About us
About Your Mortgage Broker Iluka
Your Mortgage Broker Iluka is a mortgage broking business serving Iluka and the surrounding northern suburbs of Joondalup. This page explains who we are, how we are licensed, exactly how we get paid, and what you can expect when you deal with us.
Why We Started a Broking Business in Iluka
Buyers here were doing everything right, earning strong incomes against serious mortgages, yet still being funnelled into whatever their bank was pushing that quarter, so we built a business that hands the full picture back to the borrower.
Who You Actually Deal With
Trust here comes from a named person with checkable credentials, so the three points below cover who handles your file, what experience sits behind the advice, and how the relationship works.
The Broker on Your File
Your file is handled by Your Mortgage Broker Iluka from the first call through to settlement, with a focus on residential home loans, refinancing and the complex income situations self-employed borrowers bring, so nothing gets passed around or lost along the way.
Experience With Local Files
Iluka households carry a median mortgage repayment of about $2,600 a month, and that experience with substantial loans, equity strategies and refinances across the northern beaches corridor means the advice you receive reflects files like yours, not generic call-centre scripts.
One Person, Start to Finish
From the first phone call through to the review after settlement, you deal with the same person, so nothing gets lost between departments, nobody repeats your story to a stranger, and the accountability for every step sits with one individual.
How We Get Paid, in Plain English
We would rather publish this than blur it, because scepticism about brokers is usually justified when nobody explains the money. Here is the whole arrangement.
Upfront commission
Trail commission
Fees to you
Disclosure
Now the part most brokers avoid saying: commission amounts vary slightly between lenders, which is a genuine conflict of interest and naming it is more useful than denying it. Our answer is to put the reasoning behind every recommendation in writing, so you can see why a loan was proposed and pressure-test that reasoning yourself.
Is it worth using a broker? The honest trade-off is that a panel, however wide, is still not every lender in the market. What a broker adds is comparison across many lenders' policies, assembling the application, and an advocate when assessment gets difficult.
Our Licence and Accreditations
Every claim below is a number you can independently verify, because a new business earns confidence through facts rather than adjectives, covering the licence, the representative number, the association and dispute resolution.
Credit Licence Status
Australian credit law requires anyone arranging home loans to hold an Australian Credit Licence or act under one, and Your Mortgage Broker Iluka operates as a credit representative of [LICENSEE NAME], authorised under Australian Credit Licence 389328, verifiable on the public registers.
Credit Representative Number
The credit representative number for this business is 370592, which ties every activity we perform back to the licensee's obligations, so if anything went wrong you would know which licence covers the conduct and which regulator holds the record.
Standards You Can Check
Your loan is written under the responsible lending rules that apply to every licensed credit business, and our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer, so you can check them anytime.
AFCA Membership
Complaints are handled through the Australian Financial Complaints Authority, an independent external dispute resolution body, and membership is a licence condition rather than a choice, so you have a free avenue of appeal outside the business if a dispute arises.
How We Work With You
The process is published on this site with real timelines, from the first strategy call to the loan review after your first year, so you know what happens next, who does it, and what it costs.
Areas We Service
From Iluka we work across the northern Joondalup corridor, including Burns Beach, Kinross, Currambine and Connolly. Most conversations happen by phone or video, so distance rarely matters, and Your Mortgage Broker Iluka handles every enquiry personally.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Iluka?
Your Mortgage Broker Iluka is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Iluka, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The structure and every licence number are published on this page.
Are you licensed to arrange home loans?
Yes. We act as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises credit assistance under the NCCP Act. The licence can be verified on the public ASIC registers at any time.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays us an upfront commission, then a smaller trail commission each year the loan runs. Neither comes out of your pocket and neither changes your rate. Any exception is quoted in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, which is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, so you can see exactly why a loan was proposed and compare that reasoning yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are not satisfied, you can take it to the Australian Financial Complaints Authority, an independent dispute resolution body whose membership is a licence condition for us.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional banks and non-bank lenders. The full list is provided in the credit guide you receive at the first meeting, and any panel is still not every lender in the market.
Mortgage broker for Iluka and the suburbs around it
Get in Touch
Call (08) 6311 4000 for a free, no-obligation conversation about your borrowing plans, or explore our home loan services first. There is no pressure and no cost to asking, and the first step is simply a discussion.