About us
About Your Mortgage Broker Woodcroft
Your Mortgage Broker Woodcroft is a mortgage broking business serving Woodcroft and the surrounding suburbs of Adelaide's south, built around one idea: a borrower should be able to see exactly who they are dealing with, how that person is licensed and how that person is paid.
Why We Started a Broking Business in Woodcroft
Buying here means dealing with lenders whose policies were written for completely different places. A typical Woodcroft household earns about $1,664 a week and pays a median mortgage of about $1,517 a month, yet most bank assessors have never assessed a street in Onkaparinga.
Who You Actually Deal With
No anonymous team page and no stock photo grid. Just the person whose name goes on your file, with credentials you can check and licence details sitting on the public register, which we think beats any faceless brand.
The Broker Behind Every File
Every file at Your Mortgage Broker Woodcroft is handled personally by Your Mortgage Broker Woodcroft from the first call through to settlement, and credit representative number 370592 and Australian Credit Licence 389328 are published in the footer so you can verify them yourself.
Local Files, Local Patterns
Woodcroft files follow familiar patterns here, from households earning about $1,664 a week repaying about $1,517 a month to buyers relying on casual and contract income, and recognising those patterns early shapes which lenders on the panel we approach first.
One Contact, Start to Finish
Nothing gets handed to a call centre or an assistant after your first conversation, because Your Mortgage Broker Woodcroft stays the single point of contact from strategy call through to settlement day, and you will have a direct line, never a queue.
How We Get Paid, in Plain English
Most people assume the borrower pays the broker. Here is what actually happens, and the conflict inside it that we would rather name than hide:
Upfront commission
Trail commission
Fees on complex work
Now the uncomfortable part: commission sizes vary a little between lenders, and pretending otherwise would be dishonest. That is a genuine conflict, managed by putting the reasoning behind every recommendation in writing alongside the commission attached, so you can always see why a lender was suggested and what we earn from it.
Is it worth using a broker at all? Here is the honest trade-off: a panel, however wide, is still not every lender in the market, so you gain breadth across many credit policies and give up a slice of the long tail. A branch lender offers the opposite trade, one bank's full range and nothing beyond it. Neither model covers everything.
Our Licence and Accreditations
Every number that governs this business is published below rather than buried in a credit guide, and if any figure here does not match the public registers, treat that as a reason to walk away.
The Licence That Backs Us
Broking in Australia is regulated through the National Consumer Credit Protection Act, and our authority to arrange home loans sits under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, so every credit activity we perform is traceable to it.
Credit Representative Status
Your Mortgage Broker Woodcroft operates as a credit representative under that licence, registered as credit representative number 370592, which means the licensee remains accountable for the advice given, the systems used and the compliance obligations that surround every loan we help arrange.
How We Work
You deal with Your Mortgage Broker Woodcroft directly from the first call through to settlement, supported by a clear code of practice and published process, while our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
AFCA and Your Complaints
Complaints never disappear into our own office, because membership of the Australian Financial Complaints Authority gives you access to a free, independent external dispute resolution service, and our member number is available in the credit guide before any engagement begins.
How We Work With You
Every engagement follows the same shape: a free strategy call, a clear picture of your realistic position, a shortlist explained in plain terms, then lodgement and follow-up until settlement. You will know what each stage involves and roughly how long it takes before we begin.
Areas We Service
Your Mortgage Broker Woodcroft works across Woodcroft and the City of Onkaparinga, including Reynella East, Happy Valley, Chandlers Hill, Clarendon, Onkaparinga Hills and Hackham. If you are nearby and not listed, call anyway: most of the southern corridor is well within reach.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Woodcroft?
Owned and operated by Your Mortgage Broker Woodcroft, a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. The licensee, representative number and association membership all appear above.
Are you licensed to arrange home loans?
Yes, through credit representative number 370592, authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. That covers credit assistance and arranging loans under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
The lender pays an upfront commission on settlement and a small trail commission while the loan runs. Neither comes from your pocket, neither changes your loan, and both are disclosed in writing before you apply.
Do you get paid more for recommending certain lenders?
Sometimes commission differs a little between lenders, and we will not pretend otherwise. That is why the reasoning and commission behind every recommendation go in writing, so you can check the advice, not just take it.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If unresolved, you can take it to the Australian Financial Complaints Authority, a free and independent dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders assembled by our licensee, spanning major banks and smaller institutions. No panel covers every lender in Australia, and we will say honestly where yours sits outside it.
Mortgage broker for Woodcroft and the suburbs around it
Get in Touch
The first conversation costs nothing and carries no obligation: it is a straight discussion of where you stand and which lenders suit that position. Call (08) 8451 3906 or send the form and Your Mortgage Broker Woodcroft will ring you back personally, usually the same business day.