About us
About Your Mortgage Broker West Lakes
Your Mortgage Broker West Lakes is a mortgage broking business serving West Lakes and the surrounding western suburbs of Adelaide. This page sets out who we are, how we are licensed, how we are paid and what working with us actually looks like.
Why We Started a Broking Business in West Lakes
Borrowers around the lake kept describing the same frustration: one branch, one credit policy, one answer. Your Mortgage Broker West Lakes exists so a second opinion from an independent broker is easy to find locally, not a drive across the city for an appointment nobody has time for.
Who You Actually Deal With
Every trust claim here reduces to one question: who is responsible for the advice you receive? The answer is a named person rather than a logo, and the details below let you check those credentials yourself:
The Broker on File
You deal with Your Mortgage Broker West Lakes from your first call through to settlement, so the person advising you is the person accountable for your outcome. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
Local Files, Real Experience
Around West Lakes that experience shows up in files: refinancing brick homes near the lake, equity loans for older owners, and purchases across the surrounding western suburbs where lender policy quietly decides which borrower proceeds smoothly and which one stalls.
One Broker, No Handoffs
There is no call centre and no handoff between departments, because a small operation cannot hide behind one: the same broker who structures your loan personally answers your own questions, lodges your file directly and follows it through to settlement.
How We Get Paid, in Plain English
Here is the question most broker websites dodge: if you pay us nothing, where does the money come from? The answer is straightforward and belongs in writing, so the full structure sits here:
Upfront commission
Trail commission
Borrower fees
Now the uncomfortable part. Commission levels vary a little between lenders, which means a broker recommending one loan over another is not perfectly indifferent to who pays what. We do not pretend otherwise. What we commit to instead is reasoning on paper: every recommendation arrives with a written comparison of the options considered, their fees, and why the recommended structure suits your situation.
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, while a bank branch offers you a single lender's products. You are choosing between imperfect options, and the case for a broker rests on breadth, written reasoning and careful file preparation, not on promises.
Our Licence and Accreditations
None of this needs to be taken on faith, because every claim below can be checked in minutes on public registers. Here is the licence chain authorising us to arrange home loans, each number stated outright:
The Licence Behind Us
Your Mortgage Broker West Lakes operates as a credit representative under an Australian Credit Licence, meaning the licence holder Connective Credit Services Pty Ltd carries full legal responsibility for the credit assistance we provide, with licence number 389328 stated here so you can verify it yourself.
Our Representative Number
Our credit representative number is 370592, recorded against Connective Credit Services Pty Ltd on the professional registers, and anyone can look that combination up publicly on the register before engaging us, which is the kind of check a new business should invite.
Association Code of Practice
The broker follows a formal code of practice beyond the law itself, with continuing education and an independent disciplinary process. This business operates as a credit representative, number 370592, under Australian Credit Licence 389328 shown in the footer.
External Complaints Access
Complaints that cannot be resolved directly go to the Australian Financial Complaints Authority, an external dispute resolution scheme membership of which is compulsory, and our AFCA membership details appear in the Credit Guide you receive before any credit assistance begins.
How We Work With You
From a first phone call to well after settlement, the process keeps the same shape, and knowing that shape in advance is part of how you judge any broker. The sequence runs like this:
Where we work
Areas We Service
Our work centres on West Lakes and postcode 5021, and extends across the neighbouring western suburbs, including Port Adelaide, Queenstown, Royal Park, Seaton, Grange and Tennyson, where the same panel and the same process apply.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker West Lakes?
Your Mortgage Broker West Lakes is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker West Lakes as a credit representative. Full ownership, licence and complaint details sit in the Credit Guide provided before any advice.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd. That authorisation covers arranging home loans under the NCCP Act.
How do you get paid if I don't pay a fee?
The lender that settles your loan pays us a commission, disclosed in writing before you sign, plus a smaller trail payment while the loan runs. Neither comes from your pocket.
Do you get paid more for recommending certain lenders?
Commission levels vary a little between lenders, so yes, the amount can differ. We manage that by putting the reasoning behind every recommendation in writing, with the options compared and their costs.
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, an independent external dispute resolution service whose membership we hold.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks and non-bank lenders. The current list is walked through in the first meeting and changes as lender policies adjust.
Mortgage broker for West Lakes and the suburbs around it
Get in Touch
Call (08) 8451 3906 to talk through your situation with the broker named above, or send a message through this site. The first conversation costs nothing, carries no obligation and usually ends with a clearer view of your options.