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Meet Your Team of Brokers

Who We Are

Welcome to Your Advisor Group. We're your team of professional finance and mortgage brokers working hard to find you the best deal possible. Based in Burleigh Heads on the Gold Coast, we service Australia-wide and have access to over 60 banks and lenders.


Headed by principal broker Tyler Cornish, Your Advisor Group works with individuals and businesses to secure everything from home and investment loans to car loans, personal loans, commercial loans and everything in between. For a team that puts your best interests first, get in touch today.

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The YAG Team

Tyler Cornish

Principal Mortgage Broker

0418 857 222

(07) 5534 8000
tyler@yag.com.au

Tyler is our principal mortgage broker at Your Advisor Group, being in the industry for nine years his experience and knowledge allow YAG’s clients to receive the highest chance of a loan approval. Having helped all types of clients from first home buyers to experienced investors, Tyler takes the time to educate all his customers throughout their loan applications. Whilst he isn’t helping clients with their loan approvals Tyler is an avid sports fan, with Australian Rules Football being his passion along with the occasional game of golf.

David Bell

Brokers Assistant

(07) 5543 8000

david@yag.com.au

David is a dedicated mortgage broker who works hard to help his clients achieve their financial goals. He came to Your Advisor Group from a teaching background, where he uses his excellent communication skills, attention to detail, and ability to find the best mortgage solutions for his clients. When he's not working, David loves to stay active by running and playing golf. He has developed a passion for the sport over the years and tries to play as often as he can. Whether you're a first-time homebuyer or looking to refinance your existing mortgage, David has the expertise and experience to help you achieve your financial goals.

Our Code Of Ethics

We are serious about the commitment we make to our customers.

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Transparency

We do all that is possible to ensure our customers are fully informed about why we make the loan recommendations we do, and how we get paid.

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Governance & Culture

We will always act in accordance with applicable laws and cooperate with any regulatory bodies. We see our role as constantly adapting, leading and shaping best practice in the industry.

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Conflicts of Interest

Conflicts can happen from time-to-time. When any conflict of interest exists, we will disclose them to our customer and always give priority to their needs.

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Commitment

To deliver outstanding results for you, we invest in ourselves and our business. You can have confidence we maintain, develop and apply a high level of knowledge and skills to meet all required industry standards and qualifications.

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Quality

We will do everything possible to ensure records of clients are retained, maintained and kept in a form that is complete, accurate and safe.

Do I have to pay to use a broker?

There are a lot of misconceptions that mortgage brokers charge hefty fees. Generally this is not the case. Typically a mortgage broker will be paid by the lender (ie no additional cost to you) in the following way:


  1. UPFRONT PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. A one-off payment called an upfront commission is usually between 0.65% to 0.7% of the loan amount (+gst). We do all the legwork to get your loan approved.

  2. TRAIL PAYMENT PAID TO ME BY THE LENDER, NOT BY YOU. ‘Trail’ or ongoing commission is usually 0.15% p.a., based on the balance of your loan. We’ll be in regular contact with you to check in on your situation and make sure your loan continues to work hard for you, your changing situation and goals.

How that plays out

Let’s say you choose to take out a $500,000 loan with Bank ABC.

I will be paid:

  1. An upfront commission of $3,250 (based on a 0.65% upfront payment rate)
  2. A trail payment of:
  3. $750 in the first year with a loan balance of $500,000
  4. $675 in the second year if your loan balance was $450,000
  5. $600 in the third year if your loan balance was $400,000



The trail payment will continue until you pay off your loan or your loan is changed. It will also cease if your loan ever enters in to default or arrears.

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