About us
About Your Mortgage Broker Pelican Waters
A short page with a long memory: who we are, how we are licensed and exactly how the money works, all in the open.
Why We Started a Broking Business in Pelican Waters
Plenty of local borrowers have sat in a branch, answered every question honestly and still walked away with a no, a loan structure that never suited them or no explanation at all. That experience is why Your Mortgage Broker Pelican Waters exists.
Who You Actually Deal With
A brand is only ever as good as the person standing behind it, so rather than hiding behind the brand, here is exactly who answers when you call, what they hold and how the working relationship runs:
Meet Your Mortgage Broker Pelican Waters
Every enquiry to Your Mortgage Broker Pelican Waters lands with Your Mortgage Broker Pelican Waters, who handles your file from the first call through to settlement, arranging residential purchases, refinances, construction projects and self employed files for Queensland borrowers. Credit representative 370592 appears in the footer.
Local Files, Daily
Around Pelican Waters the files we see most are refinances, equity funded upgrades and building projects, because a suburb of mostly owned and recently built houses generates exactly that mix, and each case has shaped how we present applications here.
You, the Whole Way
You deal with the same person from the first phone call through to settlement and beyond, with no call centre, no handoff to an offshore processing team and no repeating your story every time you have a question worth asking.
How We Get Paid, in Plain English
Most borrowers quietly assume a broker costs them money, and the suspicion is reasonable enough that it deserves a straight answer rather than marketing gloss. Here is exactly where the money comes from:
Upfront commission
Trail commission
Client fees
Now the uncomfortable part. Commission levels vary a little between lenders, which creates a genuine conflict of interest, and pretending otherwise would be insulting. Our answer is to put the reasoning behind every recommendation in writing: which lenders were considered, why the shortlist was cut and what the recommended structure actually does.
Is it worth using a broker at all? For a straightforward file with a tidy salaried borrower, possibly not. For anyone self employed, building, investing, refinancing with complications or carrying anything a branch policy dislikes, panel access earns its keep. One honest trade-off remains: even a wide panel is not every lender in Australia, and a handful of direct-only lenders sit outside any broker's reach, ours included.
Our Licence and Accreditations
None of this needs to be taken on faith, because every number below can be checked against a public register before you share a single document with us, and we would encourage exactly that:
Australian Credit Licence
Connective Credit Services Pty Ltd holds Australian Credit Licence 389328 from the corporate regulator, which authorises the licensee to engage in credit activities under the National Consumer Credit Protection Act and can be checked on the regulator's public registers at any time.
Our Representative Status
Your Mortgage Broker Pelican Waters operates as a credit representative of that licensee, with representative number 370592, which means the licence obligations, the responsible lending duties and the conduct standards sit behind every recommendation we make, even though the brand name is new.
Accountability You Can Check
When you work with Your Mortgage Broker Pelican Waters, the same accountable broker handles your file from the first call through to settlement. As a credit representative, our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
AFCA Membership Explained
Complaints that cannot be resolved directly go to the Australian Financial Complaints Authority, of which the licensee is a member, an independent and free external dispute resolution service whose membership details appear in our Credit Guide provided at the start.
How We Work With You
Knowing who we are and how we are paid is half the decision. The other half is what happens after you make contact, and that runs in four published steps: a first conversation, capacity work across the panel, a written shortlist, then application management through to settlement, each stage with its own stated timeline.
Where we work
Areas We Service
From Pelican Waters we work across the southern Sunshine Coast, serving Caloundra West, Golden Beach, Coochin Creek and Bells Creek, as well as this suburb itself, where around twenty-nine per cent of dwellings are still being paid off.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Pelican Waters?
Your Mortgage Broker Pelican Waters is operated by Your Mortgage Broker Pelican Waters, a credit representative authorised under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd. The brand is local; the licence, its obligations and its accountability all sit with the licensee.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, as credit representative 370592. That authorisation permits us to arrange home loans under the National Consumer Credit Protection Act, and the numbers are publicly verifiable.
How do you get paid if I don't pay a fee?
The lender pays us a commission after your loan settles, with trail commission following while the loan stays with that lender. Neither payment comes from you or changes the lender's offer. Any fee is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, slightly, yes. Commission amounts differ a little between lenders, and that is a real conflict we will not pretend away. Our answer is transparency: every recommendation comes with written reasoning showing which lenders were assessed and why.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it is not resolved to your satisfaction, you can take it to the Australian Financial Complaints Authority, an independent and free external dispute resolution service, at any time.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks and non bank lenders. The panel shifts as products change, and a handful of direct-only lenders sit outside it, which we would disclose if that is where your best fit lay.
Mortgage broker for Pelican Waters and the suburbs around it
Get in Touch
Call (07) 3523 7115 or book a strategy call and get a clear borrowing picture before you commit to anything. The first conversation costs nothing, the process is written down, and every credential on this page can be verified today.