About us
About Your Mortgage Broker Kirrawee
Your Mortgage Broker Kirrawee is a mortgage broking business built for Kirrawee and the surrounding Shire: a named broker, a published fee and commission structure, and a process you can check at every step. This page sets out exactly who we are.
Why We Started a Broking Business in Kirrawee
Ring a bank about a home loan and you get one answer: theirs. Locals juggling the First Home Owner Grant, apartment buys near the station and equity releases on big old blocks deserve someone whose obligation runs to them, and that gap is why this business exists.
Who You Actually Deal With
No anonymous brand, no rotating staff. The credentials below are checkable, and that is deliberate:
The Broker on File
Your Mortgage Broker Kirrawee fronts every file personally, from the first call through to settlement. You deal with one named person who knows your situation, and our credit representative number 370592 and Australian Credit Licence 389328 sit in the footer.
Local Case Experience
Kirrawee files are our bread and butter: first buyers chasing apartments near the station, families upgrading from fibro cottages, owners releasing equity from generous red-brick blocks, and we bring that case experience to every assessment we prepare for panel lenders.
Direct Access, Always
Nothing gets handed off here: the person who maps your borrowing capacity also packages your documents, argues the tricky parts with credit assessors, and stays reachable through settlement, so one accountable pair follows your file from first call to finish.
How We Get Paid, in Plain English
Most people assume a broker's fee hides somewhere in the loan. It does not, and here is the full picture:
Upfront commission
Trail commission
Cost to you
Fees
Now the uncomfortable part. Commission sizes vary a little between lenders, and that is a genuine conflict worth naming rather than denying. We answer it by putting the reasoning behind every recommendation in writing: which lenders we compared, why the shortlist is the shortlist, and what each option costs over the term.
Is a broker worth it? Usually, because policy fit across a panel beats one bank's rulebook, and we do the paperwork and the chasing. The honest trade-off: any panel, however wide, is still not every lender in the market, and we will tell you if a non-panel option looks better for you.
Our Licence and Accreditations
Everything below is a number you can verify on a public register, not a claim you have to trust:
Australian Credit Licence
Australian Credit Licence 389328, held by [LICENSEE NAME], authorises the credit activities behind every recommendation on this site, and you can verify it yourself on ASIC's public register rather than taking our word for the licence existing at all.
Credit Representative Status
Your Mortgage Broker Kirrawee operates as a credit representative, number 370592, appointed under that licence, which means our own work sits inside a licensee's compliance framework, its lender accreditations and its formal external dispute resolution arrangements from your very first conversation onward.
Our Commitments
We follow a clear code of practice covering ethical conduct and ongoing development, and we publish our process so you can see each step. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
AFCA Membership
AFCA membership means a free, independent complaints avenue if anything goes wrong, and the details appear in our Credit Guide, so you hold the dispute pathway in writing well before you ever owe us anything or sign anything at all.
How We Work With You
The process is published, timed and deliberately boring, and it runs the same way every time regardless of which lender ends up with the file. You will find it set out in full on the home page, with real timelines attached to each stage.
Where we work
Areas We Service
Kirrawee is home base, and we work across the surrounding Shire, including Kareela, Sylvania, Gymea, Gymea Bay and Grays Point, each with its own page of local figures and lending notes.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Kirrawee?
Your Mortgage Broker Kirrawee owns and runs Your Mortgage Broker Kirrawee as a credit representative under [LICENSEE NAME]'s Australian Credit Licence. One named person carries the accountability for every file, and you deal with that person directly.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Kirrawee operates under credit representative number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. You can verify both on ASIC's public register.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement and a smaller trail commission while the loan runs. Neither comes out of your pocket, and neither changes what your loan costs you.
Do you get paid more for recommending certain lenders?
Commission sizes vary a little between lenders, which is a genuine conflict we name rather than deny. We answer it by putting the reasoning behind every recommendation in writing before you commit.
What happens if I have a complaint?
Raise it with us first and we will try to resolve it. If you are not satisfied, you can take it to AFCA, the free independent complaints body, whose details are in our Credit Guide.
How many lenders can you actually access?
We access a panel of lenders through our licensee: major banks, smaller banks, mutuals and non-bank lenders. We will tell you exactly which lenders we are comparing for your file and why.
Mortgage broker for Kirrawee and the suburbs around it
Get in Touch
Call (02) 9072 0649 or book a free strategy call and we will map your borrowing capacity, shortlist the lenders whose policy fits, and put the reasoning in writing. The first conversation costs nothing and obliges you to nothing.