About us
About Your Mortgage Broker Applecross
About Your Mortgage Broker Applecross is where you should be able to check who you are dealing with, how the business earns its income and what protections apply, so this page puts all three entirely on the record.
Why We Started a Broking Business in Applecross
The pattern behind this business: a borrower walks into their own bank, gets assessed against one credit policy, hears no, and believes their income or deposit is the problem. Applecross households, with a median household income of about $2,453 a week, deserve more than one opinion.
Who You Actually Deal With
Trust in broking starts with a named person whose credentials you can check, so this section introduces the individual who will run your file from beginning to end:
The Broker on File
Your point of contact from the first call through to settlement is Your Mortgage Broker Applecross, whose credit representative number 370592 is published in the footer with the Australian Credit Licence 389328. The same broker handles your file every time.
Local Case Experience
Files here tend to share a shape: a median household income around $2,453 a week, median mortgage repayments near $2,800 a month, and many owners upgrading within the same streets they already know, so we match each individual file accordingly.
Direct Access, No Handoff
You deal with the same person from strategy conversation to post-settlement review, because files are never handed to a call centre, a junior processor or an offshore team, and every question goes straight to the broker who knows your loan.
How We Get Paid, in Plain English
Most people assume a free service must have a catch, so here is the whole arrangement, written down rather than buried in a disclosure:
Upfront commission
Trail commission
Not your money
The exception
Now the uncomfortable part. Commission levels differ a little between lenders, so a genuine conflict exists: a broker could, in theory, favour the lender that pays more. Rather than pretend otherwise, every recommendation comes with written reasoning showing which lenders were assessed, why the shortlist was cut, and why the chosen structure suited your situation. You can interrogate the logic or reject it.
Is it worth using a broker at all? A good broker saves weeks of paperwork, knows which credit policies fit unusual income and deposits, and can route a file away from a lender that would decline it. Against that, any panel, however wide, is still not every lender in the market, and direct borrowers who enjoy the research can do it themselves. If you want the panel and the process, that is the case for us.
Our Licence and Accreditations
Claims about licensing are only useful if they carry numbers you can verify independently, so here are the details in full:
Credit Licence Status
Your Mortgage Broker Applecross operates as a credit representative under the Australian Credit Licence 389328 held by [LICENSEE NAME], which means the licensee's obligations, dispute processes and professional standards sit behind every piece of credit assistance this business provides to Australian consumers.
Representative Number
The representative number on file is 370592, recorded against Your Mortgage Broker Applecross and verifiable through the licensee, so you can confirm the authorisation yourself rather than taking a marketing claim at face value, which is exactly how it should be.
Industry Association
The business operates as a credit representative, number 370592, under Australian Credit Licence 389328, published in the footer. Fees are disclosed in writing, the process is published, and the same accountable broker reflects obligations above the legal minimum.
AFCA Membership
Your Mortgage Broker Applecross and its licensee hold membership of the Australian Financial Complaints Authority, an external dispute resolution body, so if a complaint cannot be resolved directly you have a free, independent avenue available without needing to engage a lawyer at all.
How We Work With You
The process is published, not improvised: an initial conversation about your position, a capacity assessment across panel lenders, a written recommendation with its reasoning, then lodgement, follow-up and settlement coordination. You always know which stage your file is at and what happens next, and if a stage slips, you hear it from us first.
Where we work
Areas We Service
Your Mortgage Broker Applecross works from Applecross across postcode 6153 and the neighbouring riverside suburbs, arranging home loans for buyers and owners in Mount Pleasant, Ardross and Alfred Cove, along with the wider City of Melville area.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Applecross?
The business is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Applecross as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME]. Full details appear in the credit guide.
Are you licensed to arrange home loans?
Yes. Credit assistance under the NCCP Act requires authorisation under an Australian Credit Licence, and this business holds credit representative number 370592 under the licence held by [LICENSEE NAME].
How do you get paid if I don't pay a fee?
For standard home and investment lending, the lender pays. An upfront commission is paid on settlement and a smaller trail commission runs while the loan stays on their books. Neither comes from your pocket.
Do you get paid more for recommending certain lenders?
Commission rates do vary slightly between lenders, and that is a real conflict worth naming. The answer is written reasoning: every recommendation explains why that lender and structure suited your file.
What happens if I have a complaint?
Raise it with us first and we will work to fix it quickly. If unresolved, it goes to the licensee's internal dispute process, then to AFCA, a free and independent external complaints body.
How many lenders can you actually access?
Our panel includes major banks, non-bank lenders and mutuals, with the current list disclosed in the credit guide at your first meeting. Honest answer: no panel covers every lender in the Australian market.
Mortgage broker for Applecross and the suburbs around it
Get in Touch
The next step is a conversation, not a commitment. Call (08) 6311 4005 to talk through your position with Your Mortgage Broker Applecross, ask anything about how the business is paid or licensed, and decide afterwards whether the approach suits you.