About us
About Your Mortgage Broker Rangeville
Mortgage broker serving Rangeville and the wider Toowoomba region, Your Mortgage Broker Rangeville arranges home loans through a panel of lenders. This page sets out who we are, how we earn, and exactly who holds the licence behind our advice.
Why We Started a Broking Business in Rangeville
Ring enough banks and you learn the same lesson: nobody in the branch is paid to compare the market for you. We started this business because borrowers here deserved one person whose entire job is that comparison.
Who You Actually Deal With
The short answer to the trust question is a named person, fronting the licence personally, with credentials you can check and a number you can verify. That person is Your Mortgage Broker Rangeville, and the three points below cover the detail.
The Broker on File
Your Mortgage Broker Rangeville is a credit representative number 370592 under Connective Credit Services Pty Ltd, and handles every Rangeville application from the first call right through to settlement, specialising in the complex and grown-up lending files this suburb quietly generates week after week.
Local Case Experience
Experience here means files like yours: self-employed borrowers around Toowoomba, established owners restructuring after a fixed term ends, and upgraders juggling a bridging gap, situations that recur across this suburb because the local housing stock and household ages invite them.
Direct Access, No Handoff
You never get handed off to a call centre or an offshore processing queue, because the person who hears your goals on the first call is the same person who structures the application, negotiates with the lender and chases settlement.
How We Get Paid, in Plain English
Most people never ask this question out loud, which is precisely why it deserves a straight answer before you trust anyone with the biggest loan of your life. Here is the whole arrangement:
Upfront commission
Trail commission
What it costs you
Now the part most brokers skip. Commission levels vary a little between lenders, which is a genuine conflict of interest and we would rather name it than deny it. Our answer is to put the reasoning behind every recommendation in writing, including the alternatives considered and why the recommended lender won on policy fit and total cost.
A fee may apply on a complex file outside standard lending, such as unusual security or heavily contested income, and if so it is stated upfront in writing before you commit to anything.
Is it worth using a broker at all? A broker widens the field and carries the policy knowledge, but any panel, however wide, is still not every lender in the market, and we will say when your situation sits outside what we can compare.
Our Licence and Accreditations
Trust claims are cheap, licence numbers are not, so this page publishes all of them: the Australian Credit Licence behind our authorisation, our credit representative status, the industry association membership, and access to AFCA for external dispute resolution.
Credit Licence Status
Connective Credit Services Pty Ltd holds Australian Credit Licence 389328, issued by the Australian Securities and Investments Commission, which authorises the credit activities behind every loan this business arranges, and you can verify that licence number yourself on the public registers online.
Credit Representative Status
Trading as a credit representative, Your Mortgage Broker Rangeville operates under representative number 370592, which means conduct obligations flow from the licensee down to every single conversation you actually have, and the authorisation chain behind the advice is documented rather than implied.
One Broker, Fully Accountable
The broker behind this business handles your file personally from the first call through to settlement. You deal with one accountable person, not a call centre, and every step follows a published process with your fees disclosed clearly in writing.
AFCA Membership
Australian Financial Complaints Authority membership gives you access to an independent external dispute resolution body at no cost, covering complaints about the credit assistance this business provides, so you are never left relying solely on our internal process for redress.
How We Work With You
The first conversation covers your goals, income, deposit and timeline at no cost. From there we map the lending options, assemble the file, and stay with you through valuation, formal approval and settlement, with everything documented in writing along the way.
Where we work
Areas We Service
We are based in Rangeville and work across Toowoomba's surrounding suburbs, including Redwood, Withcott, Blanchview, Silver Ridge, Middle Ridge and Centenary Heights, with the same process and published fees applying everywhere.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Rangeville?
Your Mortgage Broker Rangeville is operated by Your Mortgage Broker Rangeville, a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. The brand fronts a real, accountable broker, not an anonymous national call centre.
Are you licensed to arrange home loans?
Yes. Credit assistance is provided under credit representative number 370592, authorised by Connective Credit Services Pty Ltd through Australian Credit Licence 389328. Both numbers appear in the credit guide you receive before any application begins.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays a commission: an upfront amount on settlement and a smaller trail amount while the loan runs. Neither comes from your pocket or changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, so yes, the amounts differ. We manage that conflict by putting the reasoning behind every recommendation in writing, including why the recommended lender beat the alternatives on policy and total cost.
What happens if I have a complaint?
Raise it with us first and we will respond within the timeframes in our complaints process. If you remain unsatisfied, AFCA provides free, independent external dispute resolution, and we will give you their contact details.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional lenders, non-banks and mutuals, and the confirmed count appears in the credit guide. Fit matters more than the number.
Mortgage broker for Rangeville and the suburbs around it
Get in Touch
Call (07) 3523 7116 to speak with Your Mortgage Broker Rangeville directly about your situation, or to ask a question before you are ready to proceed. The first conversation costs nothing, carries no obligation, and usually leaves you knowing exactly where you stand.