About us
About Your Mortgage Broker Killara
Your Mortgage Broker Killara is a mortgage broking practice based in Killara, on Sydney's Upper North Shore, built around one named, licensed broker, a published fee and commission structure, and a process you can hold us to from day one.
Why We Started a Broking Business in Killara
Buying in Killara means a median household mortgage repayment of about $3,300 a month and housing stock dominated by heritage homes on large blocks, yet most borrowers get sold a product before anyone maps their actual position. That gap is why this business exists.
Who You Actually Deal With
A brand this new cannot lean on testimonials, so the trust case rests on a person you can verify and a structure you can check. Everything below is stated plainly, with the numbers attached:
The Broker on File
The broker on file is Your Mortgage Broker Killara, who handles your file from first call to settlement across owner-occupied, investment, construction and guarantor lending, so every recommendation is attributable and checkable against 370592 and 389328 published in the footer.
Local Files, Local Quirks
Killara files run through this office, from first buyers near the station to Federation homes on large blocks, so the comparable sales, heritage overlays and valuation quirks that move approvals here are worked with weekly, not learned on your file.
One Person, End to End
Your file never changes hands, because the person who takes the strategy call also prepares the application, lodges it, chases the assessor and negotiates the valuation, which means full context survives every stage and you never repeat your story twice.
How We Get Paid, in Plain English
Most brokers bury this. It is the fastest way to decide whether to trust us, so here is every dollar and where it comes from:
Upfront commission
Trail commission
No fee for standard files
When a fee can apply
One conflict deserves naming rather than denying: commission levels vary between lenders. The variation is modest, and it never pays us to place a loan that fails, but it exists. We answer it by putting the reasoning, and the commission, behind every recommendation in writing before you choose.
Is a broker worth it, honestly? A panel of lenders gives you genuine policy competition, and a self-employed applicant or a small-deposit buyer often gets a materially different answer across that panel than at their own bank. The trade-off is real too: a panel, however wide, is still not every lender in the market, and we will tell you plainly if yours sits outside it.
Our Licence and Accreditations
Before you share a document with anyone in this industry, you should be able to check their authority on a public register. Here is ours, with the numbers:
The Licence Behind Us
Credit assistance here operates under Australian Credit Licence 389328 held by [LICENSEE NAME], the licensee on the record, and that licence number can be searched on the public ASIC professional registers before you share a single document with us.
Credit Representative Status
Trading under Your Mortgage Broker Killara, the broking work is done as an authorised credit representative, number 370592, appointed under that licence, which is the structure ASIC requires for anyone giving credit assistance to consumers without holding a licence of their own.
Standards Behind the Practice
The broking practice is run to a clear standard, with the same accountable broker handling your file from the first call through to settlement, the process published openly so you can see each step, and fees disclosed in writing upfront.
AFCA Membership
Complaints about the service have an independent avenue through AFCA membership, the free external dispute resolution scheme covering Australian financial services, so any dissatisfaction that we cannot resolve internally has somewhere formal and independent to go, beyond us and free.
How We Work With You
Once you know who we are and how we are paid, the working relationship is simple: a strategy call, a written shortlist with the reasoning and commissions attached, lodgement and chasing by the same person, then a check-in after settlement to confirm the loan still fits your life.
Where we work
Areas We Service
Based in Killara, Your Mortgage Broker Killara works with borrowers across the neighbouring Ku-ring-gai and northern Sydney districts, including Gordon, East Killara, East Lindfield, Lindfield, Macquarie Park and West Pymble.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Killara?
It is operated by Your Mortgage Broker Killara trading under Your Mortgage Broker Killara, as an authorised credit representative of [LICENSEE NAME]. One named person owns the relationships, signs the recommendations and answers the phone, so accountability never diffuses into a call centre.
Are you licensed to arrange home loans?
Yes. Credit assistance is provided under Australian Credit Licence 389328 held by [LICENSEE NAME], with the broking work authorised through credit representative number 370592, both of which you can verify on the ASIC registers.
How do you get paid if I don't pay a fee?
The lender pays us. An upfront commission arrives on settlement and a trail commission continues while the loan runs, neither of which comes from your pocket or changes what your loan costs you.
Do you get paid more for recommending certain lenders?
Commission levels do vary between lenders, and we disclose the exact figure for every option in writing before you choose. Variations are modest, and our written reasoning shows why the shortlist is the shortlist.
What happens if I have a complaint?
Raise it with us first and we will respond within the timeframes in our credit guide. If it stays unresolved, you can take it to AFCA, the free external dispute resolution scheme, and we will tell you how.
How many lenders can you actually access?
We work across a panel of lenders covering the major banks, regionals and non-banks. The panel is genuinely wide, but no panel reaches every lender in the market, and we will say plainly if your situation suits one outside it.
Mortgage broker for Killara and the suburbs around it
Get in Touch
If the plain-English approach on this page is what you have been looking for, book a free, no-obligation strategy call with Your Mortgage Broker Killara or call (02) 9072 0649 today, and find out what you can genuinely borrow before you attend another open home.