About us
About Your Mortgage Broker Chapel Hill
Your Mortgage Broker Chapel Hill exists to give Chapel Hill borrowers something rare: a named, licensed person who explains the whole arrangement, including the money, before asking you to trust any of it.
Why We Started a Broking Business in Chapel Hill
This suburb is full of borrowers with strong incomes and complicated lives: contractors, medical professionals, business owners, renovators on large blocks. They kept hitting the same wall, one bank's credit policy applied by one branch employee with no explanation and no alternative.
Who You Actually Deal With
There is no brand behind this page, only people, so here is exactly who you get:
The broker on the file
Your file sits with Your Mortgage Broker Chapel Hill, a credit representative whose number 370592 and Australian Credit Licence 389328 appear in the footer, handling your application from first call to settlement rather than passing it through a call centre queue.
Local lending, locally read
Local experience matters here: Chapel Hill households carry a median mortgage repayment of about $2,427 a month, and Your Mortgage Broker Chapel Hill has worked with buyers, refinancers and renovators across these western suburbs whose incomes, deposits and property types look like yours.
No handoffs, ever
Every conversation happens directly with that one person, so questions get answered the same day, reasoning gets explained in plain terms, and nothing gets lost in a handover between a call centre, a processor and an unknown third party entirely.
How We Get Paid, in Plain English
Most people never ask how a broker is paid, which is strange given how much scrutiny bank fees attract, so here is the whole arrangement, including the part brokers usually skip.
Upfront commission
Trail commission
When a fee applies
The conflict we name
Is it worth using a broker at all? Here is the honest trade-off: any panel, however wide, is still not every lender in the market. What you gain in exchange is someone whose job is reading credit policy differences across that panel against your actual position, which is where applications are genuinely won or lost.
If the trail keeps our interest aligned with your loan staying well-matched for years rather than weeks, the structure works. And if you ever doubt the advice, ask for the reasoning in writing. A recommendation we cannot justify on paper is not one we should be making.
Our Licence and Accreditations
Anyone can claim credibility, but licence details can be checked in minutes, so here they are:
Credit licence status
Lending in Australia requires an Australian Credit Licence, and this business operates as an authorised credit representative under the licence held by [LICENSEE NAME], numbered 389328, which means the conduct behind every recommendation is regulated, documented and independently supervised.
Our representative number
The credit representative number attached to this business, 370592, is recorded publicly against the licence register, so you can verify our authorisation yourself before providing a document, which is the check we would encourage any careful borrower to run.
How We Work
Every recommendation follows a published process, with conflicts of interest disclosed to clients and fees disclosed in writing. As a credit representative, number 370592, under Australian Credit Licence 389328, this practice is accountable for how advice is made.
AFCA membership
Australian Financial Complaints Authority membership means an independent, free external dispute resolution pathway exists if anything ever goes wrong, giving you recourse beyond this business and beyond the licensee, a protection unaccredited online lending platforms simply cannot offer their customers.
How We Work With You
It starts with a free strategy call where we test your borrowing capacity, explain your options and answer the awkward questions, including these ones, in writing before you commit to anything at all.
Where we work
Areas We Service
Your Mortgage Broker Chapel Hill works across Chapel Hill and the surrounding western suburbs, including Mount Coot-tha, Indooroopilly, Fig Tree Pocket, Kenmore and Kenmore Hills, all within a short drive of the Brisbane CBD.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Chapel Hill?
The business is operated by Your Mortgage Broker Chapel Hill, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The licence details, including our representative number, appear on this page so you can verify them yourself.
Are you licensed to arrange home loans?
Yes. We hold authorisation to arrange home loans as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328. We are also an AFCA member, so an independent complaints pathway exists at all times.
How do you get paid if I don't pay a fee?
Under the standard arrangement, the lender pays us an upfront commission after settlement and a smaller trail commission while your loan runs. Neither comes from your pocket or changes your loan, and any unusual fee would be disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary slightly between lenders, and that is a genuine conflict we name rather than deny. Our answer is written reasoning: every recommendation comes with an explanation of why that lender and structure suited your position.
What happens if I have a complaint?
Raise it with us first, then with our licensee, who operates a formal internal dispute process. If the outcome does not satisfy you, the Australian Financial Complaints Authority provides free, independent external review of credit assistance complaints.
How many lenders can you actually access?
We work across a panel of lenders set by our licensee, covering major banks, regional banks and non-bank lenders. No panel covers every lender in Australia, and we say so plainly rather than pretending otherwise.
Mortgage broker for Chapel Hill and the suburbs around it
Get in Touch
Call [TRACKING_PHONE] to book a free, no-obligation strategy call, or explore our home page to see how we work. You will speak with the broker named above, not a call centre, and there is no obligation attached.