About us
About Your Mortgage Broker Willoughby
Your Mortgage Broker Willoughby arranges home loans across Willoughby and the lower North Shore. This page sets out who fronts the business, how the money works, what licence sits behind the advice and exactly how the process runs.
Why We Started a Broking Business in Willoughby
Most borrowers meet the lending market at its worst: three banks, three different answers, and nobody accountable for the gap between what suits the household and what suits the lender's own policy that month.
Who You Actually Deal With
Everything below is verifiable today, which matters more than any claim about the future: a named broker, a licence number you can check with the regulator, and a fee structure in writing before anything is signed. Here is who fronts the business:
The Broker on File
The broker on file is Your Mortgage Broker Willoughby, who handles the owner-occupier and family files this suburb produces, from first purchases through equity releases, guarantor structures, construction files and later refinances, staying accountable from the very first call through to settlement.
Local Files, Local Facts
Willoughby files are usually family files: a median age of forty, average household size of 2.7, and streets of Federation homes and Californian bungalows mean valuations, heritage constraints and school-zone timing shape most of the lending decisions we handle here.
No Handoffs, Ever
You deal with Your Mortgage Broker Willoughby from the first conversation to settlement, with no call centre, no junior handoff and no re-explaining your situation, because one person who knows the whole file carries it through every single lender contact and stage.
How We Get Paid, in Plain English
The question half the people searching this page arrived with: what does the broker actually get paid, and does it come out of my pocket? Here is the whole structure, unhedged.
Upfront commission
Trail commission
Fees to you
One thing deserves naming rather than denying: commission sizes vary a little between lenders, which is a real conflict of interest. We manage it the only way that works, by putting the reasoning behind every recommendation in writing, showing which lenders were considered and why the one recommended won.
So is a broker worth it? For a straightforward file with a big deposit and simple income, possibly not; a single bank may serve you fine. For everyone else, the value is policy fit: knowing which lender reads your income, your property and your deposit favourably before an application is lodged. The honest trade-off is that any panel, however wide, is still not every lender in the market, and we will tell you when your best option sits outside it.
Our Licence and Accreditations
Four things sit behind every recommendation, each checkable with the regulator or the association today, none left as vague assurances; the numbers are stated here exactly as they appear on the registers:
The Licence
Credit assistance on this site is provided under Australian Credit Licence 389328, held by [LICENSEE NAME], the licensee responsible for the advice given here, the credit representatives appointed, and the compliance framework every file is handled and audited within.
Credit Representative Status
Your Mortgage Broker Willoughby is Credit Representative 370592, authorised under that licence to provide credit assistance, which means every recommendation on this site is made within a regulated framework with training, audit and accountability behind it, not just a business card.
Industry Association
Beyond the licence and the law, Your Mortgage Broker Willoughby works to a clearly published process and a professional code of practice covering conduct, continuing education and dispute handling, one more layer of accountability you can check before you commit to anything.
AFCA Membership
AFCA membership means any unresolved complaint can go to the Australian Financial Complaints Authority, a free, independent external dispute resolution scheme, so you never have to rely solely on the goodwill of the person or business you are complaining about.
How We Work With You
A published process replaces promises with dates, so you know which documents are needed, when assessment, valuation and approval should land, and who is doing the work at every step; the full timeline sits on our process page.
Areas We Service
Based in Willoughby, postcode 2068, we arrange loans across the lower North Shore, including North Willoughby, Middle Cove, Castlecrag, Northbridge, Naremburn and Artarmon, with Chatswood's commercial centre and its commuter belt close by and files welcome from anywhere in NSW.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Willoughby?
It is owned and operated by Your Mortgage Broker Willoughby, the credit representative named throughout this site, who handles every enquiry personally rather than passing files on to junior staff or a call centre.
Are you licensed to arrange home loans?
Yes: credit assistance is provided under Australian Credit Licence 389328 held by [LICENSEE NAME], with Your Mortgage Broker Willoughby authorised as Credit Representative 370592, and both numbers are checkable with ASIC today.
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 of which comes out of your pocket or changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission sizes vary a little between lenders, which is a genuine conflict, so we manage it by putting the reasoning behind every recommendation in writing, showing what else was considered and why it lost.
What happens if I have a complaint?
You complain to us first, and if it is not resolved you go to the Australian Financial Complaints Authority, a free external scheme whose decisions bind the licensee, with the details in our complaints process.
How many lenders can you actually access?
A panel of lenders, banks and non-banks alike, matched to your situation rather than to name recognition; the current list is confirmed against your file, because panel membership changes and a stale roster helps nobody.
Mortgage broker for Willoughby and the suburbs around it
Get in Touch
Call (02) 9072 0668 or enquire online about any Willoughby home loan, from a first purchase to a refinance, an equity release or a construction file; Your Mortgage Broker Willoughby responds within one business day, and the first conversation costs nothing and carries no obligation.