About us
About Your Mortgage Broker Melville
Your Mortgage Broker Melville is a mortgage broking service based in Melville, arranging home loans for buyers and owners across Perth's riverside suburbs. This page explains who we are, how we are licensed and exactly how we get paid.
Why We Started a Broking Business in Melville
Borrowers here were ringing five banks, repeating their story five times and still not knowing whether any of it suited them. That frustration is exactly why this business exists: to do the comparison properly, once, with the borrower in the room.
Who You Actually Deal With
Trust on a finance page has to be earned with specifics, not slogans, so this section names the person behind the brand and explains why you will never be passed between departments. Everything here is verifiable on your first appointment:
The Broker on File
Every file we handle sits with Your Mortgage Broker Melville from the first phone call through to settlement, so the person you meet is the same person arranging your loan, and all fees are disclosed in writing with the process published openly.
Local Lending Experience
Years of working Melville files builds a kind of pattern recognition that no spreadsheet matches, and that history covers refinances near the river, first purchases in Willagee and self-employed applications from Myaree trades, all situations we have genuinely placed before.
Direct Access, No Handoff
You never get handed to a call centre or a junior processor once the paperwork starts, because the same broker who scoped your strategy at the first meeting lodges the file, chases the lender and rings you with updates personally.
How We Get Paid, in Plain English
Most brokers bury this under a paragraph of hedging. We would rather answer it first, because the honest version is simpler than what most borrowers imagine:
Upfront commission
Trail commission
Complex file fees
There is a conflict worth naming plainly: commission amounts vary a little between lenders, so the economics are not perfectly neutral. Rather than deny that, we put the reasoning behind every recommendation in writing, showing which lenders were considered and why one was shortlisted.
So is it worth using a broker at all? The honest trade-off is that any panel, however wide, is still not every lender in the market. Against that, a bank branch will never tell you about its competitors and can only sell its own products. A broker with written reasoning gives you a documented comparison; a bank gives you one answer, its own. We think that trade favours the broker, and we would rather you decided with the numbers in front of you.
Our Licence and Accreditations
Numbers beat adjectives, so rather than describe our credentials we have printed them. Every item below can be checked independently before you speak to anyone here, and we would encourage you to do exactly that:
Credit Licence Status
Our authority to arrange home loans comes from an Australian Credit Licence held by [LICENSEE NAME], numbered 389328, which you can verify yourself on the public ASIC Connect register, a check we encourage every prospective client to run freely.
Credit Representative Status
Your Mortgage Broker Melville operates as a credit representative under that licence, carrying credit representative number 370592, which means every activity we perform is always done on behalf of the licensee and within the obligations the National Consumer Credit Protection Act imposes.
How We Work
Our process follows a professional code of conduct that goes beyond the statutory minimum, including ongoing education each year and an ethical framework that governs how recommendations are made and formally documented, so you always know how decisions are reached.
AFCA Membership
Should a dispute ever arise, we are members of the Australian Financial Complaints Authority, an independent external dispute resolution body that can hear consumer complaints about credit assistance free of charge, with our member number published in our credit guide.
How We Work With You
From a first phone call through to a check-in after settlement, the process is published, the timelines are real and each step has a named owner. You can read the full detail on our home page before committing to anything.
Where we work
Areas We Service
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Melville?
Your Mortgage Broker Melville is operated by Your Mortgage Broker Melville, a credit representative authorised under the Australian Credit Licence held by [LICENSEE NAME]. There is no call centre between you and the person doing the lending work.
Are you licensed to arrange home loans?
Yes. We operate as credit representative number 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME], and you can verify both numbers on the ASIC Connect register before engaging us.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles and a smaller trail commission while it runs. Neither comes out of your pocket or changes the terms you are offered.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, which is a genuine conflict, so we deal with it by putting the reasoning behind every recommendation in writing, showing what was compared and what was ruled out.
What happens if I have a complaint?
Raise it with us first and we will respond in writing. If unresolved, you can take it to the Australian Financial Complaints Authority, an independent body that hears complaints about credit assistance free of charge.
How many lenders can you actually access?
We work with a panel of lenders accredited under our licensee. We do not quote a number because panels change; we will walk you through exactly who is on it during your first conversation.
Mortgage broker for Melville and the suburbs around it
Get in Touch
Call Your Mortgage Broker Melville on (08) 6311 4000 for a free, no-obligation conversation about your situation, or send through your questions and we will answer them honestly, including the awkward ones about how we are paid.