About us
About Your Mortgage Broker Mount Pleasant
About Your Mortgage Broker Mount Pleasant: the person behind it, the licence that authorises it, how it earns money and what you can expect, written plainly because a new business should earn trust through transparency rather than marketing claims.
Why We Started a Broking Business in Mount Pleasant
Big banks closed local branches and pushed everyone towards apps and call queues, and borrowers in Mount Pleasant kept describing the same experience: nobody owns their file, nobody explains a decline, and the person they speak to changes every time.
Who You Actually Deal With
A broking business is only as trustworthy as the individual who fronts it, so rather than hiding behind a logo, we put the person on the page with credentials you can verify yourself:
The Broker on File
Your Mortgage Broker Mount Pleasant personally handles every file from the first conversation through to settlement day, working as part of a business that operates as a credit representative under 370592 and Australian Credit Licence 389328. Fees are disclosed in writing.
Local Lending Experience
Lending around the Melville riverside throws up particular patterns, from dual income households chasing larger homes to long term owners releasing equity, and experience built on files from this pocket of Perth shapes how each application gets framed and documented.
No Handoffs, Ever
You will never be handed to a call centre or a junior processor, because the person who takes your first call builds your file, answers your questions directly and stays personally responsible for the outcome right through to settlement day.
How We Get Paid, in Plain English
Nobody chooses a dentist without asking what it costs, and broking should be no different, so here is exactly where our money comes from:
Upfront commission
Trail commission
What you pay
When a fee applies
Now the part most brokers leave out. Commission levels vary slightly between lenders, which means we could earn a little more on one recommendation than another. That is a genuine conflict of interest and we would rather name it than deny it. The way we manage it is simple: the reasoning behind every recommendation goes to you in writing, lender by lender, so you can see exactly why a loan was shortlisted and test that logic yourself, or with your accountant.
So is it worth using a broker at all? Here is the honest trade-off. A panel of lenders, however broad, is still not every lender in Australia, and a bank branch is exactly one lender. Between those two positions you are choosing between a single set of credit policies and several, plus someone who documents the file properly and explains each decision. We are happy to put that choice in front of you and let you weigh it.
Our Licence and Accreditations
Trust in finance starts with licence numbers you can actually check, so here are ours in full, each one verifiable on a public register rather than taken on faith:
Credit Licence Status
Your Mortgage Broker Mount Pleasant operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by ASIC, and that licence authorises the credit activities this business carries out, including arranging residential home loans for clients across Western Australia.
Credit Representative Status
Our credit representative number is 370592, recorded on the public register and quoted in the Credit Guide you receive at the first meeting, so you can check the authorisation yourself on the register before committing to anything at all.
Accountable To Clients
Your Mortgage Broker Mount Pleasant works under the credit representative number 370592 and Australian Credit Licence 389328 shown in the footer, follows a published process from first call to settlement, keeps fees disclosed in writing and remains accountable to clients throughout.
AFCA Membership
Should a dispute ever arise, Your Mortgage Broker Mount Pleasant is a member of the Australian Financial Complaints Authority, an independent external dispute resolution service, which means an unresolved complaint can be taken further without cost to you, and its determinations legally bind us.
How We Work With You
The process is published on this site, with a timeline attached to every stage, and it runs from a free strategy call through research, lodgement, approval and settlement. You approve the shortlist before anything is lodged, and nothing proceeds without your written sign-off.
Where we work
Areas We Service
Based in Mount Pleasant, we work across the City of Melville and the neighbouring riverside suburbs, including Applecross, Como, Salter Point, Rossmoyne, Brentwood and Booragoon, with phone and video appointments available right across greater Perth.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Mount Pleasant?
Your Mortgage Broker Mount Pleasant is operated by Your Mortgage Broker Mount Pleasant as a credit representative of [LICENSEE NAME], which holds the Australian Credit Licence. The full structure and every licence number appear on this page.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], with our own credit representative number, 370592, verifiable on the public registers.
How do you get paid if I don't pay a fee?
The lender you settle with pays us a commission at settlement and a smaller trailing commission while the loan runs. Neither comes from your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Yes, commission levels vary a little between lenders. That is a genuine conflict of interest, so the reasoning behind every recommendation goes to you in writing so you can check it.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, an independent service, at no cost.
How many lenders can you actually access?
We work with a panel covering major banks, regional banks and non-bank lenders. The current count comes from our licensee and is confirmed in the Credit Guide you receive first up.
Mortgage broker for Mount Pleasant and the suburbs around it
Get in Touch
Call (08) 6311 4000 for a free, no-obligation conversation about your borrowing plans, or send your details through and Your Mortgage Broker Mount Pleasant will come back to you personally, usually within one business day, with an honest read on where you stand.