About us
About Your Mortgage Broker Eatons Hill
This page explains who stands behind Your Mortgage Broker Eatons Hill, how the business earns its income, which licences cover the work, and what happens if something goes wrong, because a borrower should be able to verify all four before engaging anyone.
Why We Started a Broking Business in Eatons Hill
Buyers around Eatons Hill kept telling us the same story: they ring their own bank, receive one inflexible answer, and assume that is all the market offers. We started this business because that answer is almost never the whole picture.
Who You Actually Deal With
Trust on these pages comes from a named person with checkable credentials, not a logo, and that person is:
The Broker on File
Your Mortgage Broker Eatons Hill is the representative who fronts this business directly, and that name appears on every document you will sign with us, from the first call through to settlement, with the representative number and licence details published in our footer.
Local Files, Not Textbook Ones
Files from this corner of Moreton Bay fill our working week, from family homes in Eatons Hill to first purchases over the border in Warner, so the lending questions arriving on our desk are ones we already know and recognise.
No Call Centre, No Handoff
When you ring, you speak with the person writing your application, not a call centre queue, and when a lender asks a question about your file, the answer comes straight from the broker who actually built it, never a handover.
How We Get Paid, in Plain English
Most people assume a broker must be free because someone generous is involved somewhere. Here is the actual arrangement, stated once and stated fully:
Upfront commission
Trail commission
A fee, in some cases
None of this is hidden. Our credit guide, given to you before any application begins, sets out the commission structure and anything you might ever pay us.
Now the uncomfortable part. Commission amounts vary slightly between lenders, which means a conflict of interest genuinely exists, and pretending otherwise is exactly why people distrust brokers. We handle it one way: the reasoning behind every recommendation goes in writing, so you can test it, question it or reject it. Is it worth using a broker at all? The honest trade-off is that any panel, however broad, is still not every lender in Australia. What you gain is policy knowledge, structuring help and one accountable person whose name is on the paperwork, weighed against that gap.
Our Licence and Accreditations
Everything that authorises this work, stated as numbers you can verify yourself:
Australian Credit Licence
Broking credit assistance in Australia requires an Australian Credit Licence, and ours operates under [LICENSEE NAME], licence number 389328, a number you can verify yourself on the ASIC professional registers before you share a single financial document with us.
Credit Representative Status
Your Mortgage Broker Eatons Hill trades as a credit representative under that licence, carrying representative number 370592, which means every recommendation we make happens inside a licensed, supervised framework with conduct obligations owed to you as the borrower rather than to any lender.
Standards And Accountability
The practice works to a published code of conduct, keeps its knowledge current through ongoing education and follows a dispute resolution process that sits alongside the statutory protections described elsewhere on this page, so you know how concerns are handled.
AFCA Membership
We hold membership of the Australian Financial Complaints Authority, so if you ever disagree with something we have done, you can take the dispute to an independent, free external body rather than depending on us to judge our own conduct.
How We Work With You
From the first conversation to the review after settlement, you deal with the same broker at every step, and every recommendation arrives with its reasoning attached, so you can see exactly why one lender suited your situation better than the rest.
Where we work
Areas We Service
We work with borrowers across Eatons Hill and the wider City of Moreton Bay, including Warner, Brendale, Albany Creek, Bunya, Draper and Clear Mountain, along with anyone in the 4037 postcode area.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Eatons Hill?
Your Mortgage Broker Eatons Hill is owned and operated by Your Mortgage Broker Eatons Hill, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The name on the licence is the name you deal with.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, authorised under licence 389328 held by [LICENSEE NAME], and you can verify both numbers on the ASIC professional registers before sharing any documents.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles, and usually a smaller trail commission while the loan runs. Neither comes out of your pocket, and any fee we would charge you is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, and it is a genuine conflict we name rather than deny. Commission amounts vary a little between lenders. We manage it by putting the reasoning behind every recommendation in writing, so you can check the logic yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you remain unsatisfied, you can escalate free of charge to the Australian Financial Complaints Authority, an independent external dispute resolution body of which we are a member.
How many lenders can you actually access?
We work with a panel of lenders covering major banks, smaller non-banks and specialist lenders. We deliberately avoid quoting a number, because panels change and an inflated count is a poor substitute for matching the right lender to your file.
Mortgage broker for Eatons Hill and the suburbs around it
Get in Touch
Ready to talk through your lending plans? Call (07) 3523 7109 for a free, no-obligation conversation with the broker who will handle your file from start to finish, or send your questions through and we will come back to you promptly.