About us
About Your Mortgage Broker Sylvania
A mortgage broker should be able to tell you who they are, what they are licensed to do and how they get paid, without you having to ask twice. This page does all three.
Why We Started a Broking Business in Sylvania
Sylvania borrowers with solid incomes and long banking relationships still get declined, or steered into products that suit the bank more than the household. That gap between effort and outcome is why this business exists.
Who You Actually Deal With
No call centre, no junior assigned after the first meeting, no nameless case number. The person you speak to first is the person who finishes your file:
The Broker on File
Your Mortgage Broker Sylvania, fronts every file personally: the same accountable broker handles your file from first call to settlement, with a focus on situations Sutherland Shire borrowers actually bring, from first purchases near Southgate to refinances along the Georges River foreshore.
Local Case Experience
Local files shape the advice: Sylvania's housing ranges from surviving fibro cottages to double-brick family homes and newer infill units, so we have seen how lenders value each property type and where waterfront valuations can often genuinely surprise unprepared buyers.
Direct Access, No Handoff
There is no handoff here: the person who assesses your borrowing power is the person who lodges the application, answers the credit assessor's questions and calls you on settlement day, so nothing about your file gets lost between different staff.
How We Get Paid, in Plain English
Most people never ask this question, and the ones who do assume the answer will be embarrassing. It is not, so here it is in full:
Upfront commission
Trail commission
Your rate is unaffected
Fees, if any
Here is the part most broker websites skip: commission levels vary a little between lenders, and that is a genuine conflict. We do not deny it. We counter it by putting the reasoning behind every recommendation in writing, so you can see why a particular lender won for your circumstances and compare it against the alternatives yourself.
Is a broker worth it, then? For most borrowers, yes: one conversation covers a panel of lenders with different credit policies, pricing and appetite for your circumstances. The honest trade-off is that no panel, however wide, is every lender in the market, and we will tell you plainly if your situation would be better served somewhere outside ours.
Our Licence and Accreditations
You can verify every claim on this page against public registers, and you should. Here is exactly where our authority comes from:
Credit Licence Status
Credit work in Australia requires an Australian Credit Licence, held here by Connective Credit Services Pty Ltd under licence number 389328, which authorises the arranging and suggesting of home loans and is the legal foundation for everything this business does for clients.
Credit Representative Status
Your Mortgage Broker Sylvania operates as a credit representative, number 370592, authorised under that licence, which means every file is completed within a licensed framework with fully documented processes, compliant records of advice and independent oversight from the licensee's own compliance team.
How This Business Works
This business works with the same accountable broker from the first call through to settlement. Its credit representative number and Australian Credit Licence number are published in the footer, alongside fees disclosed in writing and a clear, simple published process.
AFCA Membership
Complaints have an independent path: Your Mortgage Broker Sylvania is a member of the Australian Financial Complaints Authority, the free external dispute resolution scheme that can review any lending complaint you escalate and can bind the licensee to a final determination you accept.
How it works
How We Work With You
The same four movements carry most files, and you can see where you are in them at any point:
- 1
Step 1
A strategy conversation about your goals, numbers and timelines.
- 2
Step 2
A shortlist with written reasoning behind each option.
- 3
Step 3
Lodgement, where we handle the lender's questions.
- 4
Step 4
Settlement, then a scheduled review of the loan.
Where we work
Areas We Service
Based here in the Shire, we work with borrowers across Sylvania and its neighbouring suburbs: Kangaroo Point, Blakehurst, Sylvania Waters, Miranda, Gymea and Kirrawee, from first purchases through to refinancing established family homes.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Sylvania?
Your Mortgage Broker Sylvania owns and runs Your Mortgage Broker Sylvania, operating as a credit representative under Connective Credit Services Pty Ltd's Australian Credit Licence. You deal with Your Mortgage Broker Sylvania directly from the first call through to settlement.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Sylvania is authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, as credit representative 370592, which legally permits us to arrange and suggest home loans.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays us an upfront commission and, in most cases, an ongoing commission while the loan runs. It does not come from your pocket or change your rate.
Do you get paid more for recommending certain lenders?
Commission levels vary slightly between lenders, which is a genuine conflict we name openly. We counter it by putting the reasoning behind every recommendation in writing before you commit to anything.
What happens if I have a complaint?
Raise it with us first and we will try to resolve it. If it remains unresolved, you can take it free of charge to the Australian Financial Complaints Authority, which can bind the licensee to an outcome.
How many lenders can you actually access?
We do not publish a lender count because panels change as lenders enter and exit the market. The current panel, including who pays what commission, is listed in the credit guide you receive before applying.
Mortgage broker for Sylvania and the suburbs around it
Get in Touch
Ready to talk through your situation with someone who will show you the numbers and the reasoning? Call Your Mortgage Broker Sylvania on (02) 9072 0668 for an unhurried first conversation, or explore our loan pages to see how we handle your circumstances.