About us
About Your Mortgage Broker Balgowlah Heights
Your Mortgage Broker Balgowlah Heights is a mortgage broking business based in Balgowlah Heights, arranging home loans for households across the lower Northern Beaches. This page sets out who fronts the business, how the money flows, and exactly which licence stands behind it.
Why We Started a Broking Business in Balgowlah Heights
Borrowers on this peninsula tell us the same story: weeks of waiting on one bank, a decline with no explanation, and no idea another lender would have said yes. Your Mortgage Broker Balgowlah Heights exists to end that, by putting every file in front of a real person with a real licence number.
Who You Actually Deal With
A brand-new business earns trust by naming its people rather than hiding behind a logo, so here is precisely who picks up the phone, who signs the paperwork and who chases your valuation.
The Broker on File
Your Mortgage Broker Balgowlah Heights fronts every file personally, from first call to settlement, keeping you informed, disclosing fees in writing, you can verify our credit representative number 370592 in the footer before we talk numbers about your borrowing position and loan.
Local Case Experience
Peninsula files are the core of the practice: knockdown-rebuild valuations on large post-war blocks, bridging between harbourside sales, and equity releases funding major renovations, each handled from first call through settlement rather than passed down a queue to a junior.
No Handoff, Ever
You deal with Your Mortgage Broker Balgowlah Heights at every stage, from the first borrowing-capacity conversation through conditional approval, valuation chasing and formal approval, because files handed between people lose detail, and detail is what gets a loan approved cleanly and on time.
How We Get Paid, in Plain English
The question every borrower quietly wants answered is where our money comes from, so here it is with nothing withheld:
Upfront commission
Trail commission
Not from your pocket
Possible fee
There is one more thing honest disclosure requires. Commission levels vary a little between lenders, and that is a genuine conflict worth naming rather than denying. We manage it by putting the reasoning behind every recommendation in writing, so you can see why a particular lender suited your file and test that reasoning yourself.
Is a broker worth using, then? For most borrowers, yes: a panel means your file is assessed against multiple credit policies instead of one, and the paperwork is done for you. The honest trade-off is that any panel, however wide, is still not every lender in the market, and if going direct suits you better we will say so.
Our Licence and Accreditations
You can verify everything in this section yourself, in minutes, through public registers, which is exactly how credit disclosure should work.
Credit Licence Framework
Credit assistance in Australia operates under the National Consumer Credit Protection Act, and Your Mortgage Broker Balgowlah Heights does not hold a licence, instead operating as a credit representative authorised under the licence held by the licensee, which is the standard structure for broking.
Credit Representative Status
Our authorisation sits with [LICENSEE NAME] under Australian Credit Licence 389328, with credit representative number 370592 recorded against every document we prepare, so you can confirm the current authorisation status yourself through ASIC's public registers at any point.
Industry Association
Before you commit to anything, you can read about how the process works, what fees apply and who handles your file. Your Mortgage Broker Balgowlah Heights stays accountable from the first call through to settlement, and every fee is clearly disclosed in writing.
AFCA Membership
Complaints about credit assistance go to the Australian Financial Complaints Authority, AFCA, an independent external resolution scheme covering every client of Your Mortgage Broker Balgowlah Heights at no cost, and membership details are provided in the credit guide issued before any application is lodged.
How We Work With You
Once you know who we are and how we are paid, the working relationship is straightforward: a first conversation about your position, a written recommendation with the reasoning attached, then application, approval and settlement tracked personally from start to finish.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Balgowlah Heights?
The business is owned and run by Your Mortgage Broker Balgowlah Heights, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], who personally handles every application from the first conversation to settlement.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], which permits us to provide credit assistance and arrange home loans under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement and an ongoing trail commission while the loan runs; neither comes from your pocket or changes your rate, and any complex-file fee would be disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission levels vary a little between lenders, which is a genuine conflict we name rather than deny; we manage it by putting the reasoning behind every recommendation in writing so you can test it yourself.
What happens if I have a complaint?
Raise it with us first and we follow our internal complaints process; if unresolved, you can go free of charge to the Australian Financial Complaints Authority, AFCA, an independent scheme whose details appear in our credit guide.
How many lenders can you actually access?
We arrange lending across a panel of lenders spanning major banks, non-bank lenders and smaller specialists, but no panel covers every lender in the market, and we will tell you plainly if a direct option might suit better.
Mortgage broker for Balgowlah Heights and the suburbs around it
Get in Touch
Call (02) 9072 0640 or start with a short conversation about where you stand. Your Mortgage Broker Balgowlah Heights will map your borrowing position, explain the costs plainly and put the reasoning in writing before anything is lodged.