About us
About Your Mortgage Broker West Pymble
Your Mortgage Broker West Pymble is a mortgage broking practice serving West Pymble and the surrounding Ku-ring-gai suburbs, built on disclosed numbers, a published process and a named broker you can look up.
Why We Started a Broking Business in West Pymble
Borrowers here were doing the rounds of bank branches, getting one shelf of products presented as the whole market, and walking away unsure whether a better fit existed somewhere they never reached. A broker exists to close that gap.
Who You Actually Deal With
This section matters more than any marketing line we could write, because you can verify every word of it.
The Broker On Record
Your broker, Your Mortgage Broker West Pymble, handles your file personally from the first call through to settlement, so the person assessing your situation and the person lodging your file are always the same person, with fees disclosed in writing before you commit.
Local Files, Known Ground
Local files usually involve post-war weatherboard cottages on sloping blocks, major extensions and equity drawn from long family ownership, and Your Mortgage Broker West Pymble has worked files like these across West Pymble, Pymble and Gordon, and knows which lenders assess them sensibly.
One Person, Start To Finish
When you call, you speak with Your Mortgage Broker West Pymble directly on (02) 9072 0668, not a call centre queue or an assistant reading notes, and every decision, update and recommendation comes from the one person who has read your file from the beginning.
How We Get Paid, in Plain English
Most people never ask this question until it is too late to ask it comfortably, so here is the full answer before you commit to anything. In the great majority of cases, you pay us nothing. The lender pays us an upfront commission when your loan settles, and a smaller trail commission each year while the loan keeps running. Neither payment comes out of your pocket, and neither changes the rate or fees on your loan. If a file ever falls outside standard lending, for example a complex self-employed structure or an unusual security, a fee may apply, and in that case it is agreed with you in writing before any work begins.
Upfront commission
Trail commission
Fees to you
Your rate
Now the part most brokers leave out. Commission levels differ slightly from lender to lender, which creates a real conflict, and denying that would insult your intelligence. We manage it two ways: the credit guide you receive before applying lists what each lender pays, and the reasoning behind every recommendation is put in writing, so you can interrogate the logic rather than take it on faith.
Is it worth using a broker at all? A panel of lenders will always be compared against one bank shelf, which is the structural case for broking, but honesty requires the counterpoint: no panel covers every lender in the market. If your situation genuinely suits a lender we cannot access, we will tell you, and we would rather lose the file than pretend otherwise.
Our Licence and Accreditations
Four credentials, each independently checkable, and each one protecting you in a different way if something ever goes wrong.
The Licence Behind Us
Your Mortgage Broker West Pymble operates as a credit representative under an Australian Credit Licence, so the licensee carries legal responsibility for the credit assistance provided, and you can verify the licence and its conditions on the professional registers ASIC publishes, free of charge.
Our Representative Number
Credit Representative 370592 is authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, and that authorisation covers home and investment lending, refinancing and credit assistance, with the licensee's dispute resolution and supervision obligations sitting behind every recommendation.
Standards You Can Check
As a credit representative under credit licence 389328, the practice follows a published process from first call to settlement, and fees are disclosed in writing, so standards here rest on enforced rules and published commitments rather than intentions alone.
External Dispute Resolution
Membership of the Australian Financial Complaints Authority is a licence condition, not a courtesy, meaning an independent external dispute resolution body can review any complaint you raise, examine our conduct, and make a determination that binds us, not only you.
How We Work With You
The first conversation is free and covers your whole position, not one product. From there you get a tailored document checklist, written reasoning behind each option, and a stated timeline for every stage through to settlement and the annual review after it.
Where we work
Areas We Service
Your Mortgage Broker West Pymble works with borrowers across West Pymble and the neighbouring Ku-ring-gai and Ryde suburbs, including Turramurra, Pymble, Gordon, Killara, Macquarie Park and Marsfield. If you live in postcode 2073 or nearby, you are squarely within our patch.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker West Pymble?
Your Mortgage Broker West Pymble is a representative of Zanda Wealth Mortgage Brokers, a credit representative business run by Your Mortgage Broker West Pymble, operating under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. There is no call centre and no sales team behind it.
Are you licensed to arrange home loans?
Yes. We act as a credit representative under the NCCP Act, authorised by Connective Credit Services Pty Ltd through Australian Credit Licence 389328, and you can verify both on ASIC's professional registers.
How do you get paid if I don't pay a fee?
The lender pays us a commission when your loan settles, then a smaller trail commission while the loan runs. Neither comes out of your pocket, and neither changes your rate.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, and that is a genuine conflict worth naming rather than denying. We manage it by putting the reasoning behind every recommendation in writing so you can test it.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are unsatisfied, you can take it to AFCA, the independent external dispute resolution body, at no cost to you.
How many lenders can you actually access?
We write loans through a panel of lenders spanning major banks, smaller banks and non-bank lenders. The exact composition is disclosed in our credit guide before you apply.
Mortgage broker for West Pymble and the suburbs around it
Get in Touch
Call (02) 9072 0668 or send a message to book a free, no-obligation conversation with Your Mortgage Broker West Pymble. You will get a direct answer about your position, an honest read on your options, and no pressure to take either one further than you want.