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The gateway is the FNS40821 Certificate IV, but the real structure is what follows: MFAA or FBAA membership, operating under a credit licence, 20 hours of CPD a year — and an industry whose average gross earnings run well past $190,000 once the client book matures.

Australian mortgage brokers are legally required to belong to a free external dispute resolution scheme. Here is how the Australian Financial Complaints Authority actually works.

LMI is one of the most misunderstood costs in Australian home lending. It is the lender who is insured, but it is usually the borrower who pays. Here is how it actually works.

Every advertised Australian home loan rate comes with a comparison rate alongside it. Here is what it is legally required to include, what it leaves out, and why two comparison rates are not always comparing like with like.

Every legitimate Australian mortgage broker operates under an Australian Credit Licence, either as the licence holder or as an authorised credit representative. Here is how to check which, and how.

Since 2021, Australian mortgage brokers have had a specific legal duty to act in the best interests of the borrower. Here is what that duty actually requires, in plain terms.

Most Australians who use a mortgage broker never pay them a fee directly — the lender does. Here is how upfront and trail commission actually work, and what clawback means.