About us
About Your Mortgage Broker Mount Evelyn
This page sets out who we are, how we are licensed, how we are paid and what you can expect, because a borrower should be able to check all four before handing over financial documents.
Why We Started a Broking Business in Mount Evelyn
Too many local borrowers were taking one lender's first answer as the market's final word. With 55.5 per cent of local dwellings mortgaged, that single-lender habit costs this community real money, and it seemed fixable.
Who You Actually Deal With
The trust asset here is a person, not a brand. Your Mortgage Broker Mount Evelyn is new, so instead of asking you to take reviews on faith, we point to the individual who holds the accreditation, does the analysis and answers the phone. Below is who that person is and what dealing with them directly means. Three things matter most:
The Broker on File
Your loan is handled by Your Mortgage Broker Mount Evelyn, a credit representative under Australian Credit Licence 389328 published in the footer, so the person you meet on day one is the same accountable person who does the work through to settlement.
Local Files, Local Patterns
Families here carry a median household mortgage repayment of about $2,000 a month, and the files we see reflect it: refinances, first homes, equity draws and self-employed applications shaped by these hills properties and the particular way lenders read them.
No Handoff, Ever
There is no call centre, no junior handoff and no file passed between departments; you deal with the same broker from the first conversation through to settlement, and that person knows every detail of your application without checking a note.
How We Get Paid, in Plain English
Borrowers rarely pay us directly, but the mechanics deserve more than a footnote, because how a business earns shapes what it recommends. Here is the whole arrangement:
Upfront commission
Trail commission
Fees, when they apply
Commission amounts vary a little between lenders, so a broker could earn slightly more from one recommendation than another. We name that conflict rather than deny it. Every recommendation comes with its reasoning written down, including what was compared and why the winner suited you, so you can question it or take it elsewhere.
So is it worth using a broker? A panel, however wide, is still not every lender in the market, while a bank branch is exactly one lender. You exchange a small slice of the market for someone who reads credit policy across many lenders daily. The written reasoning lets you judge that exchange yourself.
Our Licence and Accreditations
Trust claims are cheap; licence numbers are checkable. Everything below can be verified on public registers in about five minutes, and we would rather you checked than took our word for it. Four credentials, each stated with its number:
Credit Licence Status
Credit assistance in Australia is regulated by law, and Your Mortgage Broker Mount Evelyn operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by ASIC, so every recommendation sits inside a supervised, auditable framework, never outside it.
Credit Representative Status
Our own credit representative number, 370592, is recorded against that licence, which means the specific individual assisting you is formally authorised, registered and accountable, and you can verify the arrangement yourself through the public ASIC registers before signing anything.
Standards and Complaints
If something goes wrong, you have somewhere to go. As a credit representative, number 370592, of a licensee holding Australian Credit Licence 389328, the same broker follows a published complaints and standards pathway sitting above the business itself.
AFCA Membership
Should a dispute arise and remain unresolved through our internal process, you can take it to the Australian Financial Complaints Authority, an independent external dispute resolution body, and our membership means that avenue is open to you at no charge.
How We Work With You
Knowing who we are is one thing; knowing what the first fortnight looks like is another. The rhythm is simple: a conversation about your position, a shortlist built from real lender policies, then preparation, lodging and chasing until settlement, plus a review after year one.
Where we work
Areas We Service
Your Mortgage Broker Mount Evelyn works with borrowers across Mount Evelyn and the surrounding Yarra Ranges, including Lilydale, Wandin North, Silvan, Kalorama and Montrose. If you are nearby and not listed, ask anyway; the hills are a small place and we cover them all.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Mount Evelyn?
Your Mortgage Broker Mount Evelyn is owned and operated by Your Mortgage Broker Mount Evelyn, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. No franchise head office; the person you deal with owns the outcome.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328, and our representative number is 370592. Verify it all on ASIC's public registers before we do anything.
How do you get paid if I don't pay a fee?
The lender pays us a commission when your loan settles, and a smaller trail commission while it runs. Neither comes out of your pocket or changes your rate. Any possible fee is stated in writing upfront.
Do you get paid more for recommending certain lenders?
Commission amounts vary slightly between lenders, and that is a genuine conflict we name rather than deny. Our answer is written reasoning behind every recommendation, so you can see exactly why a lender was suggested.
What happens if I have a complaint?
Raise it with us first and we respond promptly through our internal complaints process. If unresolved, you can escalate to the Australian Financial Complaints Authority, an independent body, at no cost to you.
How many lenders can you actually access?
We work across a panel of lenders covering major banks, regional banks, credit unions and non-bank lenders. But honesty requires saying no panel, however broad, includes every lender in the Australian market.
Mortgage broker for Mount Evelyn and the suburbs around it
Get in Touch
Ready to talk numbers? Call (03) 9122 8521 for a free conversation about your position, or send a question through and we will answer it plainly, no obligation attached. Either way, you get straight answers.