About us
About Your Mortgage Broker Hazelbrook
Your Mortgage Broker Hazelbrook is a mortgage broking service for Hazelbrook and the surrounding Blue Mountains villages, built around one named, credentialed broker, a published fee structure and a process you can hold us to at every stage.
Why We Started a Broking Business in Hazelbrook
Banks turned local borrowers into ticket numbers, declined workable applications on policy technicalities and never explained why, and watching that happen in a village where one honest answer can decide a house sale convinced us to build something better.
Who You Actually Deal With
Trust in lending starts with a named person whose credentials you can check, so here is exactly who fronts this business and what they bring:
The Broker on File
You deal directly with Your Mortgage Broker Hazelbrook, the same accountable broker who handles your file from the first call through to settlement. Licence details and contact information appear openly on this page, and fees are disclosed in writing before anything begins.
Local Case Experience
The lending questions around Hazelbrook are village questions: bushfire zoning, post-war construction, long commutes to Sydney and self-employed trades income, and Your Mortgage Broker Hazelbrook has handled each of these situations across the Blue Mountains, so local complications rarely arrive as surprises.
No Handoffs, Ever
Every conversation, document review and lender negotiation happens with the same person from first call to settlement day, no call centre, no junior handoff and no repeating your story, because accountability in lending works when one person owns the file.
How We Get Paid, in Plain English
Most borrowers never hear the full story of broker pay, and the silence breeds suspicion, so here it is without hedging. The mechanics are simpler than the industry makes them sound:
Upfront commission
Trail commission
No cost to you
Fees are possible, rarely
Now the uncomfortable part, because pretending it away helps nobody. Commission sizes vary a little between lenders, which is a genuine conflict of interest and we name it rather than deny it. Our answer is written reasoning: every recommendation comes with the policy and structure logic behind it, so you can interrogate the choice yourself. Is a broker worth it? A panel of lenders is still not every lender in the market, and that trade-off is real, but comparing policy across the panel beats guessing at one bank's rules.
Our Licence and Accreditations
Every number below is checkable by you independently, and we encourage exactly that before you share a single financial detail with anyone:
Credit Licence Status
Broking is credit assistance under National Consumer Credit Protection Act, which means Your Mortgage Broker Hazelbrook operates as a credit representative under the Australian Credit Licence 389328 held by [LICENSEE NAME], and every activity we perform sits inside that licence's authorised scope.
Credit Representative Status
Our credit representative number is 370592, recorded publicly against the licensee's register, so you can confirm our authorisation independently before sharing a single financial detail, and we encourage every prospective client to do exactly that check before engaging us.
How We Handle Complaints
Our process is published, and the same accountable broker handles your file from first call to settlement. If anything falls short, you have a complaints pathway beyond our internal handling, and our credit representative details are published in the footer.
AFCA Membership
Australian Financial Complaints Authority membership means an independent, free external dispute resolution body can review any complaint you raise about our service, a consumer protection many borrowers overlook, and our member number appears in the Credit Guide we hand you.
How We Work With You
The first conversation is a free strategy call where we map your position, name the realistic options and tell you honestly if none of them suit. From there, every stage has a published timeframe, and you always know what happens next.
Where we work
Areas We Service
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Hazelbrook?
Your Mortgage Broker Hazelbrook is owned and run by Your Mortgage Broker Hazelbrook, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. There is no franchise layer or call centre between you and the person doing the work.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], and our credit representative number is 370592. You can verify both independently before engaging us.
How do you get paid if I don't pay a fee?
Normally the lender pays us. Upfront commission arrives after settlement and trail commission continues while your loan runs, so our guidance and application work cost you nothing out of pocket, and any fee situation is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, and that is a genuine conflict we name rather than deny. Our answer is written reasoning: every recommendation comes with an explanation you can read, question and check against the alternatives.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, an independent and free external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks and non-bank lenders. The current list appears in our Credit Guide, which you receive at the first meeting, and it is updated regularly.
Mortgage broker for Hazelbrook and the suburbs around it
Get in Touch
Call (02) 9072 0647 for a free, no-obligation conversation about your loan, or send your questions through and Your Mortgage Broker Hazelbrook will answer them personally. You will get a straight assessment of your position, not a sales pitch, before you commit to anything.