About us
About Your Mortgage Broker Warrawee
Your Mortgage Broker Warrawee is a mortgage broking business serving Warrawee and the surrounding Upper North Shore, built around one named broker, a published fee structure and a process you can check at every step.
Why We Started a Broking Business in Warrawee
This business exists because buying on the Upper North Shore often means a strong household income, a large loan and one bank's narrow answer, and too many capable borrowers were being declined on policy rather than merit.
Who You Actually Deal With
Trust in lending should rest on a verifiable person, not a logo. This section sets out who fronts the licence, what they have done and how you reach them. Here is the person behind every file:
The Broker on File
Your file is handled by Your Mortgage Broker Warrawee from the first call through to settlement, so the person advising you is identifiable and accountable for the recommendation they make. Fees are disclosed in writing. Licence details are published in the footer.
Local Case Experience
Warrawee throws up particular lending scenarios, from heritage homes needing renovation finance to households already carrying a median mortgage repayment of about $3,500 a month, and working these files locally means fewer surprises when a lender assesses your circumstances carefully.
Direct Access, No Handoff
Calling this business means speaking to the broker who lodges your application, not a call centre reading a script, and no handoff to a junior processor partway through, so every question gets answered by the person who knows your file.
How We Get Paid, in Plain English
Most people know brokers are not volunteers, but the mechanics rarely get spelled out, so here they are:
Upfront commission
Trail commission
Client fees
Here is the uncomfortable part worth naming: commission sizes vary a little between lenders, which is a genuine conflict of interest rather than something to deny. The answer we choose is to put the reasoning behind every recommendation in writing, including which options were considered and why the one suggested fit your circumstances.
Is it worth using a broker at all? The honest trade-off is that any panel, however wide, is still not every lender in the market, and a bank branch covers exactly one institution. You are weighing breadth against completeness, with the reasoning disclosed either way.
Our Licence and Accreditations
Numbers beat adjectives in credit, so this section states registrations plainly. Four checks cover it, and any broker you deal with anywhere should pass the same test. Here are the details:
Credit Licence Status
Australian credit licensing exists so borrowers can verify who they are dealing with: this business operates as a credit representative under Connective Credit Services Pty Ltd, which holds Australian Credit Licence 389328, a registration you can check through the regulator's public registers.
Credit Representative Status
Credit representative number 370592 identifies this business on the licence register, and that status carries real obligations, including responsible lending duties, record keeping and compliance reporting to the licensee, all of which protect you rather than decorate a website.
How We Work
As a credit representative with credit representative number 370592 and Australian Credit Licence 389328 published in the footer, your broker handles the file from first call to settlement, fees are disclosed in writing, and the process is published.
AFCA Membership
Disputes in credit have a path through the Australian Financial Complaints Authority, and this business holds AFCA membership, so a complaint about our service can be taken to an independent external body free of charge if we cannot resolve it.
How We Work With You
The process runs from a first conversation through to a review after settlement, with published timelines at each stage and one person accountable throughout. Details live on the service pages, and the short version is this: we do the comparing, you make the decisions.
Where we work
Areas We Service
Work concentrates on Warrawee itself and the neighbouring Upper North Shore, including Wahroonga and Turramurra, along the North Shore Line and the Pacific Highway corridor. If you live nearby and are unsure, ask; the answer is usually yes.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Warrawee?
Your Mortgage Broker Warrawee is run by Your Mortgage Broker Warrawee, who fronts the business personally and operates as a credit representative under Connective Credit Services Pty Ltd. There is no call centre and no anonymous ownership structure between you and the person doing the work.
Are you licensed to arrange home loans?
Yes, as a credit representative under an Australian Credit Licence. Connective Credit Services Pty Ltd holds licence 389328 and this business is registered as credit representative 370592, both verifiable through the regulator's public registers before you engage anyone.
How do you get paid if I don't pay a fee?
Lenders pay commission: an upfront amount on settlement and a smaller trail while the loan runs. Both come from the lender, not from you, and any client fee on a complex file would be quoted in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, yes, commission varies a little between lenders, and we name that rather than deny it. That conflict is managed by putting the reasoning behind every recommendation in writing, including the alternatives considered, so you can see the basis.
What happens if I have a complaint?
Raise it with us first and we will work to fix it quickly. If it is not resolved, this business holds AFCA membership, so you can take the matter to the Australian Financial Complaints Authority at no cost.
How many lenders can you actually access?
We work with a panel of lenders across the major banks, smaller banks and non-bank sector. The exact number comes from the licensee and is confirmed in the credit guide, which we give you before any advice.
Mortgage broker for Warrawee and the suburbs around it
Get in Touch
The next step is a conversation, not a commitment. Ring (02) 9072 0668 or send a message and we will arrange a free strategy call about your lending plans, with no obligation attached and nothing to prepare in advance.