About us
About Your Mortgage Broker Glenhaven
Your Mortgage Broker Glenhaven is a mortgage broking business serving Glenhaven and the wider Hills district, arranging home loans through a panel of lenders under the licence and accountability structure set out on this page.
Why We Started a Broking Business in Glenhaven
Borrowers here earn well, hold large mortgages and routinely get slotted into generic bank products built for average suburbs. Glenhaven deserves advice built around acreage, big family homes and business income, not a branch script.
Who You Actually Deal With
This page exists so you can check exactly who is accountable, before you hand over anything personal:
The Broker on File
You will deal with Your Mortgage Broker Glenhaven directly, a credit representative who takes personal responsibility for every single recommendation made on your lending file, from the first call through to settlement, with fees disclosed in writing and the process published clearly.
Local Files, Local Patterns
Glenhaven files bring particular patterns: acreage purchases with irregular boundaries, large family homes needing construction or renovation funding, and household incomes at the ninetieth percentile for the state, and Your Mortgage Broker Glenhaven has placed each of these structures with appropriate lenders.
No Handoffs, Ever
Every stage from the first strategy conversation through lodgement, credit team negotiation, valuation and settlement is handled by the same person, so nothing gets lost in a handoff queue and nobody has to re-explain your position to a stranger twice.
How We Get Paid, in Plain English
Most people assume a broker must cost them something, and almost nobody in this industry explains the money honestly. Here is the whole picture:
Upfront commission
Trail commission
When a fee could apply
Now the uncomfortable part, because it deserves naming rather than denying: commission rates vary a little between lenders, so a broker could earn slightly more by placing your loan with one lender over another. The way we manage that conflict is structural. Every recommendation comes with the reasoning in writing, including the alternatives considered and the exact figures on each, so you can see the decision was made on the loan's merits, not the payout.
And the honest trade-off on whether using a broker is worth it: a panel, however wide, is still not every lender in the Australian market. If your situation genuinely suits a lender outside our panel, we will tell you at the strategy call rather than lodge a file we know is second-best. What a panel buys you is comparison across credit policies that no single branch can offer, plus someone accountable for the placement.
Our Licence and Accreditations
Trust in this industry should be checkable, so here are the actual registrations behind the business:
Australian Credit Licence
The licensee behind this business, [LICENSEE NAME], holds Australian Credit Licence 389328 issued by ASIC, which authorises the arranging of home loans and credit assistance under the National Consumer Credit Protection Act, and that authorisation covers everything we do.
Credit Representative Status
As a credit representative, 370592 sits on the licence register against [LICENSEE NAME], which means the licensee carries legal responsibility for the advice given, audits the files, and remains accountable to ASIC for the conduct of this Glenhaven business.
How We Operate
This business operates as a credit representative, with its number 370592 and Australian Credit Licence 389328 published in the footer. Fees are disclosed in writing, the process is published, and you can check these details before any application.
AFCA Membership
Should anything go wrong, this business holds current membership of the Australian Financial Complaints Authority, an external dispute resolution body that can hear consumer complaints about credit assistance free of charge, and the member number appears in the credit guide.
How We Work With You
A single strategy call establishes your position, then we map the structures and lenders that fit, disclose our payment in writing, and manage the application through to settlement. You approve each decision, and nothing proceeds without your sign-off.
Areas We Service
Your Mortgage Broker Glenhaven is based in Glenhaven and services the surrounding Hills district, including Kenthurst, Dural, Castle Hill, Kellyville and Annangrove, along with the rest of The Hills Shire. Wherever the property sits, the service and the accountability stay the same.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Glenhaven?
Your Mortgage Broker Glenhaven, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. There is no call centre and no franchise head office between you and the person making the recommendation.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under [LICENSEE NAME], which holds Australian Credit Licence 389328, authorising us to provide credit assistance and arrange loans under the NCCP Act.
How do you get paid if I don't pay a fee?
The lender you settle with pays an upfront commission when your loan settles, then a smaller trail commission each month the loan stays with them. Neither comes from your pocket or changes your repayments.
Do you get paid more for recommending certain lenders?
Commission rates vary a little between lenders, which is a genuine conflict we name rather than deny. We manage it by putting the reasoning, numbers and alternatives behind every recommendation in writing before you decide.
What happens if I have a complaint?
Raise it with us first and we will respond in writing. If you are not satisfied, you can take it to the Australian Financial Complaints Authority, which resolves credit disputes free of charge.
How many lenders can you actually access?
We work across a panel of lenders covering the major banks, smaller banks and non-bank lenders. The exact panel is disclosed in your credit guide, and we will tell you if your situation suits none of them.
Mortgage broker for Glenhaven and the suburbs around it
Get in Touch
The next step is a conversation, not a commitment. Call (02) 9072 0647 to book a strategy call with Your Mortgage Broker Glenhaven, ask the questions this page has not answered, and see your real position before deciding anything.