About us
About Your Mortgage Broker Hillarys
Your Mortgage Broker Hillarys is a mortgage broking business serving Hillarys and the surrounding northern suburbs, run by a named credit representative working under a licensed licensee, with the fees, the process and the licence details published rather than promised.
Why We Started a Broking Business in Hillarys
Borrowers here kept describing the same frustration: one bank, one policy, one answer, and no idea whether a different lender would have said yes. A broking business exists to fix exactly that, by comparing across a panel instead of selling a single product range from behind a counter.
Who You Actually Deal With
Trust in this industry comes down to a name, a face and a licence number, so here is all three:
The Broker on File
Your Mortgage Broker Hillarys fronts this business as the credit representative on the licence, a specialisation in residential lending for families, self-employed borrowers and professionals around Hillarys, with 370592 and Australian Credit Licence 389328 in the footer, handling each enquiry.
Local Files, Local Knowledge
Experience with local files shapes advice: refinances for long-time owners sitting on substantial equity, first purchases near the marina, construction loans for knockdown rebuilds, and self-employed applications from trades and small businesses operating along the Mitchell Freeway corridor through Joondalup.
One Person, Start to Finish
From the first call to settlement you deal with one person, the same broker who assesses your position, recommends the loan, lodges the full application and chases the lender, with no call centre, no handoffs and no repeating your story.
How We Get Paid, in Plain English
Most broker bashing, and most broker advertising, skips this section entirely, so here it is without the hedge.
Upfront commission
Trail commission
Neither touches your pocket
A fee is possible in some circumstances
Now the uncomfortable part, because a page that hides it does not deserve your application. Commission rates do vary a little between lenders, which creates a genuine conflict, and we would rather name it than wave it away. Our answer is to put the reasoning behind every recommendation in writing: which loans were considered, why the recommended one suits your situation, and what the alternatives were. You can then test the reasoning yourself, or take it to your accountant.
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 is one lender with one policy. A broker trades a small slice of the market for comparison across many lenders, live knowledge of their credit policies, and somebody accountable for the file through to settlement. For most borrowers that trade is a good one, and for a few it will not be, which we will tell you plainly.
Our Licence and Accreditations
Rather than describing our credentials in vague terms, here are the numbers, all verifiable:
The Credit Licence
Australian credit licensing is not self-issued: this business operates as an authorised credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], which carries full legal responsibility for the advice, the conduct and the compliance behind every file.
Our Representative Status
Representative number 370592 sits on the public register maintained by the regulator, so you can verify the authorisation yourself before exchanging any personal information, which is exactly the check we would always encourage anybody to run on any broker.
How We Operate
As a credit representative with number 370592, the business operates under Australian Credit Licence 389328, and those details appear in the footer of this website, alongside fees disclosed in writing and a process published for you to follow.
External Dispute Resolution
Complaints go first to us, then, if unresolved, to the Australian Financial Complaints Authority, an independent external dispute resolution body whose membership is compulsory for brokers and lenders, and our AFCA member number appears in full on the credit guide.
How We Work With You
The same process runs on every file: an initial conversation about your position and goals, a proper capacity calculation, a shortlist with fees and features laid out, then lodgement, lender liaison and settlement coordination, with each stage explained before it happens.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Hillarys?
Your Mortgage Broker Hillarys is owned and run by Your Mortgage Broker Hillarys, a credit representative authorised under Australian Credit Licence 389328, held by [LICENSEE NAME]. It is a broking business, not a lender, a bank or a comparison service.
Are you licensed to arrange home loans?
Yes. We operate as an authorised credit representative under [LICENSEE NAME]'s Australian Credit Licence 389328, with representative number 370592, which you can verify on the public register before you share anything personal.
How do you get paid if I don't pay a fee?
On most residential loans the lender pays us commission: an upfront amount after settlement and a smaller trail amount while the loan runs. Neither comes out of your pocket and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and pretending otherwise would be dishonest. That is exactly why we put the reasoning behind every recommendation in writing, so you can see for yourself why a particular loan was suggested.
What happens if I have a complaint?
Raise it with us first and we will work through it under our published complaints process. If it remains unresolved, you can take it to the Australian Financial Complaints Authority, an independent and free external dispute service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and specialist credit providers. No panel covers the entire market, and we will say plainly if your situation looks like one for somebody outside ours.
Mortgage broker for Hillarys and the suburbs around it
Get in Touch
Ring (08) 6311 4000 or send a message through the site, and the first conversation costs nothing and commits you to nothing: just a clear picture of your borrowing position and the options genuinely available to you.