About us
About Your Mortgage Broker Kew East
About Your Mortgage Broker Kew East covers who we are, how we earn our income and what protects you, because a broker asking for your financial details should explain their own position first, in writing, before you commit to anything.
Why We Started a Broking Business in Kew East
Borrowers here were doing everything right and still hitting closed doors: strong incomes declined over unexplained policy quirks, hours lost to branches, and no honest way to compare. We started this business to close that gap.
Who You Actually Deal With
Most broking websites describe a team you will never meet; this one names the person, sets out what they hold on paper and the Kew East files they handle, and every claim below is checkable before you hand over a payslip:
The Broker on File
Your broker is Your Mortgage Broker Kew East, and every conversation about your loan happens directly with that one person, from our first call through to settlement, with fees disclosed in writing and our 370592 and 389328 published in the footer.
Local Lending Experience
Loan files from this pocket of Boroondara carry a familiar shape, a substantial mortgage against strong household income, an upgrade within the family home market, or equity being released for renovation, and that pattern shapes which lenders we approach first.
No Handoff, Ever
There is no call centre between you and the person assessing your file, no handing your details to a junior, and no waiting days for an update, because the broker you meet is the broker who lodges your loan personally.
How We Get Paid, in Plain English
Here is the question most brokers answer vaguely, so we will answer it precisely: how does a broker who never charges you anything stay in business? Commission from lenders, and it works like this:
Upfront commission
Trail commission
No fee for standard home loans
A written fee where one applies
Commission amounts vary a little between lenders, and that is a genuine conflict of interest. We would rather name it than deny it, so every recommendation comes with written reasoning: which lenders were considered and why the suggested one came out ahead.
Is it worth using a broker at all? A panel of lenders, however wide, is not every lender in the market, while a single bank branch sees only its own policy. You trade full market coverage for expert matching across a wide slice of it, a trade most borrowers would sensibly make.
Our Licence and Accreditations
Licences and memberships are checkable facts, not marketing language, so this section states the numbers rather than describing them, and invites you to verify each identifier publicly before your first conversation. The four headings cover licence status, representative registration, association membership and dispute resolution:
Credit Licence Status
Broking is credit assistance under the National Consumer Credit Protection Act, and Your Mortgage Broker Kew East operates as an authorised credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], which means the licence obligations sit above everything on this site.
Credit Representative Status
Our credit representative number is 370592, recorded publicly so you can verify the authorisation yourself before sharing any document, and that registration links every loan we arrange back to a licensed licensee with genuine accountability standing squarely behind it.
How We Work
You deal with the same accountable broker from first call to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer, and fees are disclosed in writing before you commit to anything.
AFCA Membership
Your Mortgage Broker Kew East holds membership of the Australian Financial Complaints Authority, the external dispute resolution body every credit provider and broker must belong to, giving you a completely free, independent avenue of complaint that operates outside our walls, should anything go wrong.
How We Work With You
Everything above describes who we are and how we earn; in practice the sequence is a free strategy call, a written shortlist of options, a lodged application with updates at every stage, and an annual check-in after settlement.
Where we work
Areas We Service
Your Mortgage Broker Kew East works across Kew East and the surrounding north-eastern suburbs of Melbourne, including Ivanhoe East, Bulleen, Balwyn North, Balwyn, Kew and Alphington, along with the wider City of Boroondara and neighbouring council areas.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Kew East?
Your Mortgage Broker Kew East is operated by Your Mortgage Broker Kew East, a credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME]. The trading structure and the licensee relationship are both disclosed in full on this page and in our Credit Guide.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], which permits us to arrange credit assistance for residential home loans under the NCCP Act.
How do you get paid if I don't pay a fee?
The lender pays us a commission once your loan settles, plus a smaller ongoing commission while the loan remains with them. Neither amount comes from your pocket, and standard residential lending attracts no client fee.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, which is a genuine conflict we disclose rather than deny. To manage it, we put the reasoning behind every recommendation in writing, including the alternatives considered and why the suggested lender came out ahead.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If you are not satisfied, you can take the matter to the Australian Financial Complaints Authority, a free and independent external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders whose composition our licensee sets and updates from time to time. Rather than quote a figure that dates quickly, we will tell you which lenders suit your file and why.
Mortgage broker for Kew East and the suburbs around it
Get in Touch
The first conversation costs nothing: call (03) 9122 8521, tell us what you are trying to do, and we will say plainly whether we can help, and early if the file does not suit.