About us
About Your Mortgage Broker Googong
Your Mortgage Broker Googong exists to give Googong borrowers a named, accountable alternative to the bank branch, with the licence details, the payment structure and the process all published before you commit to anything.
Why We Started a Broking Business in Googong
Most people in this suburb have already felt the problem: an online application portal that swallows your details, a branch that can only sell one product list, and no way to tell whether the answer you received was a market verdict or one lender's policy reading.
Who You Actually Deal With
A broking business is only as trustworthy as the person who fronts it, so here is who that person is and how the arrangement works:
Your Broker on File
Your file sits with Your Mortgage Broker Googong, who handles your application from first call to settlement and answers your questions directly. Applications are lodged under the licensee detailed clearly below, so you always know who is accountable for your lending file.
Local Experience That Counts
Local experience here means understanding a suburb where the median household repays about $2,600 a month on its mortgage and sixty-eight per cent of dwellings are still being paid off, because those figures shape which lenders suit Googong families best.
Direct Access, No Handoff
Direct access defines the arrangement: you never get handed to a call centre, an assistant or processing queues, because the same named broker who assesses your situation prepares the file, lodges it and takes your calls through to settlement day.
How We Get Paid, in Plain English
This is the question most brokers dance around, so we will answer it before you even ask.
Upfront commission
Trail commission
Fees on complex files
Now the part almost nobody ranks for: is it worth using a broker at all? The honest trade-off is that a panel, however wide, is still not every lender in the market, and some direct-only deals will always sit outside our reach. Against that, one branch sees one policy while a panel sees many, and the commission structure means the guidance usually costs you nothing. We think the maths favours most borrowers, but you now have both sides.
Our Licence and Accreditations
Because this brand is new, we publish the credentials that can be verified rather than trust signals that cannot, and every number below is checkable:
The Licence Itself
[LICENSEE NAME] holds Australian Credit Licence 389328, which authorises credit activities under the National Consumer Credit Protection Act, and every loan Your Mortgage Broker Googong arranges is written under that licence, giving you a regulated entity standing behind the advice you receive.
Credit Representative Status
Your Mortgage Broker Googong also operates as Credit Representative 370592 under that licence, which means the licensee supervises compliance, monitors the advice given and carries formal responsibility for the conduct of this business, oversight a standalone operator simply does not have.
Industry Association Membership
Professional association membership, recorded in section three above, binds the practice to a code of conduct with continuing education requirements, an annual obligation to maintain and prove competence, and a disciplinary framework that exists independently of the licensee's own supervision.
AFCA Dispute Resolution
Should a complaint ever escalate, membership of the Australian Financial Complaints Authority gives you free access to an independent external dispute resolution body, meaning an unfavourable answer from us never has to be the final word on any individual matter.
How We Work With You
One free strategy call opens the process, then one broker carries your file through structure, lender selection, lodgement and settlement, with published timelines at every stage so you always know what happens next and who is chasing it.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Googong?
Your Mortgage Broker Googong is operated by Your Mortgage Broker Googong as a credit representative under [LICENSEE NAME]. The brand fronts a real, identified broker rather than a call centre, and the full licence details appear on this page.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises credit activities under the NCCP Act. Our credit representative number is 370592.
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 trail commission while it runs. Neither comes from your pocket or changes the rate on your loan.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and we will not pretend otherwise. That is exactly why we put the reasoning behind every recommendation in writing, so you can check it independently.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If you remain unsatisfied, you can take the matter to the Australian Financial Complaints Authority at no cost to you.
How many lenders can you actually access?
We write loans through a panel of lenders covering major banks, regional banks and non-bank lenders. The current panel composition is set out in our credit guide, which you receive at the first meeting.
Mortgage broker for Googong and the suburbs around it
Get in Touch
Ready to put a name and a licence number behind your next loan? Call (02) 9072 0647 for a free strategy call, or explore our home loan services to see how we work before you speak to anyone.