About us
About Your Mortgage Broker Dalkeith
Your Mortgage Broker Dalkeith is an independent mortgage broking business serving Dalkeith and the surrounding western suburbs of Perth, built around one named broker, a published fee structure and a lending process you can read before you commit to anything.
Why We Started a Broking Business in Dalkeith
Borrowers here earn strong incomes and carry large loans, yet too many were declined on policy technicalities by branches with one product set. That gap between good borrowers and rigid credit policy is why this business exists.
Who You Actually Deal With
This business is a person before it is a brand, and the points below set out who holds your file, what they have done and how the relationship runs from first call to settlement.
The Broker On File
Your Mortgage Broker Dalkeith handles your file from first call to settlement, specialising in complex income, refinancing and the detailed assessment work that so often decides final approvals, so you always deal with one consistent, accountable person throughout the entire lending process.
Local Case Experience
Local files look different here, where a median mortgage repayment runs near five thousand dollars a month and four-bedroom houses dominate, your broker brings deep experience with jumbo loans, refinancing big balances and the lending policies that suit riverside suburbs.
Direct Access, No Handoff
Every conversation happens directly with the person named above, from the first strategy call through lodgement, follow-up and settlement, and there is no call centre, no file handoff to a junior and no moment where you repeat your story twice.
How We Get Paid, in Plain English
Most people never ask how the money works, so here it is written down before you commit to anything. Three income sources are possible on a residential file, each disclosed in your credit guide before you sign:
Upfront commission
Trail commission
A fee to you
Now the uncomfortable part, named rather than denied: commission sizes differ slightly between lenders, which creates a genuine conflict, since a broker could steer a file towards the lender that pays more. Our answer is structural. Every recommendation is put in writing, naming the options considered, the policy reasons and the commission attached, so you can see and challenge the reasoning.
Is it worth using a broker at all? Any panel, however wide, is not every lender in the market, and a branch is not even its own lender's full range. What a broker adds is policy knowledge across many lenders, application work you do not do, and a written record behind every choice. That is the value, stated plainly.
Our Licence and Accreditations
A quick win for anyone reading this page: every claim below is checkable before you share a document, because lending in Australia runs on published licence records, association registers and a complaints scheme.
Credit Licence Status
Credit assistance in Australia is regulated under the National Consumer Credit Protection Act, and Your Mortgage Broker Dalkeith operates as a credit representative of [LICENSEE NAME], which holds Australian Credit Licence 389328 and carries responsibility for conduct of every loan arranged here.
Credit Representative Status
Representation matters more than branding, so our credit representative number is 370592, registered against the licence above, which means you can verify our authorisation independently before you share a single document with us or commit to anything at all.
Our Accountability
The broker who handles your file stays with you from the first call to settlement. This business is a credit representative, with number 370592 and Australian Credit Licence 389328 published in the footer, and fees disclosed in writing.
AFCA Membership
Australian Financial Complaints Authority membership gives every client a free and independent external dispute path, our member number is published in our credit guide, and complaints can be lodged with AFCA directly at any stage without asking our permission first.
How We Work With You
The first conversation is about where you are heading, capacity is tested against real lender policy, options are presented in writing, and the application is lodged and tracked through to settlement.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Dalkeith?
Your Mortgage Broker Dalkeith is run by Your Mortgage Broker Dalkeith, operating as a credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME]. The business is an independent broking operation, not a lender, a bank or a comparison service.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328 as credit representative 370592, which authorises us to provide credit assistance under the National Consumer Credit Protection Act. Our authorisation can be verified independently at any time.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement and a small trailing commission while your loan runs. Neither comes out of your pocket and neither changes your rate. Any fee on a complex file is stated in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts do vary a little between lenders, and we will not pretend otherwise. What protects you is the reasoning: every recommendation is put in writing with the options considered and why the chosen lender fits your situation.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are not satisfied, you can take the matter to the Australian Financial Complaints Authority, a free and independent external dispute resolution service, at any stage.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional lenders and specialist providers. The exact composition changes as lenders enter and exit, so we state it accurately in your credit guide rather than rounding it up on a website.
Mortgage broker for Dalkeith and the suburbs around it
Get in Touch
Call (08) 6311 4005 for a free strategy session with Your Mortgage Broker Dalkeith, or start with the first home owner grant page if buying your first place. The licence details above are yours to verify first.