About us
About Your Mortgage Broker Wembley Downs
This page covers who fronts Your Mortgage Broker Wembley Downs, how the business earns money, what licence authorises it and what happens if something goes wrong, because a new operation should earn trust through full disclosure rather than marketing claims.
Why We Started a Broking Business in Wembley Downs
Too many borrowers around the western suburbs spent weeks at a single bank, received one policy-based answer with no explanation, then walked away convinced a decline was final. Your Mortgage Broker Wembley Downs exists to put the whole market in front of those people instead.
Who You Actually Deal With
This section matters more than anything else on the page. A mortgage business is only ever as good as the person who runs it, so here is exactly who that person is:
The Broker on File
The broker behind every file is Your Mortgage Broker Wembley Downs, who manages your application from the first call through to settlement, keeping you informed at each step, and specialises in home, refinancing and investment lending for borrowers and families around Wembley Downs.
Local Case Experience
That experience covers the situations Wembley Downs actually produces, from dual-income households refinancing large loans on established four-bedroom homes to first buyers using family guarantees and self-employed owners whose minimised tax returns hide genuine borrowing capacity from standard bank assessment.
Direct, No Handoffs
When you engage this business you deal with that same person from the first phone call through settlement and beyond, with no junior handoffs, no call centre queues and no repeating your circumstances to a different stranger at every stage.
How We Get Paid, in Plain English
You should not have to dig for this information, so it is written out in full here rather than buried in a document you receive after committing. In the standard process, you pay nothing. Here is the detail:
Upfront commission
Trail commission
What you pay
Now the part most brokers skip. Commission sizes vary a little between lenders, which is a genuine conflict of interest and pretending otherwise would insult your intelligence. The way we manage it is by putting the reasoning behind every recommendation in writing, showing what each option costs you in total, and giving you the documents to check that reasoning yourself.
Is it worth using a broker at all? The honest trade-off is this: a panel, however wide, is still not every lender in the market, and a bank branch is not every lender either. What you gain is a person who can compare policies across a panel against your actual circumstances and is legally obliged to act in your interest. What you accept is that the panel has edges. We would rather tell you that now than have you find out later.
Our Licence and Accreditations
Every claim below can be checked by you independently, most of them in under five minutes on a public register, and the numbers are stated in full rather than described:
Credit Licence Status
Broking in Australia requires authorisation under the National Consumer Credit Protection Act, and Your Mortgage Broker Wembley Downs operates as an authorised credit representative under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, which carries legal responsibility for the credit activities we perform.
Credit Representative Number
Our credit representative number, 370592, is registered against that licence and appears on every document we issue, so you can verify our authorisation directly through the public ASIC registers online before you share a single financial detail with us.
How We Work
Your file is handled by the same 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 all fees are disclosed in writing.
AFCA Membership
Should a dispute arise that we cannot resolve directly, you have free access to the Australian Financial Complaints Authority, an independent external dispute resolution body, and our membership details sit in the credit guide you receive before an application begins.
How We Work With You
From a first conversation about your goals, through document gathering, lender comparison, application and settlement, Your Mortgage Broker Wembley Downs runs one accountable process with a review booked after your first year, so nothing gets handed off and nothing goes quiet on your file.
Where we work
Areas We Service
Our work covers the western suburbs surrounding Wembley Downs, taking in Doubleview, Woodlands, Churchlands, Floreat, City Beach and Scarborough, all within the City of Stirling and Perth's coastal strip.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Wembley Downs?
Your Mortgage Broker Wembley Downs is owned and operated by Your Mortgage Broker Wembley Downs, who fronts the business as its credit representative and handles every client file personally, trading under the licensee named in the disclosure section above.
Are you licensed to arrange home loans?
Yes, we operate as credit representative 370592 under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, an authorisation you can verify on the ASIC professional registers before you share any financial information with us.
How do you get paid if I don't pay a fee?
The lender funding your loan pays a commission at settlement and a smaller trailing amount 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?
Yes, commission rates vary a little between lenders, and pretending otherwise would be dishonest. We manage that conflict by documenting the reasoning behind every recommendation, comparing what each option actually costs you, and giving you the answer in writing.
What happens if I have a complaint?
Raise it with us first and we will address it directly, but if it stays unresolved you can take it to the Australian Financial Complaints Authority at no cost to you, and our membership details are in the credit guide.
How many lenders can you actually access?
The panel available through our licensee includes major banks, regional banks and non-bank lenders, and we will happily walk you through the current list, though no panel genuinely covers every lender in the Australian market.
Mortgage broker for Wembley Downs and the suburbs around it
Get in Touch
Ready to talk through your position? Ring (08) 6311 4000, send us an email, or book a free strategy call and Your Mortgage Broker Wembley Downs will come back to you within one business day with a clear next step, whatever that step turns out to be.