About us
About Your Mortgage Broker Narre Warren North
Your Mortgage Broker Narre Warren North provides mortgage broking to Narre Warren North and the surrounding Casey suburbs, built on a published process, a disclosed fee and commission structure and a named, qualified broker who handles your file personally from start to finish.
Why We Started a Broking Business in Narre Warren North
Too many local borrowers were being told one answer by their own bank and left guessing whether the problem was their circumstances or the lender's policy, so we built a service that puts the whole market side by side instead.
Who You Actually Deal With
Broking is a personal service, and the person across the table matters more than the logo on the letterhead. These three points describe exactly who handles your file:
The Broker on File
The broker you deal with is Your Mortgage Broker Narre Warren North, and the same broker handles your file from the first call through to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the site footer.
Local Case Experience
Local files here are rarely textbook, so experience with self-employed applicants on acreage properties, construction draws for new builds and refinances on larger balances shapes how each case is prepared before a lender on the panel ever sees the file.
Direct Access, No Handoff
Every conversation happens with the same person from first phone call to final settlement, and because nobody hands your file to a junior or a call centre, decisions get made quickly and nothing gets lost in an internal queue somewhere.
How We Get Paid, in Plain English
Most brokers, including us, charge most clients nothing directly. That sounds too good, so here is exactly how the money works.
Upfront commission
Trail commission
What it costs you
The exception
Now the uncomfortable part, because it deserves naming rather than denying. Commission does vary a little between lenders, which means a broker has a financial interest in which lender is recommended. Our answer is disclosure: the reasoning behind every recommendation, including what we would earn, is put in writing before you sign anything, so you can interrogate it, question it or walk away.
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, and a bank branch shows you only one. A broker sits between those limits and, for most borrowers, the ability to match policy to circumstances rather than hoping yours fits one box is worth a great deal.
Our Licence and Accreditations
Trust in this industry should rest on verifiable numbers, not slogans. Here are ours, exactly as registered:
Credit Licence Status
Our lending authority exists because [LICENSEE NAME] holds Australian Credit Licence 389328, issued and regulated by the Australian Securities and Investments Commission, and every arrangement we make sits squarely inside the conditions that licence imposes on authorised credit representatives.
Credit Representative Status
Your Mortgage Broker Narre Warren North operates as credit representative 370592 under that licence, which means the licensee carries formal responsibility for our compliance, our training and our conduct, so you are never dealing with an unregulated intermediary when we talk about your borrowing.
Accountable Broker Support
Working with Your Mortgage Broker Narre Warren North, the same accountable broker handles your file from first call to settlement. Credit representative number 370592 and Australian Credit Licence 389328 appear in the footer. Fees are disclosed upfront, and the process is published.
AFCA Membership
Should a dispute ever arise, our AFCA membership number [AFCA NUMBER] gives you access to an independent, free external complaints scheme, which means an unresolved disagreement does not end with us, it goes to an industry ombudsman with real power.
How We Work With You
It starts with a free, no-obligation conversation about your goals, income, debts and timeline. From there we map realistic options across the panel, prepare and submit the application, manage the lender's questions and stay in contact through to settlement and beyond.
Areas We Service
From our Narre Warren North base we work across Casey, including Lysterfield, Narre Warren East, Harkaway, Berwick, Narre Warren and Hallam, and we handle phone and video appointments anywhere in Victoria when visiting in person is not practical.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Narre Warren North?
Your Mortgage Broker Narre Warren North is operated by Your Mortgage Broker Narre Warren North, trading as a credit representative under [LICENSEE NAME]. The licensee holds the Australian Credit Licence and carries formal responsibility for how the business conducts its lending work.
Are you licensed to arrange home loans?
Yes. We act as credit representative 370592 under Australian Credit Licence 389328, which authorises us to provide credit assistance and arrange loans under the NCCP Act.
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 from your pocket, and we disclose the exact amounts in writing before you commit.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and that is a genuine conflict worth naming. Our answer is to put the reasoning behind every recommendation in writing, so you can see exactly why each lender was chosen.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, a free and independent external dispute resolution scheme, at no cost to you.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and specialist lenders. The exact count comes from our licensee and we state it accurately rather than inflating it, and no panel covers every lender in Australia.
Mortgage broker for Narre Warren North and the suburbs around it
Get in Touch
Call (03) 9122 8521 or book a free strategy session to talk through your borrowing plans with a broker who will show you the whole market, explain exactly how we are paid and put every recommendation in writing before you decide.