Mortgage Brokers in Osborne Park, WA
Compare registered mortgage brokers in Osborne Park, Western Australia. All listings sourced from the ASIC Credit Licensee Register.
Licensing and the Best Interests Duty
Mortgage brokers operating in Osborne Park, Western Australia are regulated under the National Consumer Credit Protection Act (NCCP). Each entry below either holds an Australian Credit Licence (ACL) directly, or operates as a credit representative under a parent licensee — both arrangements are valid and supervised by ASIC. Since 2021, brokers have a legal Best Interests Duty: they must place your interests above their own when recommending a loan. Industry membership in the MFAA or FBAA is voluntary but signals additional accreditation requirements. Verify any broker's licence status through MoneySmart's professional registers tool before signing a credit application or paying any fee.
A & K Patterson Pty Ltd
Curraween Pty Ltd
Harrisdale Pty Ltd
House & Home Loans Pty Ltd
Dosh Finance Pty Ltd
Ips Finance Brokers Pty Ltd
Pacit Pty Ltd
Ptr Finance Group Pty Ltd
Garrett, Michelle
Loan Wa Pty Ltd
Act Finance Wa Pty Ltd
Altruism Financial Services Pty. Ltd.
Gt Industries (Aust) Pty Ltd
Nearby Mortgage Brokers
Frequently asked questions
How are mortgage brokers paid?
Mortgage brokers in Osborne Park, Western Australia 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 Osborne Park, Western Australia 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.