About us
About Your Mortgage Broker Springwood
About Your Mortgage Broker Springwood: a local mortgage broking service for Springwood and the surrounding Blue Mountains, built around a named broker, published fees, a published process and licence details you can check in minutes.
Why We Started a Broking Business in Springwood
The big banks have withdrawn from the Blue Mountains, so a conversation that once happened across a Springwood counter is now a call centre queue or a drive down the hill. Your Mortgage Broker Springwood exists to fix that for local borrowers.
Who You Actually Deal With
Trust in this industry has to be earned by someone real, not claimed by a logo, so this section names the person, states their credentials and lets you verify all of it. Here is who you deal with:
The broker on file
Your Mortgage Broker Springwood is the credit representative who fronts this business, and every conversation about your home loan happens directly with that same person from first call to settlement rather than an assistant, so nothing about your file lost in handovers.
Local case experience
Springwood files carry their own patterns, from established owners releasing equity through to families using a guarantor, and Your Mortgage Broker Springwood has worked those situations repeatedly, so the lender shortlist you receive reflects local cases, not a national script applied blindly.
Direct access with no handoff
You will never be handed off to a call centre mid-application, because the person who assessed your borrowing capacity is the same person who lodges the file, chases the lender and calls you back with an answer the same week.
How We Get Paid, in Plain English
Most people never see how broker income actually works, and the silence is exactly why two of the most searched questions about broking are sceptical ones. Here is the full picture, conflicts included:
Upfront commission
Trail commission
What you pay
When a fee applies
Here is the conflict, named plainly: commission levels differ a little between lenders, so a recommendation could in theory be steered by income rather than fit. Our answer is to put the reasoning behind every recommendation in writing, so you can challenge it at any point. If the reasoning cannot survive being written down, it does not belong in a recommendation.
And is it worth using a broker? On a straightforward file with a confident borrower, possibly not much more than going direct. Any panel, however wide, is still not every lender in the market, so a direct lender can occasionally win. What a broker buys you is the search across policy differences you cannot see from outside, and hours saved on paperwork.
Our Licence and Accreditations
Claims on an About page are cheap, so these are the four credentials you can independently verify before you hand over anything, with the numbers stated rather than described:
Australian credit licence
Home lending in Australia runs under the National Consumer Credit Protection Act, and Your Mortgage Broker Springwood operates as a credit representative authorised under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, which means the licensee carries responsibility for everything we arrange.
Credit representative status
Our credit representative number is 370592, recorded on the register at ASIC and checkable in minutes, so you can verify who authorises us and under which licence before you share a single document, which is how it should work.
How We Work
Every loan Your Mortgage Broker Springwood handles is managed by the same accountable broker from your first call through to settlement. Fees are disclosed clearly in writing before you commit, and our process is published so you always know what happens next.
AFCA membership
Disputes go first to us and, if unresolved, to the Australian Financial Complaints Authority, of which licensee Connective Credit Services Pty Ltd is a member, giving you a free and independent external avenue instead of arguing with the broker who arranged your loan.
How We Work With You
Working with us starts with a conversation about your goals, moves through documents and a lender shortlist, and continues after settlement with scheduled reviews. Every step carries a published timeline, so you always know where your file sits. The full sequence is on the home page.
Where we work
Areas We Service
We work across Springwood itself and the neighbouring mountains villages, including Yellow Rock and Faulconbridge, helping first home buyers, refinancers, investors and self-employed borrowers throughout the City of Blue Mountains.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Springwood?
The business is operated by Your Mortgage Broker Springwood, a credit representative authorised under the licensee named on this page. It is a locally run broking service, not a lender, a bank or a comparison service.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, and our credit representative number is 370592. Both appear in the footer of every page and can be verified with ASIC.
How do you get paid if I don't pay a fee?
The lender pays us a commission once your loan settles, then a smaller trail commission while the loan runs. Neither payment comes out of your pocket or changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, so the conflict is real and we name it rather than deny it. Every recommendation comes with the reasoning in writing, so you can see exactly why a lender was chosen.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, a free and independent dispute resolution service, at no cost to you.
How many lenders can you actually access?
We deal with a panel of lenders, from the big four through to non-bank and smaller institutions. The exact panel is disclosed before any application goes in, and the right fit for your file matters more than the count.
Mortgage broker for Springwood and the suburbs around it
Get in Touch
If you would rather have your home loan handled by a named local broker than a call centre, ring (02) 9072 0668 and Your Mortgage Broker Springwood will talk through your situation, with no obligation and nothing to prepare before you call.