About us
About Your Mortgage Broker Mount Claremont
About Your Mortgage Broker Mount Claremont sets out who runs this business, how it is licensed, how it earns money and what working with it looks like, so you can verify every claim before deciding whether to engage a broker at all.
Why We Started a Broking Business in Mount Claremont
Getting a home loan through a single bank too often means one set of rules, one opinion and no alternative when the answer is no. Mount Claremont borrowers deserve a wider field of lenders.
Who You Actually Deal With
Broking is a personal service, and the quality of the person matters more than the logo on the website. Here is who you deal with when you engage this business, stated plainly so you can check it yourself:
The Broker on File
The broker on file is Your Mortgage Broker Mount Claremont, handling your lending personally from the first call through to settlement, covering residential purchases, refinancing, construction and investment finance, with fees disclosed in writing, for many local households throughout Perth's wider western suburbs.
Local Case Experience
Local knowledge here means understanding that roughly forty per cent of Mount Claremont dwellings are owned outright, median repayments run near $3,033 a month, and many local files involve equity access, renovations or refinancing rather than straightforward first home purchases.
Direct Access, No Handoff
Your application stays with that same person from the first strategy call through to settlement and the twelve month review afterwards, with no call centre queue, no handover to a junior file handler, and no need to retell your story.
How We Get Paid, in Plain English
Most people never ask how a free service pays its bills. Here is the full picture before you trust anyone with the biggest loan of your life.
Upfront commission
Trail commission
No cost in most cases
When a fee applies
There is a conflict worth naming: commission rates differ slightly between lenders, so a broker could, in theory, favour whoever pays more. The answer here is written reasoning. Every recommendation comes with its thinking attached, showing which lenders were considered, why the shortlist was cut and what the policy trade-offs were, so you can judge the logic yourself.
Is it worth using a broker at all? For a straightforward file with an obvious lender, perhaps not. Where it earns its keep is access: one conversation tests your position against a panel of lenders instead of one set of rules, which matters most when income is unusual, the deposit is tight or a bank has already declined. The honest trade-off is that even a wide panel is not every lender in the market.
Our Licence and Accreditations
Trust should be checkable in minutes, not taken on faith, and every number on this page can be verified on a public register today. These are the licences, memberships and protections that sit behind the work:
Credit Licence Status
Australian credit licensing sits under the National Consumer Credit Protection Act, and this business operates as an authorised credit representative of [LICENSEE NAME], which holds Australian Credit Licence 389328 and carries responsibility for the credit activities its representatives arrange.
Credit Representative Status
Representative number 370592 identifies this business on the public registers, which means you can verify authorisation yourself before engaging anybody, and the licence holder remains accountable for the conduct, training and compliance obligations attached to every loan we arrange.
How We Work
Our process is published, so you see each step before you commit. The same accountable broker handles your file from first call to settlement. Fees are disclosed in writing, and a dispute resolution pathway exists independently of any single lender.
AFCA Membership
Complaints that cannot be resolved directly go to the Australian Financial Complaints Authority, an external and free dispute resolution service, and the licence holder's AFCA membership number will be confirmed in the credit guide you receive before credit assistance begins.
How We Work With You
Working with Your Mortgage Broker Mount Claremont follows a written process with realistic timings at each stage, so you always know where your file sits. The path runs from strategy call through capacity work, lodgement, approval and settlement.
Where we work
Areas We Service
Your Mortgage Broker Mount Claremont serves borrowers in Mount Claremont and the surrounding western suburbs, including Floreat, Shenton Park, Karrakatta, Claremont, Swanbourne and City Beach, all within a short drive of the Perth CBD.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Mount Claremont?
It is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Mount Claremont as an authorised credit representative, with [LICENSEE NAME] remaining responsible for the credit activities arranged. Details appear in the credit guide.
Are you licensed to arrange home loans?
Yes. The business operates under credit representative number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME], and you can confirm this on the corporate regulator's public registers.
How do you get paid if I don't pay a fee?
The lender pays an upfront commission at settlement and a smaller trail commission while the loan runs. Neither comes from your pocket or changes your rate, so standard residential work typically costs nothing.
Do you get paid more for recommending certain lenders?
Commission rates vary a little between lenders, which is a genuine conflict. Every recommended loan has its commission disclosed in writing alongside the reasoning, so you can judge the recommendation yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If unresolved, you can take it to the Australian Financial Complaints Authority, a free external dispute resolution service, under the licence holder's AFCA membership.
How many lenders can you actually access?
Major banks, regional lenders and non-bank lenders sit on the panel. The exact figure will be confirmed in writing, and the honest caveat stands: no panel covers every lender in Australia.
Mortgage broker for Mount Claremont and the suburbs around it
Get in Touch
If you are buying, refinancing, building or releasing equity around Mount Claremont, call (08) 6311 4000 for a free, no-obligation conversation about your position and the options a panel of lenders could offer your file.