About us
About Your Mortgage Broker Kellyville Ridge
Your Mortgage Broker Kellyville Ridge is a mortgage broking business serving Kellyville Ridge and the surrounding Blacktown district. This page explains who runs it, how it is licensed, how it earns its income and what you can reasonably expect from working with us.
Why We Started a Broking Business in Kellyville Ridge
Most people in this suburb are already deep in a loan: the median household mortgage repayment sits around $2,600 a month. Yet getting honest, unhurried answers about lending usually meant a call centre and a script. This business exists to fix that.
Who You Actually Deal With
You deal with a named person, not a brand. On a page like this, most brokers hide behind a logo, so we will do the opposite and put the details on the record. Your Mortgage Broker Kellyville Ridge is fronted by:
The broker on file
Your file is handled by Your Mortgage Broker Kellyville Ridge from the first call through to settlement. One accountable person answers for every recommendation, and the credit representative number 370592 and Australian Credit Licence 389328 are clearly published in the footer.
Local lending experience
Experience here means files like yours: families refinancing against a median mortgage repayment of about $2,600 a month, first buyers working toward a deposit, and self-employed borrowers whose accountant keeps taxable income deliberately lean so the tax office sees less.
One contact, no handoff
When you call, you speak with the person who read your documents and lodged your application, not a junior in a queue, and that single point of contact runs from the very first conversation right through to settlement day itself.
How We Get Paid, in Plain English
Brokers have a reputation problem, and much of it comes from people not knowing where the money goes. Here is the whole arrangement, without hedging:
Upfront commission
Trail commission
Fees on complex files
Now the uncomfortable part, because pretending it away would be worse. Commission levels vary a little between lenders, which means there is a genuine financial conflict in any broker relationship. We name it rather than deny it, and our answer is to put the reasoning behind every recommendation in writing: which lenders we shortlisted, why they fit your file and what we ruled out, so you can interrogate the logic yourself.
Is it worth using a broker at all? The honest trade-off is this: any panel, however wide, is still not every lender in the market, and a bank branch is not every product at one bank. What a broker adds is breadth across a panel and a file prepared properly the first time. For most borrowers that trade is worthwhile, and now you can judge it with the money side fully in the open.
Our Licence and Accreditations
Numbers beat adjectives, so here are the actual registrations behind this business, each of which you can check independently before you engage us:
Credit licence status
Australian Credit Licence 389328, held by [LICENSEE NAME], authorises the credit activities this business performs, and the licence number is public, so you can verify it against the register the regulator publishes online, and verifying it takes a minute.
Credit representative status
Credit Representative 370592 operating under that licence means Your Mortgage Broker Kellyville Ridge acts as an authorised credit representative rather than a licensee, so conduct, supervision and dispute obligations trace back to the licensee named above, so there is a second accountable party.
How We Operate
The business operates as a credit representative, with credit representative number 370592 and Australian Credit Licence 389328 published in the footer. Our Credit Guide sets out conduct standards we follow, and you can check these details before engagement.
AFCA membership
Membership of the Australian Financial Complaints Authority means that if a dispute ever arises and cannot be resolved directly with us, you can escalate it to an independent external complaints body at no cost, which keeps recourse independent of us.
How We Work With You
Every engagement follows the same published sequence: a free strategy call, a borrowing capacity assessment, a shortlist presented in plain language, then a complete application lodged and managed to settlement. You will always know which step your file is on and what happens next.
Where we work
Areas We Service
Your Mortgage Broker Kellyville Ridge works with borrowers across Kellyville Ridge and the neighbouring suburbs of Rouse Hill, Beaumont Hills, Kellyville, Stanhope Gardens and The Ponds, all within the City of Blacktown, plus surrounding parts of Sydney's north west.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Kellyville Ridge?
Your Mortgage Broker Kellyville Ridge is operated by Your Mortgage Broker Kellyville Ridge as a credit representative of [LICENSEE NAME], which holds Australian Credit Licence 389328. The brand and licence arrangements are set out in full in our Credit Guide.
Are you licensed to arrange home loans?
Yes. We operate as Credit Representative 370592 under Australian Credit Licence 389328, which authorises us to provide credit assistance and arrange loans. You can verify both numbers on the regulator's public registers.
How do you get paid if I don't pay a fee?
On most standard residential loans the lender pays us an upfront commission at settlement and a trail commission while the loan runs. Neither comes from your pocket, and neither changes your rate.
Do you get paid more for recommending certain lenders?
Commission levels do vary a little between lenders, and that is a genuine conflict we name rather than deny. Our answer is to put the reasoning behind every recommendation in writing so you can interrogate it.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it is unresolved, you can take it to the Australian Financial Complaints Authority, an independent external disputes body, at no cost to you.
How many lenders can you actually access?
We work across a panel of lenders spanning major banks, non-banks and specialist lenders, accessed through our licensee's accreditation. No panel covers every lender in Australia, which is a limitation we state plainly.
Mortgage broker for Kellyville Ridge and the suburbs around it
Get in Touch
Call Your Mortgage Broker Kellyville Ridge on (02) 9072 0647 or book a free strategy call through the home page. We will talk through your situation, outline the lending options that fit it, and answer any question about licences, fees or process before you commit to anything.