About us
About Your Mortgage Broker Barwon Heads
Your Mortgage Broker Barwon Heads is a mortgage broking business serving Barwon Heads and the wider Bellarine, built on a simple promise: a named, licensed professional, published fees and commissions, a clear process, and honest reasoning behind every recommendation.
Why We Started a Broking Business in Barwon Heads
Local borrowers were ringing banks in Geelong and Melbourne, waiting days for answers about their own homes, and receiving one credit policy's verdict as though it were a law of nature. A local alternative made sense.
Who You Actually Deal With
Trust has to attach to a person, not a logo, so here is exactly who fronts this business, what they hold and what they do, in the detail a licence number deserves:
The Broker on File
Your file is handled by Your Mortgage Broker Barwon Heads from first call to settlement, with the credit representative number 370592 and Australian Credit Licence 389328 published in the footer, so every conversation about your loan happens with one accountable person.
Local Lending Case Experience
Experience here means knowing how lenders treat coastal construction, unusual income and family guarantee structures, and that knowledge comes from working real Barwon Heads files, from first home purchases near the foreshore to refinancing family homes on the quieter streets.
Direct Access, No Handoff
Nothing about your application gets passed to a call centre or an assistant, because the broker who hears your goals over coffee is the same person who structures the loan, selects the lenders, lodges the paperwork and answers your calls.
How We Get Paid, in Plain English
Most people assume a free service must be hiding something, so rather than let you guess, here is the entire arrangement:
Upfront commission
Trail commission
Fees to you
Now the honest part: commission levels vary a little between lenders, which means we technically earn slightly more on some recommendations than others. That is a genuine conflict, and the way we handle it is to put the reasoning behind every recommendation in writing, so you can see the shortlist, the policy that drove it and the lender economics, and challenge any of it.
And the direct answer to whether it is worth using a broker: the value sits in policy knowledge across a panel of lenders, not in the price, which is zero to you. One trade-off deserves naming all the same. Any panel, however wide, is still not every lender in the market, and we would rather tell you that than pretend otherwise.
Our Licence and Accreditations
The credentials below are checkable numbers, not descriptions, and checking them takes minutes; doing so is the quickest way to verify any broker before you hand over financial information:
The Credit Licence
Your Mortgage Broker Barwon Heads operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by ASIC, so every credit activity we perform is authorised, supervised and audited under the National Consumer Credit Protection Act not outside it.
Our Representative Registration
The representative number recorded against this business is 370592, listed publicly on the ASIC registers, which means you can independently confirm our authorisation before sharing a financial detail with us, and we encourage every borrower to do exactly that.
Accountability You Can Check
Accountability here does not rest on badges alone. This business operates as a credit representative, number 370592, under Australian Credit Licence 389328, both listed in the footer, and follows a published process with all fees disclosed in writing.
AFCA Membership
This business holds membership of the Australian Financial Complaints Authority, which means if you disagree with an outcome and cannot resolve it with us directly, you can take the dispute to an independent, free external body whose decisions bind us.
How We Work With You
A first conversation maps your goals and constraints. From there we calculate capacity across a panel of lenders, assemble and lodge the application, manage things through to approval, and stay in touch after settlement. One person carries your file throughout.
Where we work
Areas We Service
Our work centres on Barwon Heads and the immediately surrounding Bellarine, taking in Wallington, Connewarre, Ocean Grove and the quiet river settlements in between, with full suburb pages published for the areas where local lending questions come up most often.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Barwon Heads?
The business is operated by Your Mortgage Broker Barwon Heads, trading under the Your Mortgage Broker Barwon Heads name as a credit representative of [LICENSEE NAME]. Ownership, licence details and the representative number are all published on this page and independently checkable.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], as credit representative 370592. That authorisation is issued under the National Consumer Credit Protection Act and can be verified on the ASIC registers.
How do you get paid if I don't pay a fee?
The lender pays us commission: an upfront amount on settlement and a smaller trail commission while your loan runs. Neither comes from your pocket, and neither changes the rate or fees the lender charges you.
Do you get paid more for recommending certain lenders?
Sometimes, yes, because commission levels vary slightly between lenders. That is a genuine conflict, and we manage it by writing down the reasoning behind every recommendation, so you can see the comparison and challenge it before committing.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If we cannot resolve it to your satisfaction, you can take it to the Australian Financial Complaints Authority, a free and independent external disputes service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-banks and mutuals. The precise count is confirmed on our credit guide, and honestly, no panel covers every lender, which we say plainly rather than overclaim.
Mortgage broker for Barwon Heads and the suburbs around it
Get in Touch
Whether you are buying, building, refinancing or just working out what is possible, the first conversation costs nothing and carries no obligation. Ring Your Mortgage Broker Barwon Heads on (03) 9122 8522 and we will talk through your position plainly, with numbers that reflect real lender policy.