About us
About Your Mortgage Broker Como
Your Mortgage Broker Como is a Como-based mortgage broker serving the Sutherland Shire, arranging home loans through a panel of lenders with every fee, commission and licence number published right here, because a new brand should show its paperwork first.
Why We Started a Broking Business in Como
Too many Como households, carrying a median mortgage repayment near $3,000 a month, meet a lender's template before they meet a person, and applications stall on policy quirks nobody explained beforehand.
Who You Actually Deal With
A brand with no reviews has to offer something checkable instead, and the strongest substitute available is a named person with stated credentials, so here is exactly who handles your file:
The Broker on File
The broker on file is Your Mortgage Broker Como, who fronts every file personally from first call to settlement rather than handing your loan application over to a call centre you have never spoken with directly, and fees are disclosed in writing.
Local Files, Local Knowledge
Files from Como mix weatherboard cottages near the station with knockdown rebuilds above the Georges River, and Your Mortgage Broker Como has worked valuations, zoning and lender policy on both, so local property quirks rarely surprise the submission or the credit team.
One Broker, One Number
Questions get answered by the person who prepared your application, not by a rotating roster or a shared inbox, and one broker keeps the same direct number from first conversation to settlement, so your contact never changes mid-file or afterwards.
How We Get Paid, in Plain English
The question nobody ranking on Google answers honestly is what a broker costs, so here is the entire picture, uncensored:
Upfront commission
Trail commission
Neither touches your pocket
Fees, if any ever apply
One honest caveat deserves naming rather than denying: commission sizes do vary a little between lenders, and that is a real conflict of interest. Our answer is that every recommendation arrives as a written summary showing the reasoning, the rate structure, the fees and the commissions we would receive from each option, so you can judge the advice against the incentive.
Is a broker worth it, then? For most borrowers, yes: policy fit across a panel, one submission instead of repeated applications, and written reasoning beat a single bank's product suite. The trade-off is real, and we state it plainly, that any panel, however broad, is still a subset of the market, and if a lender outside it clearly suits you better, we will say so.
Our Licence and Accreditations
Verification takes minutes, and every number below can be confirmed with the regulator, the association or the scheme before you commit to a conversation:
The Licence Behind Us
Lending is arranged under Australian Credit Licence 389328 held by [LICENSEE NAME], and every credit activity on this site is conducted under that licence, so the legal accountability for your file sits with a licensed entity, not a startup.
Credit Representative Status
As a credit representative, 370592 authorises us to act under that licence, which means our conduct is tied to a licensee's compliance framework, external audits and a licence that ASIC can check and verify publicly online at any time.
Our Commitment To You
Your Mortgage Broker Como is accountable to you from the first call through to settlement, and we publish our process so you can follow each step. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
AFCA Membership and Recourse
Dispute resolution sits with AFCA, the free external complaints scheme covering all our credit work, so if a dispute ever escalated beyond us, you would have an independent tribunal, not just a broker, deciding how the complaint is resolved independently.
How We Work With You
Credentials only matter when the day-to-day process holds up, so here is how a Your Mortgage Broker Como file runs: a first conversation about position and goals, a written summary of the recommended loan and its costs, then preparation and submission of the full application, with the lender chased through to settlement.
Where we work
Areas We Service
Your Mortgage Broker Como works with borrowers across Como and the southern Shire, including Oatley, Oyster Bay, Kareela, Jannali, Bonnet Bay and Illawong, in person or by video, whichever suits.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Como?
Your Mortgage Broker Como owns and runs Your Mortgage Broker Como, arranging loans under [LICENSEE NAME]'s Australian Credit Licence. You deal with one named broker from first conversation to settlement, reachable on [TRACKING_PHONE].
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328 held by [LICENSEE NAME], and full licence details appear in our credit guide before you sign anything.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when the loan settles and a trail commission while it runs, and neither comes out of your pocket or changes what you repay.
Do you get paid more for recommending certain lenders?
Commission sizes vary a little between lenders, which is a genuine conflict we name openly; every recommendation arrives with a written summary showing the reasoning, the rate structure and the commissions involved.
What happens if I have a complaint?
Raise it with us first and we follow the internal dispute process; if it remains unresolved, AFCA, the free external complaints scheme, reviews it independently at no cost to you.
How many lenders can you actually access?
We arrange loans through a panel of lenders spanning major banks, non-bank lenders and mutuals, and we will tell you in writing which panel lenders suit your file, and why.
Mortgage broker for Como and the suburbs around it
Get in Touch
If you want your borrowing position, the commissions behind the recommendation and the licence details all explained by the one broker who fronts your file, call [TRACKING_PHONE] and speak with Your Mortgage Broker Como directly.