About us
About Your Mortgage Broker Cecil Hills
Your Mortgage Broker Cecil Hills is a mortgage broking business serving Cecil Hills and the surrounding suburbs of south west Sydney. This page sets out who we are, how we are licensed, how we are paid and what you can hold us to.
Why We Started a Broking Business in Cecil Hills
Buying here is a serious financial commitment: households carrying a mortgage in this suburb pay a median of about $2,167 a month, and most people face that commitment after one rushed conversation at a single bank branch, hearing one product range.
Who You Actually Deal With
The strongest thing a new business can offer is a name and a number you can check, so here is exactly who fronts this licence and what they bring to your application.
The Broker on Record
Your Mortgage Broker Cecil Hills is the accountable broker for your file, from first call through to settlement, and operates as a credit representative number 370592 under Australian Credit Licence 389328 held by [LICENSEE NAME], whose details appear in the footer.
Local Lending Experience
Loans in Cecil Hills tend to be substantial, with households here paying a median of about $2,167 a month, and Your Mortgage Broker Cecil Hills structures applications around those figures, including family pledge arrangements and construction funding that is common across this postcode.
Direct Access, No Handoff
When you call, you speak with Your Mortgage Broker Cecil Hills directly, not a call centre or a queue, and the person who assesses your situation is the same person who lodges the file, chases the lender and answers your questions at settlement.
How We Get Paid, in Plain English
Most people never ask how a broker makes money, and the ones who do ask usually get a vague answer. Here is the complete picture, with nothing left out.
Upfront commission
Trail commission
Your rate is unchanged
Fees in unusual cases
Now the uncomfortable part. Commission levels vary a little between lenders, which means there is a genuine financial conflict in any commission model. We would rather name it than deny it, so the reasoning behind every recommendation goes to you in writing, comparing the options side by side.
Is it worth using a broker at all? The honest trade-off is that any panel, however wide, is still not every lender in the market. What you gain is policy comparison across many lenders at once, at no cost to you for standard home loans, with the conflict disclosed rather than hidden.
Our Licence and Accreditations
Every claim on this page is checkable, and the four credentials below are the most important ones, each stated with its actual number so you can verify them independently.
Australian Credit Licence
[LICENSEE NAME] holds Australian Credit Licence 389328, issued by the Australian Securities and Investments Commission, which authorises the licensee to engage in credit activities under the National Consumer Credit Protection Act, and every representative acts directly under that authority.
Credit Representative Status
Your Mortgage Broker Cecil Hills trades as a credit representative of [LICENSEE NAME], registered under representative number 370592, which means the conduct, the advice and the documents you receive all sit inside a supervised licensing framework rather than outside it, with ongoing supervision.
How We Work
The process this business follows is clearly published, so you can see exactly how your loan is handled from the first call to settlement. If something goes wrong, you have a complaint path beyond the business itself, an independent backstop.
AFCA Membership
The business and its licensee hold membership of the Australian Financial Complaints Authority, so if a dispute about our credit assistance cannot be resolved directly, you can escalate it to an external scheme at no cost to you as complainant.
How We Work With You
Everything starts with a free strategy call covering your goals, deposit and timeline, then moves to written options, a fully managed application and a loan review after settlement, so the relationship continues long after the money lands.
Areas We Service
Your Mortgage Broker Cecil Hills works with borrowers across Cecil Hills and the neighbouring suburbs of Abbotsbury, Edensor Park, Bonnyrigg Heights, Green Valley, Elizabeth Hills and Middleton Grange, all within the City of Liverpool, with the same process and the same direct access to Your Mortgage Broker Cecil Hills.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Cecil Hills?
Your Mortgage Broker Cecil Hills owns and runs the business, operating as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME]. It is a local broking practice, not a lender or a franchise call centre.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328 held by [LICENSEE NAME], as a registered credit representative, and we hold AFCA membership, which means our credit assistance is regulated and externally dispute-resolvable.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles and a smaller trailing commission while the loan runs. Neither comes out of your pocket, and neither changes the rate attached to your loan.
Do you get paid more for recommending certain lenders?
Commission levels vary a little between lenders, and that is a genuine conflict worth naming. Our answer is to put the reasoning behind every recommendation in writing, comparing the options so you can see why one suited you.
What happens if I have a complaint?
Raise it with us first and we will work to resolve it directly. If it stays unresolved, you can take it to the Australian Financial Complaints Authority at no cost, under our licensee's AFCA membership.
How many lenders can you actually access?
We write loans across a panel of lenders covering major banks, non bank lenders and smaller specialists. We do not publish a count until the licensee confirms it, because an inflated panel claim is worse than an honest description.
Mortgage broker for Cecil Hills and the suburbs around it
Get in Touch
Call (02) 9072 0666 to book your free strategy call, or explore our Cecil Hills home loan services to see the full range first. There is no cost and no obligation, and the call ends with a clear picture of where you stand.