About us
About Your Mortgage Broker Coogee
Your Mortgage Broker Coogee is a mortgage broking practice serving Coogee and the wider City of Cockburn, operating as a credit representative under an Australian Credit Licence. This page sets out who you deal with, how we earn our income and what you can independently verify.
Why We Started a Broking Business in Coogee
Walk into a bank and you hear one lender's policy; walk away and you will never know whether another would have said yes. Borrowers here deserve someone whose job is finding the right fit, not selling one institution's product.
Who You Actually Deal With
Trust in lending comes from knowing the person, not the logo. Your Mortgage Broker Coogee is built around one accountable credit representative rather than a rotating roster, so the individual who takes your first call also structures your loan, chases the valuation and reviews your position after settlement. Three things about that person:
The Broker on File
Your file is handled by Your Mortgage Broker Coogee, a credit representative of a licensee holding an Australian Credit Licence, published in the footer. The broker manages purchases, refinances and self-employed applications from first call to settlement for households across Western Australia.
Local Files, Local Knowledge
Local files carry their quirks, from Cockburn growth corridors to established streets near the coast, and Your Mortgage Broker Coogee has worked cases involving family guarantees, bridge purchases and business income across our suburbs, with familiar situations assessed from experience, not guesswork.
Direct Access, No Handoff
From the first conversation to post-settlement review, you deal directly with the same person, and calls or emails reach them rather than a call centre queue, which means questions about your application are answered by the person who assessed them.
How We Get Paid, in Plain English
Most people never ask how a broker earns, and that silence breeds suspicion, so the whole arrangement sits on this one screen.
Upfront commission, paid by the lender once
Trail commission, paid while the loan runs
Neither payment changes your rate
A fee is possible on unusual files
Now the part most brokers gloss over: commission amounts vary a little between lenders, which creates a genuine financial conflict. The answer is a process, not a denial: every recommendation arrives with its reasoning and commission disclosed in writing, so any influence sits in the open.
Is it worth using a broker? Usually yes: the standard case costs you nothing and buys a search across a panel of lenders instead of one policy. The honest limit is that no panel covers every lender, and knowing that trade-off lets you decide with both eyes open.
Our Licence and Accreditations
You should not have to take a broker's word about credentials, and with the details below you do not have to. Four facts, each carrying a number you can look up yourself:
Credit Licence Status
Lending activity here operates under Australian Credit Licence 389328, held by [LICENSEE NAME], the licensee responsible for the credit assistance provided, and that licence number appears on every credit guide so you can verify it against ASIC's public register.
Credit Representative Status
As a credit representative under that licence, Your Mortgage Broker Coogee holds credit representative number 370592, recorded on the professional registers lookup, and that authorisation means every piece of advice and every loan application submitted is supervised under the licensee's compliance arrangements.
How We're Held Accountable
The practice operates as a credit representative, with number 370592 and Australian Credit Licence 389328 published in the footer, bound by the NCCP Act, with obligations including a code of conduct, continuing education requirements and an ethics framework.
AFCA Membership
Complaints have an independent pathway through membership of the Australian Financial Complaints Authority, a free external dispute resolution service listed in the credit guide, so an unresolved internal complaint can always be taken further at no cost whatsoever to you.
How We Work With You
The process is published, not improvised: a first conversation about your position, a comparison across the panel of lenders, a written recommendation, then lodgement, settlement and a review the following year. You will always know which stage you are in and what happens next.
Areas We Service
Coogee sits at the centre of our service area, which runs through Spearwood, Lake Coogee, Henderson and North Coogee across the City of Cockburn; each suburb has its own guide on this site.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Coogee?
The practice is operated by Your Mortgage Broker Coogee as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME]. Ownership and authorisation details appear in the credit guide you receive at the first meeting.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Coogee holds credit representative number 370592 under Australian Credit Licence 389328, which authorises credit assistance for home loans, and you can verify both numbers on ASIC's professional registers.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays us a commission, upfront on settlement and a smaller trail while it runs, and we disclose both amounts in writing before you sign anything.
Do you get paid more for recommending certain lenders?
Sometimes, yes, because commission amounts vary between lenders. Rather than deny it, we disclose the commission and the reasoning behind every recommendation in writing, so any influence is visible.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it cannot be resolved internally, you can take it to the Australian Financial Complaints Authority, a free and independent dispute resolution service our membership covers.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional banks and non-bank lenders, set out in full in our credit guide. We do not quote a figure until the licensee confirms it.
Mortgage broker for Coogee and the suburbs around it
Get in Touch
If you would rather talk it through, phone (08) 6311 4005 and ask for Your Mortgage Broker Coogee directly; the first conversation is free, carries no obligation, and leaves you with a clear picture of your borrowing position either way.