About us
About Your Mortgage Broker Lysterfield
This page exists because a new broking business owes you more explanation than an established one, not less. Below you will find who fronts the licence, exactly how we are paid, and every number you can independently verify.
Why We Started a Broking Business in Lysterfield
Most borrowers meet their broker at the moment they need one most: mid-application, mid-decline, mid-stress. We started this business so the first meeting happens earlier, with time to plan properly instead of reacting.
Who You Actually Deal With
A broking licence is only as good as the person who fronts it, so we would rather you interrogate that person than the brand. Everything checkable about the individual you will deal with appears below, from qualification to association membership to the public registers where it can be confirmed:
The Broker on File
The broker fronting this business is Your Mortgage Broker Lysterfield, credit representative 370592, and specialises in home and investment lending across the wider Knox. The accountable broker handles your file from the first call through to settlement, with fees disclosed upfront.
Local Files, Real Experience
Lysterfield files tend to share a shape, large established homes on generous blocks, median repayments near $2,200 a month, and self-employed owners, so the case experience here mostly runs to refinances, construction draws and equity releases rather than apartment turns.
One Person, No Handoff
You deal with the same person from a strategy call through to settlement day, because files are not handed to a processing team or a call centre, and the broker who recommends the loan is the broker who lodges it.
How We Get Paid, in Plain English
How we are paid should take one reading, so here it is plainly:
Upfront commission
Trail commission
Neither comes from your pocket
A fee only in rare circumstances
Now the uncomfortable part: commission amounts vary slightly between lenders, so a broker is paid a little differently depending on the recommendation. That is a genuine conflict, and denying it would be dishonest. We manage it by putting the reasoning behind every recommendation in writing: which loans were compared, what was rejected and why the recommendation suits your file.
Is it worth using a broker? Honestly, it is a trade-off. A good broker stops you applying blind to one lender, knows which credit policies fit unusual income or deposits, and owns the application to settlement. The trade-off: any panel, however wide, is not every lender in the market. If your situation is simple, a broker may add little. If not, comparing across a panel with someone accountable usually beats guessing alone.
Our Licence and Accreditations
Every number that matters about our authorisation appears below, stated rather than described, so you can copy each one into the public registers and confirm it for yourself:
The Licence Behind Us
Your Mortgage Broker Lysterfield operates as a credit representative under the Australian Credit Licence 389328 held by [LICENSEE NAME], which means every credit activity we perform is authorised, supervised and audited under the National Consumer Credit Protection Act rather than trust alone.
Our Representative Number
Our credit representative number is 370592, recorded publicly against the licence register, so you can verify directly who we are, who holds our authorisation and what activities we may undertake before you share a single financial detail with us.
How We Operate
Every loan is handled by the same accountable broker from the first call to settlement. The business operates as a credit representative, number 370592, under Australian Credit Licence 389328, details published in the footer alongside our disclosed fees.
AFCA Membership and Complaints
Complaints that cannot be resolved between us go to the Australian Financial Complaints Authority, of which the licensee is a member, giving you access to an independent external dispute resolution body whose determinations we are bound to accept and pay.
How We Work With You
Knowing who we are and how we are paid, the next question is what happens once you make contact. The process is short, published with realistic timelines, and owned start to finish by one accountable person.
Where we work
Areas We Service
From Lysterfield we work with borrowers across the hills and surrounding corridors, including Upper Ferntree Gully, Upwey, Belgrave South, Narre Warren East, Narre Warren North and Lysterfield South, along with the wider City of Knox.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Lysterfield?
It is run by Your Mortgage Broker Lysterfield, credit representative number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The brand fronts a registered authorisation and is a broker, not a lender.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328 held by [LICENSEE NAME], which permits us to arrange home and investment lending under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
Usually nothing. The lender whose loan settles pays an upfront commission, then a smaller trail while the loan runs, and neither is added to your rate. Any rare client fee is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary slightly between lenders, a genuine conflict we name openly rather than deny. Our answer is written reasoning with every recommendation, showing what was compared and why it suits your file.
What happens if I have a complaint?
Complain to us first, by phone or in writing, and we respond within our published timeframes. Anything unresolved goes to the Australian Financial Complaints Authority, an independent body whose determinations bind us, at no cost.
How many lenders can you actually access?
We work from a panel of lenders spanning major banks, non-bank lenders and specialists. The exact number is confirmed by our licensee in our credit guide, and no panel covers every lender in the market.
Mortgage broker for Lysterfield and the suburbs around it
Get in Touch
Call Your Mortgage Broker Lysterfield on (03) 9122 8521 for an unhurried, obligation-free conversation about your lending position, or send your questions in writing and receive a straight answer, including the honest one when a strategy is not worth pursuing yet.