About us
About Your Mortgage Broker Rural View
Your Mortgage Broker Rural View exists to give Rural View households a straight answer about home lending, delivered by a person whose name and licence number you can check, under a commission structure published before you commit to anything.
Why We Started a Broking Business in Rural View
Getting a loan the traditional way means one bank, one credit policy and one answer, and branch cutbacks have made that single desk harder to reach than ever. Your Mortgage Broker Rural View started because Rural View households deserve more than one opinion on the biggest debt of their lives.
Who You Actually Deal With
There is no anonymous brand between you and the person assessing your loan, so here is exactly who that person is:
The Broker on File
Your Mortgage Broker Rural View fronts this business personally, and every Rural View file is assessed by that same person from first call through to settlement day, with fees disclosed in writing and the process published for you to follow at every step.
Local Files, Familiar Shapes
Local files follow familiar shapes, growing families upgrading into four bedroom homes, first buyers chasing the state grant, and owners building among the 383 dwellings approved over five years, so patterns get recognised and lender choices reflect what wins approval.
No Handoffs, Ever
Opening the conversation means speaking directly with the person assessing your file, and nothing gets handed to a junior or an app that forgets you, because continuity from enquiry to settlement is how detail survives and mistakes get caught early.
How We Get Paid, in Plain English
Most people never ask how a "free" broker eats, and the industry has historically been happy to leave it that way. Here is the whole picture, unedited.
Upfront commission
Trail commission
Your rate is untouched
The exception
Now the part most brokers will not volunteer: commission amounts vary a little between lenders, which means there is a genuine financial conflict in any broking model. We would rather name it than deny it. Our answer is to put the reasoning behind every recommendation in writing, lender by lender, so you can see why a file was placed where it was and challenge it before you sign.
And the honest trade-off on whether a broker is worth using at all: a panel of lenders, however wide, is still not every lender in the market. Some lenders deal directly with the public only. What you gain in exchange is breadth, speed and credit policy knowledge that no single bank can offer you.
Our Licence and Accreditations
Trust in this industry should be checkable, not felt, so here are the numbers and bodies that govern us:
The Credit Licence
Credit coverage comes through Connective Credit Services Pty Ltd, which holds Australian Credit Licence 389328 issued by ASIC, authorising arranging, suggesting and providing credit assistance for home and investment lending under the National Consumer Credit Protection Act, the framework governing every lender.
Our Representative Status
Your Mortgage Broker Rural View operates as a credit representative of Connective Credit Services Pty Ltd under credit representative number 370592, which means compliance obligations, dispute resolution and supervision sit with the licensee, while day to day broking decisions and client relationships remain local and personal.
How We Work
We follow a published code of conduct and an external complaint pathway, so borrowers can go beyond our complaint process if standards slipped. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer.
External Dispute Resolution
Membership of the Australian Financial Complaints Authority gives you access to an independent external dispute resolution body, so if a disagreement about our service cannot be resolved directly, an impartial decision maker can review the file without you paying anything.
How We Work With You
The engagement follows four published stages, each with a stated timeframe: a no-cost first conversation about your goals, a full borrowing position built from your real numbers, two or three structured options compared side by side, then lodgement, approval tracking and settlement support through to the keys.
Where we work
Areas We Service
Rural View is home base, and the work reaches across Mackay's northern beaches and growth corridor, covering Bucasia, Eimeo, Blacks Beach, Beaconsfield, Richmond and Nindaroo, each with its own suburb page carrying local figures.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Rural View?
Your Mortgage Broker Rural View is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Rural View as a credit representative authorised under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd.
Are you licensed to arrange home loans?
Yes, through Connective Credit Services Pty Ltd, which holds Australian Credit Licence 389328. Our credit representative number is 370592, and both appear in the credit guide you receive before any credit assistance begins.
How do you get paid if I don't pay a fee?
The lender that writes your loan pays us a commission at settlement, then a smaller trail commission while the loan runs. Neither comes from your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Yes, commission amounts vary a little between lenders, which is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, so you can question it before proceeding.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If unresolved, you can take the matter to the Australian Financial Complaints Authority, an independent body whose service costs you nothing.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional banks and non-bank lenders. The exact panel is disclosed in our credit guide at your first meeting, so you can see it in full.
Mortgage broker for Rural View and the suburbs around it
Get in Touch
The first conversation costs nothing and commits you to nothing, and it is with the person who will actually run your file. Call (07) 3523 7116 to talk through your position with Your Mortgage Broker Rural View, or explore the loan guides across this site first.