About us
About Your Mortgage Broker Stanthorpe
About Your Mortgage Broker Stanthorpe, a mortgage broking service for Stanthorpe and the wider Granite Belt. This page explains who fronts the licence, how the business is paid, and the accreditations behind every recommendation we make.
Why We Started a Broking Business in Stanthorpe
It started with the same story we still hear: locals ringing a national bank hotline, waiting weeks for an appointment, then receiving a decline nobody explained. A town of about five thousand people deserves better than a call centre queue.
Who You Actually Deal With
Broking businesses are anonymous by default: a logo, a phone number, no name attached. This section publishes the person, the credentials and the working arrangement, so you can look up the adviser before the first conversation, not after. Here is who you deal with:
The Broker on File
Your broker on file, Your Mortgage Broker Stanthorpe, handles your Stanthorpe enquiry personally from the first call through to settlement with no handoff, and our credit representative number 370592 and Australian Credit Licence 389328 are always published in the footer.
Local Lending Experience
Lending here has its own texture, with around twenty-three per cent of dwellings being paid off and a median household repayment near twelve hundred dollars a month, so the cases we handle are modest, practical and shaped by seasonal income.
One Person, Start to Finish
Ring for updates and you reach Your Mortgage Broker Stanthorpe directly, the person who structured the file, and that continuity matters at valuation, at settlement and whenever a lender raises a question that only the writer of the application can answer properly.
How We Get Paid, in Plain English
Most people assume a broker bills them by the hour, then assume the opposite, and both guesses are usually wrong. Here is where the money actually comes from:
Upfront commission
Trail commission
Fees, when they apply
Now the part most brokers bury: commission levels vary a little between lenders, so we earn slightly different amounts depending on the recommendation, and calling that anything other than a conflict would be dishonest. Our answer is to put the reasoning behind every recommendation in writing, including which lenders were compared and why the shortlist won.
Is it worth using a broker at all? The honest trade-off is that a panel, however wide, is not every lender in the market. What a broker adds is comparison across many credit policies at once, one accountable person for the paperwork, and written reasoning you can challenge.
Our Licence and Accreditations
Credentials are the one thing a new business can prove on day one, so here are all four, stated as numbers rather than descriptions, each checkable through public registers before you spend a minute on the phone. Here is what sits behind the Your Mortgage Broker Stanthorpe name:
Australian Credit Licence
Your Mortgage Broker Stanthorpe operates as a credit representative under the Australian Credit Licence held by Connective Credit Services Pty Ltd, licence number 389328, which means every credit activity we perform is authorised, recorded, audited and properly supervised under the National Consumer Credit Protection Act.
Credit Representative Status
Our credit representative number is 370592, issued against the licensee's licence, and you can verify that entry through the public registers before you engage us, because a checkable credential beats any claim we could ever make about this business.
How We Work
The broker who takes your first call is the same person who manages your file through to settlement. Fees are disclosed in writing before you commit, the process is published on the site, and questions are answered at every step.
AFCA Membership
If something goes wrong with our service you can escalate to the Australian Financial Complaints Authority, an independent dispute resolution body the licensee is a member of, which gives you a free avenue of appeal outside our own complaints process.
How We Work With You
Knowing who we are, the next question is what happens once you make contact. Our published process on the home page sets out each stage, from free strategy call to post-settlement review, with a timeline attached:
Areas We Service
Your Mortgage Broker Stanthorpe works with borrowers across Stanthorpe and the surrounding Southern Downs, including Applethorpe, Dalcouth, Diamondvale, Kyoomba, Mount Tully and Severnlea, and by phone across the Granite Belt wherever a property sits. If your town is not listed, ask anyway.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Stanthorpe?
It is operated by Your Mortgage Broker Stanthorpe as a credit representative of Connective Credit Services Pty Ltd, the licensee holding Australian Credit Licence 389328. The broker's identity, qualifications and association membership are published on this page.
Are you licensed to arrange home loans?
Yes. As a credit representative under that licence, we can provide credit assistance for home loans, and our representative number 370592 can be verified through public registers before you engage us.
How do you get paid if I don't pay a fee?
The lender pays us commission: an upfront amount at settlement and a small trail while the loan runs. Neither comes from your pocket or changes your rate, and both figures are disclosed in writing.
Do you get paid more for recommending certain lenders?
Sometimes, by a small margin, and that is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, including which lenders were compared and why the shortlist won.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are unsatisfied, the licensee's AFCA membership lets you take the matter to the Australian Financial Complaints Authority, free of charge.
How many lenders can you actually access?
We compare a panel of lenders spanning major banks, regional lenders and non-bank lenders. The exact figure is set by the licensee and will be stated accurately when you enquire.
Mortgage broker for Stanthorpe and the suburbs around it
Get in Touch
The next step costs nothing. Ring (07) 3523 7116 and talk through your situation with the broker whose credentials are published above, or send an enquiry and we will come back to you within one business day.