Andy provided incredible assistance to us in finding the most competitive home loan rates for the purchase of a block of land & the re-financing of our existing mortgage.  The whole process was very complicated due to a number of factors with the settlement date of the land and very time consuming on Andy's part. Furthermore, my husband was overseas during the most crucial part of the process which complicated matters even more so as the loan was in both our names.  Andy made calls to my husband overseas and arranged for signatures for documents via fax.  Andy arranged for a courier to personally deliver the documents to the bank's city branch as previous documents sent by post had been misplaced by the bank and we were so restricted for time.  Furthermore, I worked late hours and Andy made a number of visits to our home way after business hours so the documents could be completed.  He did all the time consuming parts of the process such as filling out what seemed liked a million forms.  He would thoroughly go through the information with us & explain anything we didn't understand before getting us to do the easy part – sign the documents.  He is also very knowledgeable of all financial institutions who deal in home loans & provided us with the best possible option for our needs.  He is very punctual, well informed & organised and made a very complicated & time consuming process a complete breeze for us.  We are very grateful for all his assistance and know that we couldn't have done this without him.  We have no hesitation in recommending his outstanding services to any prospective home loan customers.