Help and resources if you have a problem with a mortgage broker in Perth

Government & regulatory

• Australian Securities and Investments Commission (ASIC)

  ASIC is the main regulator of mortgage brokers in Australia. It oversees the credit licensing framework and sets the rules for how brokers give credit assistance and lending services, with a mandate covering consumer protection, market integrity and competition.

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• Moneysmart (ASIC)

  ASIC's Moneysmart site explains the obligations of credit providers and how to make a complaint about a financial product or service, including example complaint letters.

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• Consumer Protection (Department of Energy, Mines, Industry Regulation and Safety, WA)

  This WA state government division develops, enforces and promotes legislation that protects consumers, and handles consumer and licensing complaints, including some finance-adjacent and tenancy matters, in Western Australia.

  Visit website → Phone: 1300 304 054 Locked Bag 100, East Perth WA 6892

• Australian Competition and Consumer Commission (ACCC)

  The ACCC deals with unacceptable behaviour by debt collectors, such as harassment, intimidation or misleading conduct, and more broadly enforces consumer protection and fair-trading law at a national level.

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Industry & professional associations

• Mortgage & Finance Association of Australia (MFAA)

  MFAA is the industry association for mortgage and finance brokers in Australia and describes itself as the country's largest mortgage and finance broking community. Its Find a Broker / Help and Support page points consumers to relevant regulators and dispute bodies, including ASIC and state or territory consumer affairs offices.

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Consumer protection

• Australian Financial Complaints Authority (AFCA)

  AFCA is Australia's external dispute resolution scheme for financial complaints, covering banking, credit, loans, superannuation, insurance and some scam-related issues. The service is free and you don't need a lawyer to use it.

  Visit website → Phone: 1800 931 678

Legal help

This is general information, not legal advice. Speak to a qualified professional about your specific situation.

• Consumer Credit Legal Service (WA) Inc. (CCLS)

  CCLS is a non-profit community legal centre in Western Australia that has given legal advice on financial and consumer law matters for over thirty years, with a state-wide service aimed at people who might otherwise struggle to navigate the legal system. It runs a free Telephone Advice Line for financial and consumer law questions.

  Visit website → Phone: 08 9221 7066

• Legal Aid Western Australia

  Legal Aid WA is a state government body offering legal help and referrals for consumers, including issues around borrowing money, debt, and complaints about banks, lenders and insurers. Its guidance directs people with borrowing or debt problems to services such as CCLS, ASIC, Moneysmart and AFCA.

  Visit website → Phone: 1300 650 579

Financial assistance

This is general information, not financial advice. Confirm eligibility and terms directly with each program.

• National Debt Helpline (Financial Counselling Australia)

  Financial Counselling Australia runs the National Debt Helpline, a free national phone service and website with step-by-step guides for common debt problems. It encourages people to take action themselves but also offers a free, confidential and professional service for extra help.

  Visit website → Phone: 1800 007 007