Pleased to be here. I'm Murray Carter and live/work in Christchurch, New Zealand. I'm responsible for marketing for an non bank lender. 70% of our business comes from brokers and 30% direct.
The highlight for me personally in 2007 was getting a fatwa for an Ijara islamic home loan package; the first financial product in New Zealand to get a fatwa.
Trends at the moment are a significant tightening of criteria by our insurers.
Ummmm thats about it for the moment.....
Cheers Murray
murray@globalhomeloans.co.nz 
