About us
About Your Mortgage Broker Floreat
About Your Mortgage Broker Floreat: the licence behind this page, the person who will handle your file, how we are paid, and how to check every claim we make. Trust in a new brand should be verifiable, not asserted.
Why We Started a Broking Business in Floreat
Borrowers keep arriving at a bank with strong files and leaving with one policy's verdict and no explanation. Your Mortgage Broker Floreat exists because the gap between what a household earns and what a single lender will accept carries real costs.
Who You Actually Deal With
The person is the credential. Where an anonymous brand hides behind a logo, a named broker with a stated licence cannot, so here is exactly who handles your file:
The broker on file
Your file is handled by Your Mortgage Broker Floreat, the same accountable broker from first call to settlement, who specialises in residential, self-employed and investment borrowing for households around Floreat and nearby suburbs, with the process and fees explained at every step.
Local lending experience
Floreat presents a particular lending picture: a median household mortgage repayment of about $3,250 a month, forty per cent of dwellings still being paid off, and a large share of self-employed and professional incomes that need careful lender policy matching.
Direct access, no handoff
The person you meet on the strategy call is the person who prepares the file, negotiates with the lender, chases conditions and calls you with the outcome, because nothing is handed to a processing team you never speak to directly.
How We Get Paid, in Plain English
Most people never ask how a broker is paid, which suits an industry that would rather not volunteer the detail. Here is the full picture, including the uncomfortable part:
Upfront commission
Trail commission
What it costs you
When a client fee applies
Now the honest part: commission amounts differ a little between lenders, which is a genuine conflict of interest, and naming it beats denying it. Our answer is process, not protest. Every recommendation arrives with the reasoning in writing: which lender policies fit your situation, what the fees and features are, and what was rejected and why, so you can audit the decision yourself.
Is it worth using a broker at all? The trade-off is real. A broker gives you policy knowledge, document management and access to multiple credit policies through one application, which for most borrowers beats navigating a single bank alone. But any panel, however wide, is still not every lender in the market, and we say so plainly rather than pretending otherwise.
Our Licence and Accreditations
Every claim on this page is checkable today, most of them on public registers, which is the standard a brand without trading history should be held to. Here are the credentials, numbers included:
Credit licence status
Credit assistance in Australia is regulated under the NCCP Act, and this business operates as an authorised credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME], whose compliance systems and dispute processes sit behind every lending recommendation.
Credit representative status
Our credit representative number is 370592, recorded publicly on the ASIC registers so you can verify it before engaging us, and we encourage that check, because a licence claim you can confirm today is worth more than any promise.
How This Business Operates
This business operates as a credit representative, with credit representative number 370592 and Australian Credit Licence 389328 published in the footer, follows a published process, discloses fees in writing, and offers an external complaint channel beyond licence requirements.
AFCA membership
Australian Financial Complaints Authority membership means if you disagree with any decision we make and we cannot resolve it directly, an independent, external dispute resolution process is available, and our member number appears in the disclosure block on this page.
How We Work With You
Knowing who we are and how we are paid, the practical question is what happens once you make contact. The engagement runs the same defined sequence for every client, and it starts with a conversation about your goals and numbers.
Where we work
Areas We Service
From our Floreat base we work across Perth's western suburbs, including Wembley Downs, Churchlands, Wembley, Jolimont, Shenton Park and Mount Claremont, each with its own suburb page listing local figures and lending notes.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Floreat?
Your Mortgage Broker Floreat is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Floreat as a credit representative under [LICENSEE NAME]. The full licence details appear in the disclosure block below, and you can verify them independently.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], under the NCCP Act, and our credit representative number is 370592, verifiable on the public ASIC registers.
How do you get paid if I don't pay a fee?
In standard residential lending, the lender pays us a commission on settlement, and a smaller trail while your loan runs. Neither comes out of your pocket or changes your rate, fees or loan terms, and both amounts are disclosed to you in writing.
Do you get paid more for recommending certain lenders?
Commission amounts vary between lenders, which is a genuine conflict, and we would rather name it than deny it. Our answer is written reasoning: every recommendation comes with the policy, cost and feature factors behind it, so you can judge.
What happens if I have a complaint?
First, contact us directly and we will work to resolve it. If that fails, [LICENSEE NAME] has an internal complaints process, and you can then take the matter to the Australian Financial Complaints Authority at no cost to you.
How many lenders can you actually access?
We work across a panel of lenders spanning major banks, non-bank lenders and mutuals, arranged through our licensee. The count changes as lenders enter and leave, so we describe which lenders fit your file and why, rather than quoting numbers.
Mortgage broker for Floreat and the suburbs around it
Get in Touch
If you want the numbers behind any of this, call (08) 6311 4000 for a free, no-obligation conversation with Your Mortgage Broker Floreat. No scripts, no pressure, and no application is lodged until you have approved the written recommendation yourself.