Laura Moya Ramirez

Authorised Credit Representative name and Credit Representative number

Laura Beatriz Moya Ramirez (Australia Credit Representative 487589)

Organisation/Trading Name: LM Mobile Mortgage Services Pty Ltd T/A Laura Moya Local Mortgage Broker (ABN 28 611 683 179).


PO Box 224

Chirnside Park, VIC, 3116

Mobile: 0404-226-546

Email Address: [email protected]

Australian Credit Licence name and number: 389087

Australian Finance Group Ltd (Australian Credit Licence 389087) (Licensee)

Australian Company Number of ACL holder ACN 066385822


If you have a complaint about the service that we provide, the following steps or avenues for resolution are available to you.

Step 1

Most complaints arise from miscommunication and can usually be fixed quickly. So, please contact Laura Moya Ramirez first and express your concerns. You can request a written response at this time, even if the complaint is resolved in the first 5 working days.

Step 2

If the issue is not satisfactorily resolved within 5 working days by talking with Laura Moya Ramirez, we will apply our internal complaints process to manage your complaint appropriately. In this instance, the complaint will be internally escalated to our Complaints Officer. You may also contact the Complaints Officer directly.

Complaints Officer


Complaints Manager


08 9420 7888


[email protected]


100 Havelock St, West Perth, WA 6005

Note: In some instances we may also be fulfilling the role of the Complaints Officer. This will not affect the capacity to have your complaint dealt with appropriately.

By using our internal complaints process we hope to assist you to resolve your complaint quickly and fairly. The maximum timeframe in which to provide a written response to you is 30 days, although in pursuit of best practice and the reputation of our organisation, we aim to resolve these issues in a much shorter time frame.

Step 3

Although we try hard to resolve a client’s concern in the most considerate and direct manner, if you are not completely satisfied after the above steps have been attempted, you still have other avenues available to resolve the dispute. This is then managed externally and independently.

The Australian Securities and Investments Commission external dispute resolution (EDR) process is available to you, at no cost at the contact details below.

EDR (Licensee)

Name: Australian Financial Complaints Authority

Phone: 1800 931 678


Australian Financial Complaints Authority

GPO Box 3

Melbourne VIC 3001

Please note the information on this website does not provide tax, legal or accounting advice.

Any information contained in this website is of a general nature only and does not take into account the objectives, financial situation or need of any particular person and is not intended to provide, and should not be relied on for, tax, legal or accounting advice.

Therefore, before making any decision, you should consider the information with regard to those matters and consult your own tax, legal and accounting advisors before engaging in or considering the appropriateness of any transaction.

No responsibility will be taken on if you failed to verify the general information found on this website was right for your personal circumstances.

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