About us
About Your Mortgage Broker Chelsea Heights
Your Mortgage Broker Chelsea Heights is a mortgage broking business serving Chelsea Heights and the surrounding bayside suburbs, built on disclosed fees, a published process and a named broker you can verify before you commit to anything.
Why We Started a Broking Business in Chelsea Heights
Too many local borrowers were taking one bank's first answer as the whole market's verdict, then giving up on homes they could genuinely afford. Your Mortgage Broker Chelsea Heights exists to replace that single verdict with a proper search across a panel of lenders.
Who You Actually Deal With
Everything on this page comes back to one point, which is that you deal with a specific, checkable person rather than a brand with no face behind it. Three things follow from that.
The Broker on File
Your file is handled by Your Mortgage Broker Chelsea Heights, the same accountable broker from your first Chelsea Heights conversation through to settlement day. Our credit representative number 370592 and Australian Credit Licence 389328 are both published in the website footer.
Local Lending Experience
Local experience here means knowing which lenders welcome the suburb's mix of established houses and newer builds, how irregular overtime at the nearby industrial estates is assessed, and what documentation a lender wants before it says yes to your file.
Direct Access, No Handoff
There is no call centre and no handoff at any stage, because the person who maps your borrowing capacity over the phone is the same person who lodges the application, negotiates with the lender and calls you when results arrive.
How We Get Paid, in Plain English
Most broker pages bury this at the bottom in fine print. We are putting it near the top, because the honest answer to "how is this free?" is the fastest way to earn trust.
Upfront commission
Trail commission
What you pay
When a fee applies
Now the uncomfortable part, because it deserves naming rather than denying. Commission levels vary a little between lenders, which means a genuine conflict exists: we earn slightly different amounts depending on where your loan is placed. We manage it by putting the reasoning behind every recommendation in writing, including the options we rejected and why, so you can interrogate the advice rather than take it on faith.
And the trade-off in the other direction: even a wide panel is not every lender in the market. Some lenders deal direct only. What a panel gives you is spread, meaning different credit policies read your situation differently, and that spread is usually worth more than the handful of direct-only lenders you would miss.
Our Licence and Accreditations
A new business cannot lean on reviews it has not earned, so everything we claim here is a number you can check yourself in minutes.
Credit Licence Status
Your Mortgage Broker Chelsea Heights operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by ASIC, so the lending activities we carry out are regulated under the National Consumer Credit Protection Act with its full obligations.
Credit Representative Number
The credit representative number attached to this business is 370592, a registration you can verify yourself on the ASIC professional registers website in under a minute, and we encourage every prospective client to do that before engaging any broker.
How We Work
Every file is handled by the same accountable broker from the first call through to settlement, fees are disclosed in writing before any work begins, and the steps of the process are published so households can see what happens next.
AFCA Membership
Complaints have an independent path through the Australian Financial Complaints Authority, of which the licensee is a member, so if we get something wrong you are not left negotiating with the business you are complaining about, a free referee exists.
How We Work With You
You start with a free strategy session, receive a written summary of your options with the reasoning attached, and nothing is lodged until you have signed off on it. The full staged process, with real timelines, is published on our home page.
Areas We Service
Your Mortgage Broker Chelsea Heights is based in Chelsea Heights and works across the surrounding City of Kingston suburbs, including Braeside, Bangholme, Patterson Lakes, Bonbeach, Chelsea and Edithvale, as well as the wider bayside corridor between Mordialloc and Frankston.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Chelsea Heights?
Your Mortgage Broker Chelsea Heights, a credit representative authorised under [LICENSEE NAME], owns and runs the business. There is no head office, no franchise layer and no call centre between you and the person handling your loan.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], as credit representative 370592. Both registrations can be verified on the ASIC professional registers before you engage us.
How do you get paid if I don't pay a fee?
On most home loans the lender pays us an upfront commission after settlement, then a smaller trail commission each year the loan runs. Neither comes from your pocket and neither changes your rate.
Do you get paid more for recommending certain lenders?
Commission levels do vary a little between lenders, and that is a genuine conflict we name rather than deny. We manage it by putting the reasoning behind every recommendation in writing before you commit.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If you are unsatisfied, the licensee's AFCA membership gives you access to a free, independent external dispute resolution process.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and mutuals. The exact composition is listed in the credit guide you receive at the first appointment, and we never round the number up.
Mortgage broker for Chelsea Heights and the suburbs around it
Get in Touch
Whether you are buying your first place, refinancing or sorting finance for an investment, the first conversation is free and carries no obligation. Call Your Mortgage Broker Chelsea Heights on (03) 9122 8522 and speak directly with Your Mortgage Broker Chelsea Heights about where you stand.