About us
About Your Mortgage Broker Bullsbrook
This page sets out plainly who Your Mortgage Broker Bullsbrook is, how we earn our income, what licence authorises our work and what you can hold us to, because a new business earns trust through disclosure rather than promises.
Why We Started a Broking Business in Bullsbrook
Households here pay a median mortgage repayment of about $1,950 a month, and too many were taking the first number a single bank offered as the final word on their borrowing, which is the problem this business exists to fix.
Who You Actually Deal With
Trust has to come from specifics for a business this new, so meet the person who will actually handle your loan from the first call to settlement. Every application under this brand is prepared and managed by one named broker, and the three points below explain who that is:
The Broker on File
Your application is handled by Your Mortgage Broker Bullsbrook from first call to settlement, so the person you first speak with is the same person who structures, lodges and settles your loan, with fees disclosed in writing and the whole process published.
Local Lending Experience
Local experience means knowing how lenders treat semi-rural blocks, well water, outbuildings and acreage zoning, because Bullsbrook properties regularly trip standard bank checklists, and a file prepared with those quirks in mind from day one moves through assessment without delay.
Direct Access, No Handoff
There is no call centre and no handoff between teams, which means questions get answered by someone who already knows your file, documents are chased once rather than repeatedly, and nothing about your application is lost in translation between departments.
How We Get Paid, in Plain English
Here is the question most broker websites dodge: if you are not paying us, who is? The three income streams, plainly:
Upfront commission
Trail commission
Client fees
Neither commission comes out of your pocket, and neither changes the rate you are offered, because lenders price loans on the assumption that distribution costs exist either way. Commission is not identical across every lender, which is a genuine conflict of interest, and we name it rather than deny it. Our answer is to put the reasoning behind every recommendation in writing: which lenders were considered, what they offered, and why the suggested one suited your circumstances.
Is a broker worth using at all? The honest trade-off is that a panel, however wide, is still not every lender in the market, so a bank with a niche product may sit outside it. What you gain is policy knowledge across the panel, one accountable person on your file and written reasoning for every recommendation, and with both sides stated you can weigh the decision yourself.
Our Licence and Accreditations
Trust in lending starts with verifiable numbers rather than adjectives, so this section states ours in full. Every identifier below can be checked against a public register before you hand over anything personal. Here is what authorises our work, in order:
Australian Credit Licence
Your Mortgage Broker Bullsbrook operates as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], which means every piece of credit assistance we provide is conducted under a real licence with real obligations that the regulator monitors and enforces.
Credit Representative Status
Our credit representative number is 370592, recorded against [LICENSEE NAME] and publicly checkable, so before you share a single financial detail you can verify first who authorises our work and confirm the arrangement matches what this page tells you.
A Published Standard
As a credit representative, Your Mortgage Broker Bullsbrook operates under the Australian Credit Licence 389328 shown in our footer, works to a published code of practice, and handles your loan file from first call to settlement, with fees disclosed in writing.
AFCA Membership
Membership of the Australian Financial Complaints Authority means that if you disagree with an outcome and cannot resolve it with us directly, an independent, free external disputes scheme can examine the matter, a protection the law requires and you deserve.
How We Work With You
From the first conversation to settlement and the annual check-in afterwards, the process is published, the timelines are stated and the same person stays on your file. You will always know what happens next and who is doing it.
Where we work
Areas We Service
Based in Bullsbrook, we service Lower Chittering, Julimar, Gidgegannup, Upper Swan, Brigadoon and Melaleuca, along with the wider City of Swan, so the same broker and process apply when you are buying, building or refinancing nearby.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Bullsbrook?
Your Mortgage Broker Bullsbrook is operated by Your Mortgage Broker Bullsbrook as a credit representative of [LICENSEE NAME], the licensee holding the Australian Credit Licence, which provides the oversight, compliance and lender accreditations behind every file.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], with our own representative number, 370592, recorded and checkable on the public register.
How do you get paid if I don't pay a fee?
The lender pays us commission: an upfront amount at settlement and a smaller trail amount while the loan runs. Neither comes from your pocket, and any possible client fee is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, yes, commission varies between lenders, and pretending otherwise would be dishonest. We manage that conflict by putting our reasoning in writing: which lenders were assessed and why the recommendation suits your circumstances.
What happens if I have a complaint?
Raise it with us first and we will respond in writing. If it is not resolved to your satisfaction, you can take it to the Australian Financial Complaints Authority, an independent external disputes scheme.
How many lenders can you actually access?
We work with a panel covering major banks, non-bank lenders and smaller specialists, with the current count stated in our credit guide rather than rounded up. No panel covers every lender, and we say so.
Mortgage broker for Bullsbrook and the suburbs around it
Get in Touch
Call (08) 6311 4005 or request a free strategy session, and we will start with your numbers rather than a sales pitch, and tell you honestly if a broker is not what your situation needs.