About us
About Your Mortgage Broker Beaconsfield
Your Mortgage Broker Beaconsfield is a mortgage broking business serving Beaconsfield and the wider City of Fremantle, built on published fees, a named broker and a process you can audit, rather than testimonials drawn from a trading history that does not exist yet.
Why We Started a Broking Business in Beaconsfield
Most borrowers deal with a bank that sells one product range, then discover too late that the advice favoured the branch, not the household paying a median mortgage of about $2,300 a month around here. That asymmetry is why this business exists.
Who You Actually Deal With
Trust starts with knowing exactly who handles your credit file, what qualifications they hold and how to reach them. Here is the accountable person behind this business:
The Broker on File
Your Mortgage Broker Beaconsfield is the credit representative who fronts Your Mortgage Broker Beaconsfield, and the person who answers your call is the same person who personally assesses your file, from the first conversation through to settlement, with the process and fees disclosed in writing.
Local Lending Experience
Files from Beaconsfield and the surrounding City of Fremantle suburbs make up the bulk of everyday casework, covering first home purchases, refinances, investment structures, self-employed applications and construction lending, so the local lending patterns are familiar territory rather than guesswork.
Direct Access Always
Working with Your Mortgage Broker Beaconsfield means dealing directly with the broker from the first strategy call through to settlement, with no call centre, no junior handoff and no repeating your story, and questions get answered by the same person structuring your loan.
How We Get Paid, in Plain English
Nobody hides this on purpose and nobody explains it honestly either, so here it is without hedging. The commission structure works like this:
Upfront commission
Trail commission
Client fees
Because that income comes from lenders, there is a conflict worth naming rather than denying: commission rates vary a little between lenders, so a recommendation could earn marginally more from one option than another. The answer to that conflict is disclosure. The commission attached to every recommended option, and the reasoning behind the shortlist, are put in writing so you can judge the advice yourself rather than taking it on faith.
Is it worth using a broker at all? The honest trade-off is this: a panel, however wide, is still not every lender in the market, so a bank with an obscure product outside the panel would be missed. Against that, you get someone whose job is knowing which lender policies actually fit your file, at no direct cost in the standard case. For most borrowers that exchange favours the broker, and the worked examples across this site let you see the reasoning rather than trust a slogan.
Our Licence and Accreditations
Every claim on this page is checkable, and the numbers are printed rather than described. Here is the licensing position in full:
Australian Credit Licence
Credit assistance provided by Your Mortgage Broker Beaconsfield sits under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises the licensee to engage in credit activities under the National Consumer Credit Protection Act and carries the obligations that come with it.
Credit Representative Status
Your Mortgage Broker Beaconsfield operates as an authorised credit representative under number 370592, appointed by [LICENSEE NAME], and that representative status is recorded publicly on the professional registers, so you can verify the authorisation independently before engaging the business at all.
Standards We Work To
The practice works to documented compliance processes and a published code of practice, with continuing professional development each year and a formal complaints and conduct framework for borrowers, alongside the Australian Credit Licence details published in the footer for clients.
AFCA Dispute Resolution
As a member of the Australian Financial Complaints Authority, the business can be brought before an independent external dispute resolution body at no cost to you, which means an unresolved complaint never ends with the business simply refusing to engage.
How We Work With You
From the first conversation through to settlement and beyond, the process runs in published steps with real timelines attached, so you always know which stage your file is in, what happens next and who owns the next action.
Where we work
Areas We Service
From our Beaconsfield base, Your Mortgage Broker Beaconsfield serves the whole City of Fremantle, including White Gum Valley, Hilton, Hamilton Hill, South Fremantle and Fremantle, with the same licensing, the same commission disclosure and the same process applying to every suburb.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Beaconsfield?
Your Mortgage Broker Beaconsfield is operated by Your Mortgage Broker Beaconsfield, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The person named on the register is the person accountable for your file.
Are you licensed to arrange home loans?
Yes. The business operates as an authorised credit representative under number 370592, authorised by [LICENSEE NAME] under Australian Credit Licence 389328, and you can verify that authorisation on the ASIC professional registers before engaging us.
How do you get paid if I don't pay a fee?
The lender pays a commission once your loan settles, plus a smaller trail payment while the loan runs. Neither comes out of your pocket or changes your rate, and any circumstance where a fee would apply is disclosed in writing.
Do you get paid more for recommending certain lenders?
Commission rates vary a little between lenders, and that is a genuine conflict. The answer is disclosure: the commission attached to each recommended option is put in writing, alongside the reasoning, so you can judge the recommendation yourself.
What happens if I have a complaint?
Complaints go first to Your Mortgage Broker Beaconsfield, then to [LICENSEE NAME] if unresolved. As an AFCA member, the business can also be brought before the Australian Financial Complaints Authority, an independent body available to you at no cost.
How many lenders can you actually access?
A panel of lenders, spanning major banks, non-bank lenders and specialist lenders, is available to your file. The exact lenders suited to your circumstances, and the commission attached to each, appear in the Credit Guide before anything is lodged.
Mortgage broker for Beaconsfield and the suburbs around it
Get in Touch
Ready to talk through your options with the person who actually holds the file? Call (08) 6311 4005 for a no-obligation strategy conversation, or send a question in writing first if that suits you better.