About us
About Your Mortgage Broker Alkimos
Your Mortgage Broker Alkimos is a mortgage broking practice serving Alkimos and the surrounding northern corridor of Perth, built around one broker, one published process and full disclosure of how the business is paid before you engage it.
Why We Started a Broking Business in Alkimos
This corridor is full of young households on median incomes paying serious money off new mortgages, and too many of them were being handed a single bank's answer as if it were the only answer. A practice that shops the whole panel, and shows its working, fixes that.
Who You Actually Deal With
One named person handles your file from first conversation to settlement and beyond. The three points below set out who that is, what they work on locally, and how to reach them.
The Broker On Your File
Your file is prepared, lodged and managed by Your Mortgage Broker Alkimos from the first call through to settlement, so the adviser you speak with on day one also does the work behind the scenes. Our licence details sit in the footer.
Local Files, Local Knowledge
Files from Alkimos and its neighbouring estates dominate the book, which means construction draws, first home grant applications and new-estate valuations are familiar work rather than novelties, and exposure to local lender policy genuinely turns into better shortlisting for you.
Direct Access, No Handoff
When you call about your loan you speak with the broker who wrote it, not a call centre or an assistant, and questions about progress, conditions or lender requirements get answered that day by the person who knows the file.
How We Get Paid, in Plain English
Most people never ask a broker this question directly, yet it sits behind every recommendation, so here is the whole arrangement on the table before you owe us anything:
Upfront commission
Trail commission
No fee for standard home loans
Fees only in unusual circumstances
Now the uncomfortable part. Commission levels do vary a little between lenders, which is a genuine conflict of interest, and pretending otherwise would be insulting. The answer is not denial but process: every recommendation names the lender, the reasons it fits your file and what it costs, and that reasoning reaches you in writing before you commit to anything.
Is it worth using a broker at all? The honest trade-off is that a panel, however wide, is still not every lender in Australia, so there is a small chance your ideal fit sits outside it. Against that, you get credit policy knowledge across the whole panel, help with structuring, and someone accountable when a file stalls. For most borrowers that trade is plainly worth it, and you can judge for yourself with the numbers laid out.
Our Licence and Accreditations
Trust claims mean nothing without numbers behind them, so here are the four credentials that govern this practice, stated plainly and checkable independently rather than described in vague terms.
Australian Credit Licence
Credit assistance through Your Mortgage Broker Alkimos operates under the Australian Credit Licence 389328 held by [LICENSEE NAME], which means the licensee carries responsibility for conduct on every file, and that licence number can be checked any time on the ASIC registers.
Credit Representative Status
As a credit representative, Your Mortgage Broker Alkimos holds representative number 370592 and arranges home lending on the licensee's behalf, which bounds every recommendation and process to the licensee's supervision, policies and dispute procedures rather than leaving any of that arrangement informal.
How Standards Are Enforced
Standards on your file are enforced from two directions, the licensee above and the published process alongside it, the same accountable broker handles your file from first conversation to settlement and fees are disclosed in writing before you say yes.
AFCA Membership
Every client of Your Mortgage Broker Alkimos has access to the Australian Financial Complaints Authority, a free external dispute resolution service, meaning any complaint we cannot resolve directly can be escalated independently, with that protection applying from your very first enquiry with us.
How We Work With You
The first conversation maps your goals, income and deposit, then we assess borrowing capacity, shortlist lenders whose policy fits, and manage the application through to settlement, keeping you informed at every stage and reviewing the loan after your first year.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Alkimos?
Your Mortgage Broker Alkimos is run by Your Mortgage Broker Alkimos, operating as a credit representative under the Australian Credit Licence held by [LICENSEE NAME]. There is no franchise layer or call centre between you and the person handling your loan.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328 as credit representative 370592, which authorises us to arrange residential lending, and both numbers can be verified any time on the public ASIC registers.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays us an upfront commission, then a smaller trail commission while the loan runs. Neither comes out of your pocket and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and we name that conflict openly rather than denying it. Every recommendation we make sets out the reasons it fits your file, and you see that reasoning in writing before you commit.
What happens if I have a complaint?
Raise it with us first and we will work through it properly. If it cannot be resolved directly, you can take it to the Australian Financial Complaints Authority, a free and independent external dispute resolution service.
How many lenders can you actually access?
We work across a panel of lenders maintained by our licensee, spanning major banks, non-bank lenders and specialist credit providers. No panel covers every lender in Australia, and we will tell you plainly if your best fit sits outside it.
Mortgage broker for Alkimos and the suburbs around it
Get in Touch
Ring (08) 6311 4005 to talk through your position with Your Mortgage Broker Alkimos directly, or book a free strategy call. You will get an honest read on your file, the fees question answered upfront, and no obligation to take it further.