Beware, if you receive a cold call from this company (Paramount finance and Investment Services) offering a free financial consultation. If you agree to the "free" financial consultation they send a high pressure salesperson to sell you a "financial plan" for $400.00. If you agree to the purchasing the "plan" they will come back to you saying that the "plan" suggests you should buy an investment property in QLD (which they charge about 40k+ above the real market value). They are just scammers, basically the only two things they do are sell overpriced investment property and re-finance people (for which they charge 8k for but they dont divulge the fee upfront). Steer clear of this company, they have burn many many people. I've heard a rumor that a lawyer they burnt is putting together a class action against them pro bono.