About us
About Your Mortgage Broker Croydon
Your Mortgage Broker Croydon is a new mortgage broking practice serving Croydon and the Inner West, built on published fees, a stated process, and a named broker, because a business without a trading history owes you more transparency, not less.
Why We Started a Broking Business in Croydon
Too many capable borrowers were being assessed by a single institution with a single policy, then taking its verdict as final. That one-lender lottery wastes months and, occasionally, deposits, and it seemed like a problem worth fixing properly rather than complaining about.
Who You Actually Deal With
Every trust signal on this page reduces to one question: who exactly are you dealing with? Here is the honest answer, in three parts:
The Broker on File
The broker on file is Your Mortgage Broker Croydon, and that same person answers your first call, explains each step in plain terms, keeps you updated as your application moves forward, and personally and carefully handles every stage through to settlement day.
Local Case Experience
Croydon's own files shape this experience: Federation homes across the Malvern Hill Estate, Art Deco apartments near Edwin Street, self-employed applicants with messy returns, refinancers chasing better structures, and knowing which lender's policy accommodates each situation on the first lodgement.
No Handoff, No Call Centre
Nothing gets handed off once you come aboard, because a small practice cannot work that way, so the person who mapped your borrowing capacity also chases the valuation, fixes the paperwork, lodges the application, and rings you on settlement day.
How We Get Paid, in Plain English
Here is the part most broker websites bury at the bottom or skip entirely: the money. Rather than make you ask, here is the entire arrangement.
Upfront commission
Trail commission
Fees, only in unusual circumstances
The conflict, named
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, and a bank branch is not every lender either. The difference is breadth, plus the work of matching lender policy to your circumstances instead of selling one product range.
If that trade ever stops making sense for you, we will say so, and we will tell you when a direct application, a lender outside the panel, or simply staying put is the better call.
Our Licence and Accreditations
You should not take a licence on faith, so here are the four credentials behind this business, each checkable against a public register before you hand over a single document:
Credit Licence Status
Your Mortgage Broker Croydon operates as a credit representative under an Australian Credit Licence held by [LICENSEE NAME], number 389328, which means every credit activity we perform is conducted under that licence's obligations, dispute processes, and the conduct standards the licensee enforces.
Credit Representative Status
Our credit representative number, 370592, appears on the public registers and ties this brand name directly to the licensee, so you can verify the arrangement before handing over documents, which is the check we would encourage borrowers to complete.
How We Work
Our work follows a published process, and our standards do not stop at what the licence requires. Every client deals with one accountable broker from the first call through to settlement, with fees always disclosed in writing at every step.
AFCA Membership
Australian Financial Complaints Authority membership means that if you disagree with how we handled your lending and cannot resolve it with us directly, an independent external body hears the dispute at no cost to you, and its determinations bind us.
How We Work With You
You get a structured process rather than vague reassurance: a strategy conversation, a capacity calculation across the panel, written recommendations, lodgement, and a review once your first repayments begin. The full timelines are published on our home page.
Where we work
Areas We Service
From Croydon we service the surrounding Inner West, including Five Dock, Haberfield, Ashfield, Ashbury, Croydon Park and Burwood Heights. If you are close by and not listed, call anyway, because the panel travels further than the map suggests.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Croydon?
Your Mortgage Broker Croydon is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Croydon as credit representative 370592 under Australian Credit Licence 389328 held by [LICENSEE NAME]. The person you deal with makes the day-to-day decisions.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME]. That authorisation permits us to arrange home loans and other credit products under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
In the ordinary course, you pay nothing. The lender pays us an upfront commission when your loan settles and a smaller trail while it runs. If a complex file ever attracts a fee, we state it in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts do vary a little between lenders, and that is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, so you can see exactly why a particular lender suited your situation.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, an independent body whose process is free and whose decisions bind us.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and specialists. No panel covers every lender in the market, so where your situation fits better elsewhere, we will tell you that plainly.
Mortgage broker for Croydon and the suburbs around it
Get in Touch
Call (02) 9072 0666 for a no-obligation conversation about your borrowing, or start with the loans and worked examples elsewhere on this site to see how we think before you speak to anyone. There is no charge for the first conversation, and no pressure after it.