About us
About Your Mortgage Broker City Beach
Your Mortgage Broker City Beach exists to give City Beach borrowers a straight answer about home lending: who is dealing with you, how we are paid, what we are licensed to do and what happens when something goes wrong.
Why We Started a Broking Business in City Beach
Banks used to be the only door into a home loan, and many City Beach households found it opens onto one product list and one opinion. We started this business to widen the options and explain them plainly.
Who You Actually Deal With
A mortgage practice is only as trustworthy as the person who fronts it, so here is who you will deal with and how the relationship works from the first call:
The Broker on File
Your Mortgage Broker City Beach is the credit representative who fronts Your Mortgage Broker City Beach, accountable for your file from first call to settlement, personally responsible for every recommendation made to you, with fees disclosed in writing and the process published so you know each step.
Local Lending Experience
City Beach files bring their own pattern, from large loans against substantial coastal homes to refinances for owners who bought decades ago, and working across the surrounding western suburbs means the local valuation and strata quirks are already familiar territory.
Access Without Handoffs
You deal with the same person from the first strategy conversation through to settlement day, and afterwards when reviews come around, because there is no call centre, no junior handoff and no repeating your story to whoever answers the phone.
How We Get Paid, in Plain English
Here is a question most broker websites answer vaguely, if at all: where does the money actually come from? We would rather show you the whole picture, including the awkward parts.
Upfront commission
Trail commission
What it costs you
Fees, when they apply
Now the conflict, named plainly: commission amounts vary somewhat between lenders, so we earn slightly more on some recommendations than others. We do not pretend otherwise. Instead we put the reasoning behind every recommendation in writing, showing what was compared, what was ruled out and why the chosen structure suits you, so you can interrogate the logic yourself.
Is it worth using a broker at all? For most borrowers, yes, because comparing lender policy across a panel beats defending one product list. But honesty includes the limits: any panel, however wide, is not every lender in the market, and where your bank genuinely holds the strongest position we will say so.
Our Licence and Accreditations
Trust claims are cheap online, so instead of asking you to believe ours, here are the licence, association and dispute-resolution details you can check independently:
Australian Credit Licence
Lending work in Australia happens under the National Consumer Credit Protection Act, and Your Mortgage Broker City Beach operates as an authorised credit representative of [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by the Australian Securities and Investments Commission, the regulator.
Credit Representative Status
Our credit representative number is 370592, recorded on the public registers maintained by the regulator, which means you can independently verify our authority before you share a single document, and we encourage every prospective client to do exactly that.
How We Operate
You deal with the same broker from your first phone call through to settlement day. Fees are disclosed in writing before you commit, the loan process is published in full here, and the licence details are published in the footer.
AFCA Dispute Resolution
We hold membership of the Australian Financial Complaints Authority, the free external dispute resolution service, so any complaint we cannot resolve directly can be escalated to an independent body whose determinations bind us, and using that service costs you nothing.
How We Work With You
That is the structure and the fine print settled; here is what working together actually looks like, from the first conversation about your goals through to settlement and the annual reviews that follow:
Where we work
Areas We Service
We work across City Beach and the neighbouring western suburbs, including Scarborough, Wembley Downs, Floreat, Mount Claremont and Swanbourne, all within the Town of Cambridge, with the same process and the same person on your file.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker City Beach?
Your Mortgage Broker City Beach is a representative of Zanda Wealth Mortgage Brokers, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The broker you speak with owns and runs the practice.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, which authorises credit assistance for residential and related lending. Our representative number is 370592, verifiable on the public register.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement, then a smaller trail commission each year your loan stays on its books. Neither comes out of your pocket, and we disclose both figures in writing before your application proceeds.
Do you get paid more for recommending certain lenders?
Sometimes, yes. Commission scales vary a little between lenders, which is a genuine conflict we name rather than deny. Every recommendation therefore arrives with its reasoning in writing, so you can see exactly why one lender suited your file better.
What happens if I have a complaint?
Contact us first and we will work to fix it quickly. If unresolved, take it to the Australian Financial Complaints Authority, a free, independent service whose decisions bind us and which costs you nothing.
How many lenders can you actually access?
A panel of lenders spanning major banks, non-banks, mutuals and specialist providers. We avoid quoting a figure because panel counts get rounded up and a wrong number would mislead you. Ask us and we will name the panel.
Mortgage broker for City Beach and the suburbs around it
Get in Touch
Call [TRACKING_PHONE] to talk through your borrowing plans with the person who will run your file, or book a time that suits. The first conversation costs nothing and carries no obligation.