About us
About Your Mortgage Broker Carseldine
About Your Mortgage Broker Carseldine: who is behind this business, how it is licensed, how it is paid and what you can verify independently, all set out plainly before you share a single financial document with us.
Why We Started a Broking Business in Carseldine
Too many households here were taking whatever their bank offered, never learning that a different lender assessed their exact income completely differently. Broking exists to close that gap, and Carseldine borrowers deserve someone local doing it.
Who You Actually Deal With
Business names are anonymous by design, so here is the opposite: the actual person who will handle your loan, their credentials, and how the working relationship functions day to day. Three things worth knowing before you hand over financial documents:
The Broker on File
Your Mortgage Broker Carseldine is the accountable broker on your file from the first call through to settlement, so you always deal with one person who knows your situation, your goals and every step of your application, with fees disclosed in writing.
Local Experience That Counts
Experience with Carseldine files runs from first homes near the train line to refinances for families trading up in Bridgeman Downs, and this matters because lender policy reads a household income very differently when the numbers behind it are self-employed.
Direct Access, No Handoff
You deal directly with Your Mortgage Broker Carseldine at every stage rather than being handed to an assistant or a call centre, which means questions get answered by the person who actually knows your file, usually the same day you ask them.
How We Get Paid, in Plain English
Most borrowers never learn how their broker is paid, which suits everyone except the borrower. Here is the whole arrangement, written the way we would explain it across a kitchen table.
Upfront commission
Trail commission
What you pay
When a fee applies
Naming the conflict honestly: commission amounts differ a little from lender to lender, which means our income is not perfectly identical across every possible recommendation. We do not pretend otherwise. What we do instead is put the reasoning behind every recommendation in writing, listing the lenders we considered and why the one we suggested came out ahead on your numbers, so you can interrogate the logic or take it elsewhere for a second opinion.
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, while a bank branch is one rulebook. A broker trades a slice of market coverage for breadth, policy knowledge and a person who does the paperwork. For most households juggling work, kids and a deposit, that trade is an easy one, but it is your call to make with the facts on the table.
Our Licence and Accreditations
You can verify every claim on this page independently, which is precisely the point of stating it. Licence numbers, association membership and dispute resolution details are all public records, and here they are:
Credit Licence Status
Credit assistance is provided under Australian Credit Licence 389328, held by [LICENSEE NAME], which means the licensee carries the legal obligations under the National Consumer Credit Protection Act and is accountable to ASIC for everything arranged on your behalf.
Credit Representative Status
Your Mortgage Broker Carseldine operates as a credit representative number 370592 under that licence, a structure letting a local business serve Carseldine borrowers while the licensee supervises compliance, audits the files each year and holds professional indemnity cover over the advice given.
How We Work
Your loan is handled by the same accountable broker from the first call through to settlement. We operate as a credit representative, number 370592, under Australian Credit Licence 389328, with fees disclosed in writing and our process published.
AFCA Membership
Complaints that cannot be resolved directly go to the Australian Financial Complaints Authority, an independent external dispute resolution service, and membership of AFCA is a condition of holding credit representation, so you always have somewhere to take a formal dispute.
How We Work With You
Knowing who we are and how we are paid, the last piece is the working process itself. It runs in five published stages with stated timelines, set out in full on our home page.
Where we work
Areas We Service
We work across Carseldine and the surrounding northern Brisbane suburbs, including Bald Hills, Fitzgibbon, Zillmere, Aspley and Bridgeman Downs, as well as the wider City of Brisbane area. If you are nearby and not listed, ask anyway.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Carseldine?
Your Mortgage Broker Carseldine is owned and operated by Your Mortgage Broker Carseldine as a credit representative of [LICENSEE NAME], which holds the Australian Credit Licence. The business serves Carseldine and the surrounding northern Brisbane suburbs.
Are you licensed to arrange home loans?
Yes. Arranging home loans is credit assistance under the National Consumer Credit Protection Act, provided as credit representative 370592 under Australian Credit Licence 389328 held by [LICENSEE NAME].
How do you get paid if I don't pay a fee?
Generally the lender that settles your loan pays us commission, both an upfront amount at settlement and a small trailing amount while the loan runs, so most clients pay us nothing directly.
Do you get paid more for recommending certain lenders?
Commission rates vary slightly between lenders, which is a genuine conflict we name rather than deny. Our answer is to put the reasoning behind every recommendation in writing, so you can see exactly why a lender was suggested.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If it is not resolved, you can take the complaint to AFCA, an independent external dispute resolution service, at no cost to you.
How many lenders can you actually access?
We work through a panel of lenders set by our licensee, spanning major banks, regional banks and specialist non bank lenders. No panel covers every lender in Australia, and we tell you when your situation sits outside it.
Mortgage broker for Carseldine and the suburbs around it
Get in Touch
Call (07) 3523 7109 to talk through your situation with Your Mortgage Broker Carseldine, or book a free strategy session. You will get a straight assessment of your borrowing position, with no obligation and nothing to prepare beforehand.