonwealth Bank of Australia and Westpac Banking Corp, and $500 million for ANZ Banking Group and National Australia Bank.  This means...
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https://www.commbroker.com.au/Net/Documentum/accreditation/mortgagebrokerCoC-280909.pdf   Mortgage Broker Code of Conduct   We are committed to the highest standards of ethical behaviour at all times.  The Commonwealth Bank’s Code of Conduct clarifies the standards of behaviour that are expected of our accredited mortgage brokers in the performance of their duties. It gives guidance in areas where mortgage brokers need to make personal and ethical decisions.   1. I will always act in a consistent, honest and ethical manner, using fair and reasonable judgement in my actions. I will ensure that customers are fully aware of all interest rates and fees applicable to their loan. 2. I will always obtain a good understanding of the customer’s financial position, sufficient for me to be comfortable that products I recommend meet their financial needs and situation. 3. I will always discuss with my customers the importance of protecting themselves, their income and their assets.   4. I will...
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