Our Memberships

MFAA Membership


The MFAA is the peak body for Australia's residential and commercial mortgage industry. Established in 1982, the MFAA works closely with the financial services sector, the Federal Government, and all State Governments, to set the direction and standard for Australia's mortgage industry.

The MFAA seeks to provide infrastructure and back-up support to assist industry participants in achieving their common goals. 

In so doing, the MFAA seeks to raise the industry profile, foster high standards, and ethical growth and development of the industry. The MFAA is also the backstop for borrower concerns, with all MFAA members belonging to an independent dispute resolution scheme or service, such as the Credit Ombudsman Service Limited.

All members are bound by a strict code of ethics to ensure the highest levels of service, integrity and professionalism.


As the peak industry body, the mission of the MFAA is to ensure the orderly and ethical working of the mortgage industry in Australia.

Key Objectives

  • To be the recognised authority in Australia on all aspects of the mortgage industry.
  • To maintain quality standards within the industry.
  • To offer training for members and their staff.
  • To support the development & range of mortgage products available to the public.
  • To embrace best practice customer services.
  • To develop the mortgage industry in Australia.
  • To elevate the role of mortgage intermediaries to a Profession.

AFCA Membership


AFCA considers complaints that previously would have been handled by the Financial Ombudsman Service, the Credit and Investments Ombudsman and the Superannuation Complaints Tribunal. 

We are the dispute resolution scheme for financial services.

We consider complaints about:

  • Credit, Finance and Loans
  • Insurance
  • Banking Deposits and Payments
  • Investments and Financial Advice
  • Superannuation


What we do

Our role is to assist consumers and small businesses to reach agreements with financial firms about how to resolve their complaints. 

We are impartial and independent. 

We do not act for either party to advocate their position. 

If a complaint does not resolve between the parties, we will decide an appropriate outcome.

Decisions we make can be binding on the financial firm involved in a complaint. 

We can award compensation for losses suffered because of a financial firm’s error or inappropriate conduct. 

There are other remedies we can also provide for superannuation complaints. 

We do not, however, award compensation to punish financial firms or impose fines.

AFCA is not a government department or agency, and we are not a regulator of the financial services industry. 

We are a not-for-profit company, limited by guarantee that is governed by a Board of Directors, which includes equal numbers of industry and consumer representatives. 

AFCA’s Chief Ombudsman is responsible for the management of the organisation.

Vow Financial


Why Use A Vow Financial Mortgage Broker?

As the Home Loan market becomes increasingly complex, more people are turning to mortgage brokers. 

The quickest way to understand the lending and property market conditions and the most appropriate loan for you is through talking to a mortgage broker. 

Mortgage Brokers can save time

The choices now available in the Mortgage market can seem limitless and completely overwhelming. 

You can choose to research the subject, the lenders and their products yourself, or work with a mortgage broker who already has that knowledge.

Mortgage Brokers give you choice

All mortgage brokers have a panel of lenders from which they recommend a loan. 

They have to become accredited with the lender to offer their product, and are required to keep up-to-date with their latest offers.

Mortgage Brokers can help find the right loan

The best deal is not necessarily the cheapest rate.


A good mortgage broker will examine your circumstances and future plans to recommend a loan that is right for you.

Mortgage Brokers take the fuss out of setting up a mortgage

There are a number of processes once deciding to apply for a home loan. 

Mortgage brokers deal with the loan at every stage of the process making contact with real estate agents, solicitors and lenders. 

You don’t have to worry about anything!

Mortgage Brokers can help you avoid pitfalls

A mortgage broker will navigate through the penalties, fees and charges to help you avoid taking out a loan you might regret later.