About Us

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Centra Finance is 100% Australian owned, and was formed in 2003 and to establish its own mortgage program in conjunction with First Rock Mortgage Centre. In doing so, our aim is to have total control over the operation and management of our loans portfolio in order to provide the best home loan products to you. We are proud to assist Australians to obtain finance for loans all over our country.

Our Mission is to provide affordable, competitively priced interest rate finance to all Australians, and to enable you to fulfill your dreams of home ownership sooner. We are totally committed to helping more Australians get a better deal on their home loan. 

OUR MISSION FOR HOME OWNERS IS:

OUR MISSION FOR INVESTORS IS:

OUR MISSION FOR SENIORS IS:

OUR MISSION FOR BUSINESS OWNERS IS:

 

 

Reviews

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TESTAMONIALS

What some of our customers have had to say

I first wrote a testimonial several years ago in which I paid tribute to Paul and Centra Finance in obtaining the finance for our first investment property.

Since that time I have completed the purchase on our 8th investment property (in 2003) and recently obtained a LOC [line of credit] for investment in managed funds, and the credit for all of that must go to Ms Jasmine Kourouche.

The Bank staff involved were continually under-resourced and consistently proved their inexperience, lack of training and general apathy. Thanks to Jasmine's hard work, expertise and diligence, we achieved the necessary finance, mostly at a fixed rate at 5.95% pa, and without the need to cross-collateral to other properties. That last item is an absolute bonus. Jasmine is a genius. I suspect she has been responsible for creating more property millionaires than Peter Costello.

Best wishes Tony, Sydney

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I want to let you know that my conveyancer went to the Diamond Hill settlement on Friday last and I am now the proud owner of a new townhouse in Qld with your help.

I would like to thank you for all your hard work there, especially towards the end when settlement neared. I believe that you went above and beyond the call of duty - and what makes it even more important is that I didn't ask you to, you initiated it, which is a really good way to run your business - I hope that you get lots and lots of inquiries and clients, because I believe with your attitude and service you'll win lots and lots of business!!

I'll catch up with you soon.

Thanks again and regards,

Warren

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You might think that someone with a portfolio of around 50 properties would have no need of assistance from Centra. Not so – it is always preferable to use a good-quality broker when setting up a new mortgage, or doing a re-mortgage, to sort through all the possible alternatives.

It was all the more important in my own case because, although an Australian, I had never applied for a mortgage facility in Australia before. Although the general procedures are much the same in both UK and Australia, the actual detail is quite different. I was fortunate in getting guidance from Peach. Your staff were enormously patient, and really went out of her way. The number of e-mails we generated over several months was legion, but the application itself, thanks to all the prior work, was immediately successful.

Now for the next one!

Dr Paul
 

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I discussed my lending requirements with Garry initially and discussed options with him at some length over numerous telephone calls both within and outside office hours. He was very knowledgeable, helpful and at the same time straightforward. The resulting loan structure was a little more complex than usual - maximising the scope for me to claim taxation deductions in subsequent years - but by no means hugely complicated.

For no fault of mine - or Centra - my loan became immensely difficult for the lender. The number of times the lender got things wrong was truly astonishing. Throughout this, Jasmine my application manager was calm and wonderfully helpful and empathetic as well(!), often spending huge amounts of her time sorting things out with the lender. I am truly grateful to her, and expect we could well have lost our deposit on the new purchase without her help.

I have no hesitation in recommending your services to others. I already have!

Alan, Brisbane.

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I just want to say a big thank you for the awesome service I have received from you. Your preparation and follow up throughout have been top class.

You’ve made this easy for us, thanks again.

BTW, I have already recommended you and Centra to two other people, I hope they call you!

Charlotte, Sydney

 

 

Legal

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CENTRA FINANCE recognizes the importance of protecting you and your client's privacy. We are committed to ensuring the continued integrity and security of the personal information you entrust to us.

OUR COMMITMENT TO PROTECT YOUR PRIVACY
Centra Finance seeks to provide the best possible service to its customers by providing the best possible range of financial products and services.

We understand how important it is to protect your client's personal information. This document sets out our privacy policy commitment in respect of personal information that you may provide to us.

Our Privacy Policy ensures your right to privacy as we recognize that any personal information we may collect about you will only be used for the purposes indicated in our policy. It is important to us that you are confident that any personal information we collect from you or is received by us, will be treated with appropriate respect ensuring protection of you and/or your clients personal information.

Our commitment in respect of personal information is to abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

WHO IS CENTRA FINANCE?
Centra Finance is an organization that offers financial products and services within the mortgage industry. We process and assess information in respect of loan applications.

PERSONAL INFORMATION
When we refer to personal information we mean information from which you and/or your clients identity is apparent. This information may include information or an opinion about you and/or your client, from which your identity can reasonably be ascertained.

WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect and receive personal information from our customers or from other business referrers and partners in order to conduct our business, including assessing and obtaining approval for loans.

To enable us to maintain a successful business relationship with you, we may disclose your personal information with other organizations that provide products or services used or marketed by us. The types of organizations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and solicitors. We may also disclose your personal information to any other organization that may have or is considering having an interest in your loan, or in our business.

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
Where reasonable and practical we will collect your personal information only directly from you. Sometimes we may obtain your information from credit reporting agency, a third party acting on your behalf (such as a loan originator, broker or financial adviser) or public records such as those relating to land titles and companies.

TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?
Where possible, we will inform you, at or before the time of collecting your personal information, the types of organizations that we intend to disclose your personal information to.
Prior to disclosing any of your personal information to another organization, we will take all reasonable steps to satisfy ourselves that:

1. the organization has a commitment to protecting your personal information at least equal to our commitment; and

2. you have consented to us doing so.

Sometimes we are required or authorized by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court or Tribunal in response to a request or in response to a subpoena or to the Australian Taxation Office.

UPDATING YOUR PERSONAL INFORMATION
It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.

ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your personal information we hold about you. You may request access to any of the personal information we hold about you at any time.

To access personal information that we hold about you either contact our Customer Relations Department by phone (02) 4385 5515, fax (02) 4385 5516. We may charge a fee for our costs in retrieving and supplying the information to you.

DENIED ACCESS TO PERSONAL INFORMATION
There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious. An explanation will be provided to you, if we deny you access to your personal information we hold.

HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
We will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.

We will also take reasonable steps to protect any personal information from misuse, loss and unauthorized access, modification or disclosure.

CHANGE IN OUR PRIVACY POLICY
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practice. As a consequence we may change this privacy policy from time to time or as the need arises.

This privacy policy last updated January 2007

 

Sitemap

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Support

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Submit this inquiry and we'll be in contact within  48 hours.

 

 

Commissions

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We earn commissions on the loans we settle for you.

The amount we earn differs for each loan and each loan product and lender. Our commissions are paid by the lender and range from 0.45% of the loan amount to 0.6% of the loan amount.

In some instances we may charge you an upfront brokerage fee for loans that have exceptional circumstances or are technically difficult. You will be advised of any charge to you prior to us proceeding with any loan. If brokerage fees are applicable, all applicants must sign an engagement authorisation prior to the loan proceeding.

Generally however, no brokerage fees are payable.

 

 

 

Contact Us

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Mail us:	Level 1 167 Willoughby Road Terrigal, NSW 2260 Australia
Call us :	02 4385 5515 0414 922 864
Fax us :	02 4385 5516
For Referrals :	More info...
E-mail:	info@centrafinance.com.au