About us
About Your Mortgage Broker Sarina
Your Mortgage Broker Sarina is a mortgage broking service based in Sarina, operating as a credit representative under an Australian Credit Licence holder. This page sets out who we are, how we are paid, and what regulates us.
Why We Started a Broking Business in Sarina
Households here carry a median mortgage repayment of about $1,733 a month, yet the nearest bank lending staff often sit hours away, so people were settling for whatever one lender's policy said. This business exists to change that.
Who You Actually Deal With
Broking sites love to hide behind a logo, so here is the opposite: the person whose name sits on the credit representative number, the credentials they hold, and the way they work with you:
The Broker on File
Your file is handled by Your Mortgage Broker Sarina, which means every conversation happens with the same accountable person from first call to settlement, and the credit representative number and Australian Credit Licence details published in the footer sit behind every step.
Local Case Experience
Living and working locally, the broker sees how Sarina lending actually plays out: mining and sugar payrolls, contractor income, acreage valuations near Sarina Range, and coastal pockets around Grasstree Beach, file shapes a distant centralised call centre rarely handles well.
Direct Access, No Handoff
One person manages your whole application, so nothing gets lost in a handoff between departments, questions get answered the same day by someone who knows the file, and every recommendation arrives with its reasoning explained plainly, directly, and in writing.
How We Get Paid, in Plain English
Nobody in this industry enjoys the question, but it is the right one: where does the money actually come from? Here is the full answer, including the parts most broker sites leave out:
Upfront commission
Trail commission
Not from your pocket
The exception
Here is the conflict worth naming rather than denying: commission rates vary slightly between lenders, so two equally suitable lenders may pay us different amounts. Process answers that, not promises. Every recommendation comes with its reasoning in writing: which lenders were considered, why the shortlist narrowed, and what the trade-offs were. You can hold the written comparison up against the recommendation yourself.
And the honest trade-off on whether a broker is worth using at all: any panel, however wide, is still not every lender in the market, and a direct lender will occasionally price sharper than anyone on ours. What a broker buys you is coverage across lending policies, plus the application work managed end to end.
Our Licence and Accreditations
Credentials on this page are stated, not described, because numbers can be verified and adjectives cannot. Everything below is checkable through ASIC, the relevant industry association, and AFCA:
Credit Licence Status
Credit licensing in Australia requires the licensee to hold an Australian Credit Licence issued by ASIC, and every representative arranging home loans under it must operate within that licence's obligations, so the number below is the one you check first.
Credit Representative Status
Your Mortgage Broker Sarina operates as a credit representative under Connective Credit Services Pty Ltd, whose Australian Credit Licence is 389328, and our credit representative number is 370592, both of which appear on every credit proposal and can be verified through the ASIC registers.
How We Work
We handle your loan from first call through to settlement as the one accountable broker, and the business operates as a credit representative under an Australian Credit Licence, with our process published on our website and fees disclosed in writing.
AFCA Membership
Australian Financial Complaints Authority membership is mandatory for credit assistance providers, which means an independent, free dispute resolution body can review any complaint you bring that we cannot resolve, and our AFCA membership number is stated in the Credit Guide.
How We Work With You
Knowing who we are and how we are paid only matters if the working method is clear, so here it is in brief: a plain first phone call, a written comparison of suitable lenders, your decision in your own time, then application management through to settlement, with each stage's timeline stated up front.
Where we work
Areas We Service
We work across Sarina and the wider Mackay Region, including Grasstree Beach, Freshwater Point, Koumala and Sarina Range, along with surrounding rural addresses in postcode 4737 and the nearby coastal localities.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Sarina?
Your Mortgage Broker Sarina is run by Your Mortgage Broker Sarina, a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. There is no franchise structure or head office between you and the person handling your loan.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under licence 389328, held by Connective Credit Services Pty Ltd, and our representative number is 370592. Both appear on our Credit Guide and can be verified through ASIC.
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 ongoing commission while the loan runs. Neither comes from you, and neither changes your rate. Any fee that could apply is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, by a small margin, and pretending otherwise would be dishonest. That conflict is why every recommendation comes with its reasoning in writing: the lenders considered, the shortlist, and the trade-offs, so you can check the logic yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If we cannot resolve it to your satisfaction, you can take it to the Australian Financial Complaints Authority, an independent and free external dispute resolution service.
How many lenders can you actually access?
We compare a panel of lenders spanning banks and non-bank lenders. The exact number and list appear in our Credit Guide, and the panel is chosen for policy coverage across the situations Sarina borrowers actually bring.
Mortgage broker for Sarina and the suburbs around it
Get in Touch
If you want the numbers, the reasoning and the fees in writing before you commit to anything, call Your Mortgage Broker Sarina on (07) 3523 7116. The first conversation is free, carries no obligation, and is with the broker who will handle your file.