About us
About Your Mortgage Broker Croydon Hills
Your Mortgage Broker Croydon Hills is a mortgage broking business serving Croydon Hills and the surrounding Maroondah suburbs. This page explains who runs it, how it is licensed, how it earns its income, and what you can expect when you deal with us.
Why We Started a Broking Business in Croydon Hills
Too many borrowers discover, only after signing a thirty-year commitment, that nobody told them who they were dealing with, how that person was paid, or what recourse they had. We built this business to be the opposite.
Who You Actually Deal With
An anonymous brand tells you nothing about the individual handling your loan, so we publish the person instead. Here is exactly who fronts this business, what they hold and how you reach them:
The Broker on File
Your loan is handled by Your Mortgage Broker Croydon Hills from the first call through to settlement, and that arrangement sits here in print. The business is a credit representative, number 370592, under Australian Credit Licence 389328, published in the footer.
Local Case Experience
First homes, refinances, investment purchases and self-employed applications across Maroondah give Your Mortgage Broker Croydon Hills familiarity with the lenders, the policies and the valuation quirks that shape outcomes for borrowers in this patch of Melbourne's outer east, and none of it theoretical.
No Call Centre Handoffs
Nothing gets handed off to a junior or a call centre: the person who maps your options on day one is the same person who lodges the file, answers the lender's questions and follows it right through to settlement day.
How We Get Paid, in Plain English
Two questions people search constantly but rarely get answered honestly: is a broker worth paying, and what is the catch? Without hedging, in nearly every standard residential case:
Upfront commission
Trail commission
Your pricing is unaffected
When a fee applies
Now the part most broking sites skip: commission rates differ slightly between lenders, so we earn a little more from some recommendations than others. That is a genuine conflict of interest, and we would rather name it than pretend it away. On every loan we tell you which lenders we considered, what we would be paid, and why the recommended option suits your situation.
So is a broker worth it? The honest trade-off is breadth. A panel gives far more choice than any single bank, including credit policies that might approve you where your own bank would decline, but no panel covers every lender in Australia. If your situation sits outside our panel, we will say so plainly. For most borrowers, competing credit policies, assessed and lodged at no direct cost, are a trade worth making.
Our Licence and Accreditations
Trust in finance starts with verifiable numbers, not adjectives, so here are the licence details, the representative status, the association membership and the dispute scheme, all stated outright:
The Australian Credit Licence
Broking in Australia operates under the National Consumer Credit Protection Act, and Your Mortgage Broker Croydon Hills trades under Australian Credit Licence 389328, held by [LICENSEE NAME], so every arrangement we make is covered by a licence number you can independently verify online.
Credit Representative Status
Your Mortgage Broker Croydon Hills is a credit representative, number 370592, authorised under that licence, which means an external licensee reviews our conduct, our advertising and our files, adding a layer of professional supervision that a serious standalone operator simply does not carry.
Professional Standards Here
At Your Mortgage Broker Croydon Hills, the same accountable broker handles your file from first call to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer, and our process and fees are disclosed in writing.
AFCA Dispute Access
If a dispute ever arises and cannot be resolved directly, Your Mortgage Broker Croydon Hills is a member of the Australian Financial Complaints Authority, an independent and free external dispute resolution service available to you, and our membership details appear in full immediately below.
How We Work With You
Knowing who we are and how we are paid is only useful if the process that follows is clear as well, so here is what working with us actually looks like from the first conversation through to settlement.
Areas We Service
Our home base is Croydon Hills, and we regularly work with borrowers in Wonga Park, Croydon North, Croydon, Ringwood, Warranwood and Warrandyte South. If you live anywhere across the City of Maroondah, you are inside our service area.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Croydon Hills?
Your Mortgage Broker Croydon Hills is operated by Your Mortgage Broker Croydon Hills, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], with name, qualifications and association membership published on this page.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME]. That authorisation covers arranging home loans, and you can verify it independently.
How do you get paid if I don't pay a fee?
The lender pays us. An upfront commission is paid when your loan settles, and a smaller trail commission continues while the loan runs. Neither comes out of your pocket or changes the rate offered.
Do you get paid more for recommending certain lenders?
Sometimes, yes. Commission varies a little between lenders, and denying it would be dishonest. We manage that conflict by putting the reasoning behind every recommendation in writing, including which lenders we considered.
What happens if I have a complaint?
Raise it with us first and we will work to fix it quickly. If unresolved, you can take it to the Australian Financial Complaints Authority, a free, independent external dispute service we belong to.
How many lenders can you actually access?
A panel of lenders spanning major banks, non-bank lenders and specialist providers. No panel covers every lender in the market, which is a genuine limitation, and we will tell you when yours needs someone outside it.
Mortgage broker for Croydon Hills and the suburbs around it
Get in Touch
If you are buying, refinancing or weighing your options, call (03) 9122 8522 and Your Mortgage Broker Croydon Hills will take the call personally, explain where you stand and outline the next step, usually the same business day, with no obligation.