About us
About Your Mortgage Broker Aberfeldie
Your Mortgage Broker Aberfeldie is a mortgage broking business serving Aberfeldie and the surrounding Moonee Valley suburbs, built on one simple position: a named broker, published fees, a published process and honest answers, including the answers that cost us business.
Why We Started a Broking Business in Aberfeldie
Buyers here kept telling the same story: weeks inside a bank portal, calls to a contact centre, then a decline with no explanation and no alternative offered. We started this business because that experience should not be normal. You can see what we do about it on the home page, but this page explains who we are.
Who You Actually Deal With
The person who answers your first call is the person who builds your file, lodges your application and speaks to the lender's assessor. There is no handoff, no junior and no queue. Here is exactly who you deal with:
The Broker on Your File
Your application is handled personally by Your Mortgage Broker Aberfeldie, from the first call through to settlement, with support for self-employed income, refinancing, investment lending and first home buyers across Melbourne's inner north-western suburbs, backed by clear fees and a published process.
Local Files, Familiar Shapes
Local files here follow familiar shapes: established family homes on generous blocks, renovations to ageing brick veneers, and moves within Moonee Valley, so the lending patterns, policies and quirks that suit this postcode are already completely second nature to us.
One Person, Start to Finish
From the opening conversation through to settlement day and the review afterwards, one person holds your file, answers your calls and speaks to the lender, which means nothing gets lost in a lender portal or an outsourced call centre queue.
How We Get Paid, in Plain English
Almost no broker publishes this, and the silence feeds the scepticism, so here it is plainly:
Upfront commission
Trail commission
What you pay
When a fee applies
Now the uncomfortable part. Commission sizes differ a little between lenders, which means we technically earn marginally more from some recommendations than others. Pretending otherwise is what gives brokers a bad name. Our answer is to put the reasoning behind every recommendation in writing: the lenders considered, why the recommended one won, and what the alternatives were, so you can interrogate the logic rather than take it on faith.
Is it worth using a broker? Sometimes the honest answer is no. If your existing lender already suits your situation, we will say so. And any panel, ours included, is still not every lender in the market, which matters if your circumstances are genuinely unusual.
Our Licence and Accreditations
Trust in finance should be checkable, not asserted. Every number below can be verified independently, and we would rather you check them than take our word for anything:
Australian Credit Licence
Australian credit law requires anyone arranging home loans for a fee to operate under an Australian Credit Licence, and this business does exactly that as a credit representative, with the licensee responsible for our conduct and our ongoing compliance obligations.
Our Representative Number
Our credit representative number is 370592, issued to authorise this brand name under Australian Credit Licence 389328, held by [LICENSEE NAME], and both numbers appear on every single page of this site, sitting alongside our published fee disclosures.
Industry Association
Our team follows a published process from first call to settlement, with the same accountable broker handling your file throughout. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer, alongside written fee disclosures.
AFCA Membership
Should a complaint ever arise that we cannot resolve directly, the Australian Financial Complaints Authority provides independent, free and accessible dispute resolution, this business holds current membership, and our member number is published in our Credit Guide for your records.
How We Work With You
Working with us follows a published process with real timelines, from a first strategy call through to a review we book after settlement. You will always know what happens next, who is doing it and roughly when:
Areas We Service
Your Mortgage Broker Aberfeldie is based in Aberfeldie and works across Moonee Valley and the neighbouring riverside suburbs, including Essendon, Moonee Ponds, Maribyrnong and Essendon West. If your property or your plans sit slightly outside these areas, ask anyway, because we can usually still help.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Aberfeldie?
Your Mortgage Broker Aberfeldie is operated by Your Mortgage Broker Aberfeldie as a representative of Zanda Wealth Mortgage Brokers, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. Ownership and accountability sit with a named, licensed person.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], and our representative number is 370592. That authorisation covers arranging home loans and providing credit assistance under the NCCP Act.
How do you get paid if I don't pay a fee?
For most home loans you pay us nothing, because the lender pays commission once your loan settles. If a situation ever attracts a fee, such as a complex file outside standard lending, we state the amount in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary slightly between lenders, and that is a genuine conflict we will not deny. We manage it by putting the reasoning behind every recommendation in writing, and disclosing all commissions in our Credit Guide.
What happens if I have a complaint?
Raise it with us first and we will work to fix it quickly. If we cannot resolve it to your satisfaction, you can take the complaint to the Australian Financial Complaints Authority, which offers free, independent dispute resolution.
How many lenders can you actually access?
We work with a panel spanning major banks, smaller banks and non-bank lenders. That breadth covers most situations, though we will say plainly that no panel, however wide, includes every lender in the Australian market.
Mortgage broker for Aberfeldie and the suburbs around it
Get in Touch
Call (03) 9122 8522 for a no-cost strategy conversation with Your Mortgage Broker Aberfeldie, or start with our first home buyer or refinance pages first. Either way, you will leave the conversation knowing exactly where you stand.