Mortgage Brokers in Epping, NSW
Compare registered mortgage brokers in Epping, New South Wales. All listings sourced from the ASIC Credit Licensee Register.
From fact-find to settlement
The mortgage broker process in Epping, New South Wales starts with a fact-find — income, expenses, deposit and goals — followed by a credit check and pre-approval lodgement. Brokers can compare residential, investment, construction and commercial products across their panel, but they must explain why a particular product is in your best interests under ASIC RG209. If approved, settlement coordination, valuation booking and insurance referrals all run through the broker. Trail commissions only apply if the loan stays on book. Disputes about broker conduct are handled by AFCA, free for consumers.
Cheil Finance Pty Ltd
Yan, Wei
Aoo Financial Services Pty Ltd
Qian, Wei
X.H Fan & Y.W Shang
Xue, Xiaohong
Excel Funding Group Pty Ltd
Tt Financial International Pty. Ltd.
F & C Financial Services Pty Ltd
Nearby Mortgage Brokers
Frequently asked questions
How are mortgage brokers paid?
Mortgage brokers in Epping, New South Wales are paid commission by the lender, not by you directly. Upfront commission is typically 0.5–0.7% of the loan amount; trail commission is around 0.15% per year while the loan stays active. Both must be disclosed in writing before you sign anything.
What is the Best Interests Duty for mortgage brokers?
Since 2021 mortgage brokers have a legal Best Interests Duty under the National Consumer Credit Protection Act. They must place your interests above their own when recommending a loan — this includes considering loan suitability, total cost over the life of the loan, and any conflicts of interest from commission structures.
Do brokers charge fees on top of lender commissions?
Most residential mortgage brokers in Epping, New South Wales do not charge clients directly — they are paid by the lender. Commercial loans, complex restructures or specialist lending can attract a broker fee, which must be disclosed in writing in the Credit Guide and Credit Quote before any work begins.
What if I'm declined for a loan through a broker?
If a lender declines your application, your broker can submit to a different lender on their panel — credit checks done within a short window typically do not compound. If multiple declines occur the broker should explain why; complaints about broker conduct go to AFCA, free for consumers.