About us
About Your Mortgage Broker Warrandyte
Your Mortgage Broker Warrandyte is a mortgage broking business serving Warrandyte and the surrounding Manningham suburbs, and this page sets out who runs it, how it is paid, what licences sit behind it, and what you can hold it to.
Why We Started a Broking Business in Warrandyte
Buying here is expensive, with the median household paying about $2,200 a month, yet most people hear only one lender's pitch. This business exists because neighbours were settling for the first offer put in front of them.
Who You Actually Deal With
What matters most on any broking site is who answers the phone, because a brand name says nothing about the person handling your file, so the three points below set out exactly who that is and how the arrangement runs:
The Broker on File
Your Mortgage Broker Warrandyte handles every Warrandyte file personally, from the first strategy call right through to settlement day and every review beyond. Our credit representative number 370592 and Australian Credit Licence 389328 are always published in the website footer.
Local File Experience
Local files here follow a familiar pattern, with nearly half of dwellings still being paid off and a median repayment around $2,200 a month, so the work on your file draws on households much like yours across Warrandyte and Manningham.
Direct Access, No Handoff
You will never be handed to a call centre or juniors, because the person who assesses your position is the person who answers your calls, and that continuity runs from the initial conversation until the loan has settled and beyond.
How We Get Paid, in Plain English
A service that costs nothing usually hides a catch, so here is the entire arrangement, once and in full:
Upfront commission
Trail commission
What you pay
A fee may apply where a file sits outside standard lending, such as complex trusts, mixed security or commercial purposes. Any fee appears in the credit guide and is agreed in writing before work starts.
Now the part most brokers skip: commissions vary a little between lenders, so one recommendation could earn slightly more than another, and Your Mortgage Broker Warrandyte names that conflict rather than denying it. The safeguard is written reasoning: every recommendation sets out the lenders considered, why each was ruled in or out, and what the choice turned on.
Is it worth using a broker at all? The honest trade-off is that any panel, however wide, is still not every lender in the market. What you gain is breadth, someone who assembles and checks the file, and a named person accountable for the advice, against that narrower slice of coverage.
Our Licence and Accreditations
Trust claims are cheap, licence numbers are checkable, so here are the actual identifiers, each one independently verifiable before you speak to anyone:
Australian Credit Licence
Connective Credit Services Pty Ltd holds Australian Credit Licence 389328, issued by the Australian Securities and Investments Commission, which authorises the credit activities this business performs, and you can verify the licence yourself through the professional registers published on the ASIC website.
Credit Representative Status
Your Mortgage Broker Warrandyte operates as a credit representative under that licence, with representative number 370592 recorded against it, meaning the obligations, supervision and dispute resolution all sit with the licensee rather than with the brand name alone, which keeps accountability clear.
Accountability You Can Check
Alongside the licence arrangements shown in the footer, Your Mortgage Broker Warrandyte follows a documented code of practice and completes ongoing professional development each year, giving you additional accountability beyond what the licence on its own demands, from first call to settlement.
AFCA Membership
Complaints go through the Australian Financial Complaints Authority, an independent external dispute resolution body, and membership is a condition of holding credit authorisation, so you always have somewhere to take a dispute that sits outside this business and its licensee.
How We Work With You
You bring the goal, we map the lending structure that fits it, then the process runs on published timelines with the reasoning behind each recommendation in writing, from the first call through to settlement and the review after it.
Where we work
Areas We Service
From Warrandyte we arrange lending across Melbourne's north-east fringe, including Wonga Park, Warrandyte South, Park Orchards, Donvale and Templestowe, with every suburb across the City of Manningham covered by the same broker and the same published process.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Warrandyte?
Your Mortgage Broker Warrandyte is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Warrandyte as a credit representative. No franchise, no head office and no third party sits behind the advice you receive.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Warrandyte acts as credit representative 370592 under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, and both numbers are verifiable on the ASIC professional registers.
How do you get paid if I don't pay a fee?
The lender pays a commission after settlement, plus a smaller trail while the loan runs. Neither comes from your pocket or changes your rate, and any fee on a complex file is agreed in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts do vary slightly between lenders, and pretending otherwise would be dishonest. That is why the reasoning behind every recommendation goes in writing, showing which lenders were considered and why the chosen one suited your file.
What happens if I have a complaint?
Raise it with us first and it is handled under the licensee's internal dispute resolution process. If you are not satisfied, take it to the Australian Financial Complaints Authority, a free and independent external service.
How many lenders can you actually access?
The panel includes major banks, smaller banks and non-bank lenders, and the exact count comes from the licensee. The credit guide lists every panel member and their commission arrangements, and you receive it before signing anything.
Mortgage broker for Warrandyte and the suburbs around it
Get in Touch
Call (03) 9122 8521 to talk through your plans with Your Mortgage Broker Warrandyte, or send details and a suitable time to reach you. One conversation usually clarifies your position, with no pressure to go further.