About us
About Your Mortgage Broker Box Hill
Your Mortgage Broker Box Hill is a mortgage broking business serving Box Hill and the surrounding Hills district, built around a simple arrangement: a named, licensed credit representative who handles your home loan personally, discloses how the business earns its income, and puts every recommendation in writing.
Why We Started a Broking Business in Box Hill
This suburb filled up fast after rezoning, and the lending system did not keep pace with it. New buyers in new estates kept hitting branch processes designed for established streets, and getting one answer from one bank was doing real damage to real purchases.
Who You Actually Deal With
Broking is a person-to-person service wearing a website, so here is the person, the credentials and the working style, all checkable:
The Broker on File
The broker on file is Your Mortgage Broker Box Hill, who handles your file from the first call through to settlement, specialising in first home buyers, refinancing and self-employed borrowers. Fees are disclosed in writing, and you know who is handling your loan.
Local Case Experience
Families here are buying land off the plan, building through master-planned estates and refinancing builder-linked loans, so the files we handle in Box Hill tend to involve construction drawdowns, guarantor structures and deposits assembled while the suburb was being built.
No Handoff, Ever
You deal with the same person from the first strategy call through to settlement and the review afterwards, because nobody hands your file to a call centre, and every question you ask is answered by somebody who knows the answer.
How We Get Paid, in Plain English
Most people never ask this question out loud, and the industry has been content to leave it unasked. Here is the full picture, with nothing held back:
Upfront commission
Trailing commission
Fees on complex files
Now the uncomfortable part, because pretending it does not exist insults your intelligence: commission levels vary a little between lenders, so there is a structural conflict in any commission-paid broking model. We manage it the only honest way, by writing down the reasoning behind every recommendation, including what was compared and why the chosen option suits your situation. If a low-commission lender is the better fit, that reasoning lands in your inbox where you can interrogate it.
Is it worth using a broker at all? For straightforward borrowers with a deposit and a simple income, a bank branch can work fine. The trade-off is that a panel, however wide, is still not every lender in the market, and any broker, us included, sees a slice rather than the whole. What you gain is someone who knows which slice fits you.
Our Licence and Accreditations
Trust in this industry should rest on verifiable registrations rather than on advertising, so here are the numbers, stated rather than described:
Australian Credit Licence
Broking is credit assistance under the National Credit Code, and every credit activity we arrange sits under Australian Credit Licence 389328, held by [LICENSEE NAME], the licensee legally responsible for the advice, conduct and compliance standards on every file.
Credit Representative Status
Your Mortgage Broker Box Hill operates as a credit representative under that licence, carrying credit representative number 370592, which means our authority to arrange home loans is written down, audited, and traceable to a licensee you can independently verify before you share anything.
How We Operate
Our process is published so you can see each step before you commit. The business operates as a credit representative, and its credit representative number 370592 and Australian Credit Licence 389328 appear in the footer of this website.
AFCA Membership
Should a disagreement ever arise that we cannot resolve directly, Australian Financial Complaints Authority membership gives you access to an independent, free external dispute resolution body, and our member number appears in the credit guide you receive before anything begins.
How We Work With You
The first step is a free, no-obligation strategy conversation about your position and your plans, and from there a published four-step process takes over, each stage with its own timeline, so you always know where your file stands and what happens next.
Areas We Service
Your Mortgage Broker Box Hill works with borrowers across Box Hill and the wider Hills district, including the neighbouring suburbs of Gables, Kenthurst, Nelson, Rouse Hill, Riverstone and Vineyard, along with the rest of The Hills Shire. If you are nearby and not listed, ask anyway.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Box Hill?
Your Mortgage Broker Box Hill owns and runs the business as a credit representative under [LICENSEE NAME]. The person whose name sits on the licence documentation is the person who handles your file, from the first conversation through to settlement.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], as credit representative 370592. You can verify the licence and the representative authorisation independently through the ASIC registers before you engage 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 trailing commission while the loan stays with them. Both come from the lender, so the guidance and the paperwork help cost you nothing.
Do you get paid more for recommending certain lenders?
Commission levels vary a little between lenders, and that is a genuine conflict we name rather than deny. Our answer is written reasoning: every recommendation arrives with an explanation of what was compared and why it suited you.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If we cannot resolve it to your satisfaction, you can take it to the Australian Financial Complaints Authority, an independent and free external dispute body.
How many lenders can you actually access?
We work with a panel of lenders spanning the major banks, substantial non-bank lenders and smaller specialists. The exact current count is confirmed in writing in our credit guide, because the panel changes from time to time.
Mortgage broker for Box Hill and the suburbs around it
Get in Touch
Ready to talk through your position with a named broker rather than a call queue? Call (02) 9072 0666 for a free, no-obligation strategy session with Your Mortgage Broker Box Hill, or send your questions through and Your Mortgage Broker Box Hill will come back to you personally.