About us
About Your Mortgage Broker Campbellfield
Your Mortgage Broker Campbellfield is a mortgage broking business serving Campbellfield and the northern suburbs of Melbourne, built around one licensed credit representative, a published fee position, and a process you can read before you commit to any of it.
Why We Started a Broking Business in Campbellfield
Borrowers here were ringing three banks, getting three different policy answers, and booking leave to attend each appointment. Your Mortgage Broker Campbellfield started so one call could do what those three could not: honest comparison across a panel of lenders.
Who You Actually Deal With
The trust problem with broking brands is that the logo never answers the phone. This one does, and the person behind it is named and credentialed below rather than hidden behind a brand:
Your Mortgage Broker Campbellfield is the credit representative behind Your Mortgage Broker Campbellfield. That one person signs the licence paperwork, answers the phone, and carries the file personally, from first call through to settlement. The representative number 370592 and Australian Credit Licence 389328.
Files from this pocket of Melbourne's north bring familiar patterns, including self-employed income, family guarantors and modest deposits against a median household mortgage repayment of about $1,600 a month, so the first conversation starts from working knowledge rather than guesswork.
There is no handoff at any point, because the person who hears your situation on the first call also assembles the documents, argues the case with the lender and rings you personally at settlement, removing the telephone guessing game entirely.
How We Get Paid, in Plain English
Most broking businesses are vague about money, and vagueness is exactly what makes borrowers suspicious, so here is the whole arrangement with nothing left in the drawer:
Upfront commission
Trail commission
A fee, occasionally
Now the honest part most competitors skip: commission rates differ a little between lenders, so two similar loans can pay this business different amounts. That is a genuine conflict, and naming it beats denying it. Every recommendation therefore arrives with written reasoning, the lender chosen, the structure, the alternatives considered and why they lost, so the decision is yours to check rather than ours to defend.
Is a broker worth using at all? The trade-off is that any panel, however wide, is still not every lender in the market, and going direct to a bank skips commission but also skips comparison. What broking actually sells is time, policy knowledge across the panel, and a complete file the first time, which matters most where income, deposit size or credit history make the case unusual.
Our Licence and Accreditations
Trust claims are cheap, licence numbers are not, so here are the four registrations that authorise this business, stated as numbers you can independently verify rather than described in reassuring language:
Credit activities are authorised through an Australian Credit Licence, number 389328, held by [LICENSEE NAME], and the licence itself is the legal foundation for everything arranged here, so you can verify it on the public registers maintained by ASIC.
Your Mortgage Broker Campbellfield operates as a credit representative of [LICENSEE NAME], number 370592, so every loan arranged here runs under that licensee's supervision, its policies and its obligations, and the whole arrangement sits on an independent public register you can check.
Operating as a credit representative numbered 370592 under Australian Credit Licence 389328, published in the footer. The same accountable broker handles your file from first call to settlement, fees are disclosed in writing and the process is published.
Unresolved complaints go to the Australian Financial Complaints Authority, of which the licensee is a member under [AFCA MEMBER NUMBER], a free and independent service able to make binding determinations, so the dispute pathway never ends with this business alone.
How We Work With You
Everything on this page, the licence, the commission position and the reasoning standard, applies to every file the same way. The next step is a conversation about your situation, which costs nothing and commits you to nothing.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Campbellfield?
It is run by Your Mortgage Broker Campbellfield, a credit representative of [LICENSEE NAME] under credit representative number 370592. There is no franchise layer, no call centre and no outsourced processing between you and the person doing the lending work.
Are you licensed to arrange home loans?
Yes. The authority comes from an Australian Credit Licence held by [LICENSEE NAME], number 389328, under which Your Mortgage Broker Campbellfield acts as a credit representative, and both registrations appear on ASIC's public registers for you to confirm.
How do you get paid if I don't pay a fee?
The lender pays a commission when your loan settles, then a smaller trail commission while the loan keeps running. Neither comes out of your pocket, neither changes your rate, and any exception is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes the commission differs a little between lenders, which is a real conflict and worth naming. The answer is written reasoning: every recommendation comes with why that lender, why that structure, and what the alternatives were.
What happens if I have a complaint?
Raise it with us first and it gets a direct answer. If it is not resolved to your satisfaction, the licensee is a member of the Australian Financial Complaints Authority, a free independent dispute service that can make binding determinations.
How many lenders can you actually access?
The panel covers major banks, non-bank lenders and smaller specialists, and the honest limit is that a panel, however wide, is not every lender in the market. The current list appears in the Credit Guide.
Mortgage broker for Campbellfield and the suburbs around it
Get in Touch
If you want the licence, the commission and the reasoning all in writing before you commit to anything, that is exactly how this business operates. Call (03) 9122 8522 during business hours, or leave a message and Your Mortgage Broker Campbellfield will return your call the same working day.