About us
About Your Mortgage Broker Curtin
Your Mortgage Broker Curtin is a mortgage broking practice serving Curtin and the wider Woden Valley, built around a named broker, published fees and a published process, because a business without a trading history should still have to earn your trust with verifiable facts.
Why We Started a Broking Business in Curtin
Ring a bank about a loan in Curtin and you get one policy, one appetite and one attempt, then a decline weeks later with no explanation. This practice was started so local borrowers would have somewhere else to take the same question, and someone accountable for the answer.
Who You Actually Deal With
You deal with a person, not a brand promise. The details below are the ones a new practice should be able to state plainly, and we would rather you read them here than have to ask:
The broker on the file
Your file sits with Your Mortgage Broker Curtin, the accountable broker from first call to settlement, who works within the credit licence published in our footer, specialising in structuring loans for Woden Valley buyers whose income or property defies a standard template.
Local experience that shapes the file
Curtin presents particular patterns, from a median household mortgage repayment of about $2,600 a month to established four bedroom homes being renovated rather than replaced, and every one of those patterns changes which lender policy actually fits the file best.
One person from start to finish
Nothing gets handed off once you engage us, because the person who takes your first call also builds your strategy, lodges the application, chases the valuations and rings you after settlement to check that everything still matches your original plans.
How We Get Paid, in Plain English
Most people never see how broking is paid, and the silence is exactly why two of the most common questions on this topic are sceptical ones. Here is the whole structure:
Upfront commission
Trail commission
Who pays it
Fees
Now the uncomfortable part, because denying it would be worse than naming it: commission sizes vary a little between lenders, which is a genuine conflict of interest. Our answer to it is not a disclaimer, it is the reasoning behind every recommendation put in writing, so you can see why a particular lender suited your file and push back on any part of it.
Is it worth using a broker at all? If your situation is straightforward and one bank's policy fits it neatly, probably yes but not dramatically so. If your income, deposit or property plans sit anywhere outside the standard template, the value is in the panel: any panel, however wide, is still not every lender in the market, and knowing where its edges are is part of the advice.
Our Licence and Accreditations
Numbers beat adjectives when a brand has no history to lean on, so every figure that verifies who authorises our work is published here rather than described:
The licence behind the practice
Credit assistance may only be provided under an Australian Credit Licence, and Your Mortgage Broker Curtin operates as a credit representative authorised under Australian Credit Licence 389328, a licence held by [LICENSEE NAME] covering all the lending work described across this site.
Our credit representative number
Being a credit representative means our authorisation carries a number of its own, recorded as credit representative number 370592, and that number ties every conversation and document back to the licensee who supervises and audits the advice we give.
Our Published Standards
Accountability at Your Mortgage Broker Curtin rests on published standards. As a credit representative, we publish our process, disclose fees in writing, and the same broker handles your file from first call to settlement, so you always know exactly who answers your questions.
External dispute resolution
Complaints go somewhere real rather than nowhere, because Your Mortgage Broker Curtin and the licensee behind it both hold membership of the Australian Financial Complaints Authority, the independent external dispute resolution body that can review a consumer complaint and issue a binding determination.
How We Work With You
The process is the same for every client: a free first conversation, a written capacity assessment, lodgement of a complete application, and a review after settlement. Each stage has a defined output, so you always know where your file stands and what happens next.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Curtin?
It is run by Your Mortgage Broker Curtin, a credit representative authorised under Australian Credit Licence 389328, held by [LICENSEE NAME]. The brand operates under that licence, and every obligation sits with the licensee named above.
Are you licensed to arrange home loans?
Yes, as a credit representative under Australian Credit Licence 389328, with credit representative number 370592 recorded against that authorisation. Both numbers are published here so you can verify them before committing to anything.
How do you get paid if I don't pay a fee?
The lender pays a commission when your loan settles and a smaller trail commission while the loan runs. Neither comes out of your pocket, and any fee on a complex file is disclosed upfront in writing.
Do you get paid more for recommending certain lenders?
Yes, commission varies a little between lenders, and pretending otherwise would be dishonest. We put the reasoning behind every recommendation in writing, so you can see the whole comparison and question any part of it.
What happens if I have a complaint?
Start with us directly and we will fix what we can. If you remain unhappy, escalate to the Australian Financial Complaints Authority, an independent body whose determination binds us, at no cost to you.
How many lenders can you actually access?
We access a panel of lenders including major banks, smaller banks and non-bank lenders, and the count shifts as lenders join or leave. We confirm the current panel in your first conversation rather than quoting a figure that ages.
Mortgage broker for Curtin and the suburbs around it
Get in Touch
Ring (02) 9072 0640 to talk through your situation with Your Mortgage Broker Curtin directly. The discussion is free, commits you to nothing, and gives you an honest read on your position whether or not you decide to take it further.