About us
About Your Mortgage Broker Palmview
Your Mortgage Broker Palmview is a mortgage broking business serving Palmview and the surrounding Sunshine Coast suburbs, built around one credit representative, published fees, a published process and honest answers about how broking is paid for.
Why We Started a Broking Business in Palmview
Buyers here were ringing three banks, retelling their story three times and collecting three different answers, all while new estates kept rising along the corridor. That waste of good people's time is the reason this business exists.
Who You Actually Deal With
Buying a home is the largest financial commitment most households ever make, so the person guiding it should be named, qualified and accountable. On this site there is no anonymous brand standing in front of the work: these are the credentials behind every application:
The Broker on File
Your Mortgage Broker Palmview assesses your file from first call to settlement, so the person handling your loan is the person you speak with. As a credit representative under number 370592 and Australian Credit Licence 389328, the business is accountable.
Local Lending Experience
Palmview households carry a median mortgage repayment of about $2,000 a month across a suburb where nearly sixty two per cent of dwellings are still being paid off, and that local mix shapes exactly the files we handle every day.
Direct Access, No Handoff
From the first conversation to settlement and beyond, Your Mortgage Broker Palmview personally handles your file, so the person answering your questions is always the same person who built the application, with no call centre handoffs, and nothing ever lost between departments.
How We Get Paid, in Plain English
Most people suspect the money side of broking is where the catch hides, so here is the whole arrangement, written out rather than buried in a disclosure you were never going to read.
Upfront commission
Trail commission
What you pay
The exception
Now the uncomfortable part, named rather than denied. Commission levels vary a little between lenders, which is a genuine conflict of interest and pretending otherwise would insult your intelligence. Our answer to it is transparency: the reasoning behind every recommendation is put in writing, so you can see why a lender was suggested and test it yourself. 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 we will say so. What you buy is the work: policy knowledge, correct preparation, one application instead of five, and someone accountable whose contact details you already have.
Our Licence and Accreditations
Credentials mean nothing unless you can check them yourself, so every number that governs this business is published here rather than described in vague language. Verify each one independently before you engage any broker, including us:
Credit Licence Status
Credit assistance in Australia is regulated under the NCCP Act, and we operate as a credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME], which means every activity we undertake is authorised and supervised under that licence.
Credit Representative Status
Our credit representative number is 370592, recorded against the licensee's register, and you can confirm that registration independently before you engage us because a credential you can check yourself is worth far more than any claim we could print.
Professional Standards
Our work is governed by a published process, so you always know what happens next. The same broker handles your file from the first call to settlement, fees are disclosed clearly in writing and standards are upheld consistently every day.
AFCA Membership
Your Mortgage Broker Palmview holds membership of the Australian Financial Complaints Authority, the independent external dispute resolution body, which gives you a free avenue of complaint outside our business and that membership is a condition of holding credit authorisation, not an optional extra.
How We Work With You
It starts with a conversation about your goals, moves through borrowing capacity and written recommendations, then runs to settlement and a review after your loan beds in. The full step by step process is published on the home page.
Where we work
Areas We Service
Palmview is our home base, and we regularly work with borrowers in Sippy Downs, Birtinya, Meridan Plains, Glenview, Tanawha and across the wider Sunshine Coast region.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Palmview?
Your Mortgage Broker Palmview, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The business is a representative of Zanda Wealth Mortgage Brokers, and the person you deal with is the person responsible for it.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, with our representative number recorded as 370592, and every activity we undertake sits within that authorisation.
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 while the loan runs. Neither comes out of your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and we will not pretend otherwise. That is exactly why we put the reasoning behind every recommendation in writing before you commit.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If you are not satisfied, you can take it to AFCA, the independent external dispute body, at no cost.
How many lenders can you actually access?
We work across a panel of lenders covering major banks, regional banks and non bank lenders. The exact current count is confirmed in the credit guide you receive before signing.
Mortgage broker for Palmview and the suburbs around it
Get in Touch
Call (07) 3523 7115 during business hours or send a message whenever it suits, and the first step is a straightforward conversation about your position, with no cost and no obligation attached to finding out where you stand.