I am Anita Cheung, a registered financial adviser and the director of AA Mortgage Services Limited. I established AA Mortgage Services Limited in May of 2007. I have about 21 years' mortgage experience in the local market. I started a banking career at Countrywide Bank in 1995 and I led the Asian banking business at ANZ Bank until May of 2007 when I left the bank to pursue my own financial advice business. I specialise in residential and commercial lending for owner-occupied property, investment property, new construction and purchase of business. I am committed to building a mutually trustful relationship with clients, representing the clients to negotiate with lenders for maximum benefit of the clients.