About us
About Your Mortgage Broker Seaforth
A mortgage brokerage based in Seaforth, arranging home loans across the Northern Beaches under a full disclosure model: named broker, open payments, stated licence numbers, and a published process you can check line by line.
Why We Started a Broking Business in Seaforth
Bank borrowers in Seaforth get one assessment from one credit policy, in a suburb where a Battle Boulevard knock-down rebuild and a Mosman unit are different lending problems, and a single set of rules fits neither. We built a brokerage around the other approach.
Who You Actually Deal With
Your Mortgage Broker Seaforth is a new name, and we will not pretend otherwise; what we can show you is the person who fronts every file, their credentials, and exactly how far their accountability runs, stated below:
The Broker on File
Your file is handled by Your Mortgage Broker Seaforth, the same accountable broker from your first call through to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer, alongside fees disclosed in writing.
Local Case Experience
Seaforth lending means post-war weatherboard renovations on Battle Boulevard, double-brick rebuilds near Edgecliffe Esplanade, and family guarantees for first-home buyers priced out of a twenty per cent deposit on sloping Middle Harbour foreshore blocks, situations Your Mortgage Broker Seaforth handles every week.
Direct Access, No Handoff
There is no junior, no call centre and no handball between staff; you speak with Your Mortgage Broker Seaforth from the first conversation right through to settlement, and one person knows your file completely and can explain every decision made on it.
How We Get Paid, in Plain English
Most people never ask how a broker gets paid, because they assume the answer hides something; ours does not, so here is the whole picture in plain English, including the parts brokers usually mumble through.
Upfront commission
Trail commission
Your rate
Fees
One honest wrinkle: commission levels vary a little between lenders, which is a genuine conflict, and denying it would insult you. We manage it by putting the reasoning behind every recommendation in writing, naming the lenders compared and why the recommended one won, so you can challenge it.
Is a broker worth using, then? For a borrower who fits their own bank's policy perfectly, possibly not, and we will say so. For everyone else, a panel matched to your circumstances beats a single take-it-or-leave-it assessment, with one caveat stated plainly: no panel, however wide, covers every lender in the market.
Our Licence and Accreditations
You can verify everything on this page in minutes, no phone call required, because every number is stated rather than described; here is the compliance stack, checkable against public registers before you call:
Credit Licence Status
Home lending in Australia sits under the National Consumer Credit Protection Act, and Your Mortgage Broker Seaforth operates as a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, a licence number you can check on ASIC's public register.
Credit Representative Number
Our authorisation is recorded as Credit Representative 370592, held under Connective Credit Services Pty Ltd's licence, which means every document we prepare, every lender submission and every credit suggestion we make sits inside a regulated, fully traceable framework that ASIC directly supervises.
How We Work
Your Mortgage Broker Seaforth operates as a credit representative, number 370592, under Australian Credit Licence 389328, which is published in the footer. The broker handles your file from first call to settlement, and fees are disclosed in writing up front.
AFCA Membership
Complaints about Your Mortgage Broker Seaforth can be escalated free of charge to the Australian Financial Complaints Authority, the external dispute resolution scheme every authorised firm must belong to, and membership details are provided in our Credit Guide before you ever sign anything.
How We Work With You
We start with a conversation about your circumstances, not a product pitch, then map which lenders' policies already fit, lodge a complete file, and stay with you through to settlement, explaining each decision as it lands.
Where we work
Areas We Service
Based in Seaforth, postcode 2092, we work with borrowers across the northern side of Middle Harbour and surrounds, including Allambie Heights, North Balgowlah, Balgowlah, Clontarf, Mosman and Northbridge, plus the streets of Seaforth itself along Sydney Road and Battle Boulevard.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Seaforth?
Your Mortgage Broker Seaforth is owned and operated by Your Mortgage Broker Seaforth, a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd; the same person handles your file from first call to settlement.
Are you licensed to arrange home loans?
Yes, as a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, recorded as Credit Representative 370592, which you can verify on the ASIC register.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement and a smaller trail while the loan runs; neither comes from your pocket or changes your rate, and any fee on a complex file would be quoted in writing first.
Do you get paid more for recommending certain lenders?
Sometimes slightly, because commission levels vary a little between lenders; we name that conflict openly and put the reasoning behind every recommendation in writing, including which lenders were compared and why, so you can challenge it before signing.
What happens if I have a complaint?
Raise it with us first and we will respond within the timeframe in our Credit Guide; if unresolved, you can escalate free of charge to the Australian Financial Complaints Authority, the external scheme every authorised firm must belong to.
How many lenders can you actually access?
A panel of lenders spanning the major banks, smaller banks and non-banks, which we match to your circumstances rather than forcing your file through one bank's rules; no panel covers every lender in the market, and we say so plainly.
Mortgage broker for Seaforth and the suburbs around it
Get in Touch
If you want the numbers, the licence details and the payment structure before you commit to a conversation, that is exactly what this page gives you; call Your Mortgage Broker Seaforth on (02) 9072 0668 for a free, no-obligation chat with a named licensed broker.