About us
About Your Mortgage Broker Avalon Beach
Your Mortgage Broker Avalon Beach is a mortgage broking business based in Avalon Beach, arranging home loans across the upper Northern Beaches peninsula. This page sets out who you deal with, how we get paid and what licence backs the work, so you can verify every claim.
Why We Started a Broking Business in Avalon Beach
Borrowers on this peninsula were driving to a bank branch, taking whatever rate and policy that single lender offered, then repeating the process at the next bank after a decline. Your Mortgage Broker Avalon Beach was built to do the comparing once, properly, with the reasoning shown to you in writing.
Who You Actually Deal With
No call centres, no junior assistants, no mystery about who holds your file. Here is exactly who handles your lending from the first phone call through to settlement day:
The Broker on File
You deal directly with Your Mortgage Broker Avalon Beach, who personally assesses every file against lender policy before anything is recommended to you at Your Mortgage Broker Avalon Beach, handles your application from the first call through to settlement, and keeps you clearly informed at every step.
Local Files Handled
Avalon Beach files bring their own texture: fibro originals from the holiday era, architect designed knockdown rebuilds and prestige addresses near Careel Bay, each carrying valuation quirks Your Mortgage Broker Avalon Beach reads as routine rather than exceptional when preparing your own application.
No Handoffs, Ever
From the first conversation through to settlement, your file stays with one person, so nothing gets lost between departments, questions get answered the same day, and you never retell your story to somebody new halfway through a lengthy property purchase.
How We Get Paid, in Plain English
Most borrowers never ask this question, and the ones who do are usually surprised by the answer:
Upfront commission
Trail commission
Neither changes your rate
Fees, if any
Now the uncomfortable part. Commission sizes vary a little between lenders, and that is a genuine conflict worth naming rather than denying. Your Mortgage Broker Avalon Beach answers it by putting the reasoning behind every recommendation in writing: which lenders were considered, why the recommended one won, and what the alternatives would have cost you in fees and features. If the reasoning does not stack up, you will see it immediately.
Is a broker worth using? For most borrowers, yes: documents assembled once, a file matched to the credit policy that actually fits it, and someone on your side of the table at valuation and approval. The honest trade-off is that any panel, however wide, is still not every lender in the market, and Your Mortgage Broker Avalon Beach will say so if the right option for you sits outside it.
Our Licence and Accreditations
Everything below can be verified on public registers in about ten minutes, and a broker who hesitates over any of it has told you something:
Credit Licence Status
Your Mortgage Broker Avalon Beach operates as a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], which means every loan we arrange is conducted under the responsible lending obligations of the National Consumer Credit Protection Act and its regulations.
Credit Representative Number
Credit Representative 370592 is the number recorded against Your Mortgage Broker Avalon Beach under the licensee, and you can verify it yourself by searching the public credit register maintained by ASIC before you share a single document with any of us here.
How We Work
Our approach to lending follows a published process from first call to settlement, with fees disclosed in writing. Credit representative number 370592 and Australian Credit Licence 389328 appear in the footer. Complaints can additionally be escalated to AFCA.
AFCA Membership
Membership of the Australian Financial Complaints Authority means any dispute you cannot resolve with us directly can be escalated free of charge to an external ombudsman service whose decisions bind the licensee, giving you a genuine avenue beyond our goodwill.
How We Work With You
The working method is published rather than promised: a first conversation by phone, video or in person, documents assembled once, a written recommendation with the reasoning attached, then the file managed through to settlement with dates at every stage. More detail sits on the home page.
Where we work
Areas We Service
Based in Avalon Beach, Your Mortgage Broker Avalon Beach serves borrowers right across the upper peninsula, including Palm Beach, Whale Beach, Newport and Clareville, with appointments by phone, video or in person.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Avalon Beach?
Your Mortgage Broker Avalon Beach owns and runs Your Mortgage Broker Avalon Beach, operating as a credit representative under [LICENSEE NAME]'s Australian Credit Licence, and handles every client file personally from the first conversation through to settlement.
Are you licensed to arrange home loans?
Yes. The business operates under Credit Representative 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], and every number here can be verified on the ASIC credit register.
How do you get paid if I don't pay a fee?
The lender pays an upfront commission on settlement and a smaller trail commission while the loan runs, neither of which comes from your pocket or changes the rate you receive.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, which is a real conflict, so every recommendation comes with written reasoning showing which lenders were considered and why the recommended option won.
What happens if I have a complaint?
Raise it with us first, and if it is not resolved, you can escalate free of charge to the Australian Financial Complaints Authority, whose decisions bind the licensee.
How many lenders can you actually access?
A panel of lenders spanning major banks, regional banks and non-bank lenders, listed in the Credit Guide you receive before anything is recommended, and no panel covers every lender in the market.
Mortgage broker for Avalon Beach and the suburbs around it
Get in Touch
Call (02) 9072 0640 to talk through your position with the person who will actually handle your file, or start with a plain conversation about what you need and where the process begins. There is no obligation in a first call.