About us
About Your Mortgage Broker Killarney Heights
Your Mortgage Broker Killarney Heights is a mortgage broking practice serving Killarney Heights and the surrounding northern Sydney suburbs, operating as a credit representative of an Australian Credit Licence holder. This page sets out who we are, how we are paid and how we are regulated, in full.
Why We Started a Broking Business in Killarney Heights
Too many households here discover lender credit policy the hard way, after a decline another institution would never have issued. Those wasted months are exactly what a good broker exists to prevent, and this practice was built around that.
Who You Actually Deal With
You are not hiring a brand, you are hiring a person, so it matters who answers when you ring. This is who fronts the licence and what they bring to your file:
The Broker on File
When you enquire you deal directly with Your Mortgage Broker Killarney Heights, the accountable broker handling your file from first call to settlement, operating as a credit representative whose number 370592 and Australian Credit Licence 389328 are published in the footer.
Local File Experience
Files from this part of Sydney follow recognisable patterns, from refinancing a large family home near Garigal National Park to structuring a purchase for the many French expatriate households who have settled here, and Your Mortgage Broker Killarney Heights has handled them directly.
One Person, Start to Finish
Nothing about your file gets handed off to a call centre or a junior, because the person who takes your first call is the same person who lodges the application, negotiates with the lender and rings you when something changes.
How We Get Paid, in Plain English
Most people assume a broker is another middleman taking a cut from them, and the honest answer is better than that: on standard home loans the lender pays us, not you. Here is the full picture:
Upfront commission
Trail commission
Rates and costs
When a fee applies
Now the part most brokers will not say plainly. Commission size does vary somewhat between lenders, so we could earn slightly more from one recommendation than another. That is a genuine conflict, and denying it would be worse than naming it. We manage it by documenting, in writing, which lenders were considered, why they made the shortlist and what the recommendation rests on, so you can interrogate the reasoning rather than take it on faith.
Is it worth using a broker at all? It is a trade. You give up the small chance that a lender outside the panel might have priced your file sharper, and in exchange you get someone comparing credit policy across many lenders at once, doing the paperwork, and remaining answerable after settlement. For most households that trade is clearly worth making, but it deserves honest description, and it just got one.
Our Licence and Accreditations
Trust claims are cheap and licence numbers are not, because both below can be checked by anyone in about two minutes. Here is exactly what we operate under:
Credit Licence Status
Your Mortgage Broker Killarney Heights does not hold its own licence, and that distinction matters, because every credit activity the business undertakes happens under Australian Credit Licence 389328, held by [LICENSEE NAME], which carries full legal responsibility for the advice and lending conduct.
Credit Representative Status
The business operates as Credit Representative 370592 under that licence, which means its conduct is recorded, supervised and enforceable by the regulator, and you can verify both numbers yourself through ASIC's professional registers at any point before signing anything.
Accountable Lending Practice
At Your Mortgage Broker Killarney Heights, one accountable broker handles your file from the first call through to settlement. The business operates as a credit representative, with its credit representative number 370592 and Australian Credit Licence 389328 published in the footer.
External Dispute Resolution
Membership of the Australian Financial Complaints Authority, member number [AFCA NUMBER], gives every client access to a free, independent and binding external dispute resolution service, so a complaint never has to depend on us agreeing that we got something wrong.
How We Work With You
Knowing who we are and how we are paid only matters if the working relationship is clear too, so here is the shape of it, from first conversation to the review that follows settlement:
Where we work
Areas We Service
We are based in Killarney Heights and work across the Northern Beaches and lower North Shore, including Forestville, Allambie Heights, Seaforth, Castle Cove, Roseville Chase and East Lindfield.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Killarney Heights?
Your Mortgage Broker Killarney Heights is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Killarney Heights as a credit representative of [LICENSEE NAME], which holds the Australian Credit Licence and carries ultimate responsibility for our conduct.
Are you licensed to arrange home loans?
Yes, as Credit Representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME]. Both numbers can be verified on ASIC's professional registers, and our Credit Guide sets everything out in writing.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission after settlement and a smaller trail commission while the loan runs. Neither comes out of your pocket, and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Honestly, commission does vary a little between lenders, and that is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, including the options you did not choose.
What happens if I have a complaint?
Contact us first and we will respond promptly. If you are not satisfied, you can escalate to AFCA, a free and independent external dispute resolution service of which we are a member.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks and non-bank lenders. We will tell you plainly who sits on it, and if your best option lies outside it, we say so.
Mortgage broker for Killarney Heights and the suburbs around it
Get in Touch
If any of the above sounds like your situation, ring Your Mortgage Broker Killarney Heights on (02) 9072 0649 for a no-cost, no-obligation conversation, or email us and we will reply within one business day with initial thoughts and our Credit Guide.