About us
About Your Mortgage Broker Bowral
Your Mortgage Broker Bowral is a mortgage broking service based in Bowral, operating as a credit representative under a licensed Australian Credit Licence holder. This page explains who we are, how we are paid and how we are regulated.
Why We Started a Broking Business in Bowral
Borrowers in the Wingecarribee kept describing the same experience: one bank, one assessor, one verdict, and no explanation of what a different lender's policy would have said. Your Mortgage Broker Bowral exists to put that comparison in front of every local file.
Who You Actually Deal With
Trust in broking starts with a name, not a logo, and this section puts ours on the record. Here is who fronts the licence, what they bring to Bowral files, and how the working relationship runs:
The Broker on File
Your Mortgage Broker Bowral is the credit representative behind Your Mortgage Broker Bowral, an accountable person who handles your file from first call through to settlement, and you can see our credit representative number 370592 and Australian Credit Licence 389328 in the footer.
Local Files We Know
Local files here follow patterns a city broker rarely sees, from retirements funded by equity release to professional couples buying near the golf course, and that repeat exposure means your scenario arrives at a lender already framed the right way.
No Handoffs, Ever
You will never be handed off to a call centre or an overseas processing team, because the person who assesses your situation also lodges the application, answers the lender queries and rings you back the same day with an update.
How We Get Paid, in Plain English
Most people never ask how a broker is funded, which is exactly why the honest answer belongs on a page rather than buried in a contract. Here is the whole arrangement:
Upfront commission
Trail commission
What you pay
Exceptional files
Here is the conflict worth naming honestly: commission amounts do vary a little between lenders, which means a broker is never entirely fee-blind, and pretending otherwise insults your intelligence. Our answer is to put the reasoning behind every recommendation in writing, showing which lenders were compared and why the recommended option suits your file.
So is it worth using a broker? The honest trade-off is this: any panel, however wide, is still not every lender in the market, while a bank branch is one lender with no comparison at all. We think informed breadth beats uninformed depth, and you can judge that trade-off from the written reasoning we provide.
Our Licence and Accreditations
Numbers, not adjectives, are what a licence check should produce. Everything below is verifiable on the public registers today, and we would rather you check it than take it on faith. Here is the full regulatory picture:
Australian Credit Licence
Your Mortgage Broker Bowral operates as a credit representative under the Australian Credit Licence held by [LICENSEE NAME], licence number 389328, which means every credit activity we perform is authorised, supervised and subject to the responsible lending obligations under the NCCP Act.
Credit Representative Status
Our credit representative number is 370592, recorded publicly against [LICENSEE NAME] on the professional registers, so you can verify our authorisation independently before sharing a single financial detail, which is exactly the check we would encourage anybody to run.
How We Work
Every loan file is handled by the accountable broker from the first call through to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer, and our fees are disclosed in writing.
AFCA Membership
Should a dispute arise, Your Mortgage Broker Bowral and its licensee are members of the Australian Financial Complaints Authority, AFCA membership number [AFCA NUMBER], an independent external dispute resolution scheme available to you free of charge, our internal complaints process runs before that.
How We Work With You
Working with us runs in published stages, so nothing about the process is a surprise: a free strategy call, borrowing capacity, a written comparison of options, lodgement, then settlement and an annual review. The detail sits on our home page.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Bowral?
Your Mortgage Broker Bowral is owned and run by Your Mortgage Broker Bowral, a credit representative authorised under Australian Credit Licence 389328, held by [LICENSEE NAME]. Ownership and authorisation details appear on this page and in the footer of every page.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under an Australian Credit Licence, which authorises us to arrange home loans and other credit products. Our credit representative number is 370592 and the licensee details are published throughout this site.
How do you get paid if I don't pay a fee?
For standard home loan work, the lender pays us commission once your loan settles, so most clients pay us nothing directly. If a scenario ever attracts a fee payable by you, we disclose it upfront in writing before you proceed.
Do you get paid more for recommending certain lenders?
Upfront commission does vary slightly between lenders, and that is a genuine conflict we name rather than deny. Our answer is transparency: every recommendation comes with the lenders compared and the reasoning in writing, so you can challenge it.
What happens if I have a complaint?
Raise it with us first and we will respond within our documented internal complaints process. If you are not satisfied, you can take the matter to AFCA, the independent external dispute resolution scheme we belong to, free of charge.
How many lenders can you actually access?
We compare options across a panel of lenders spanning major banks, smaller banks, credit unions and non-bank lenders. No panel covers every lender in Australia, and if a suitable option sits outside ours, we will say so plainly.
Mortgage broker for Bowral and the suburbs around it
Get in Touch
The next step costs nothing: call (02) 9072 0666 for a free, no-obligation conversation about your lending plans, or explore the service pages on this site. You will speak with the broker named on this page, not a call centre.