About us
About Your Mortgage Broker Newport
We are a mortgage broking service on the Northern Beaches, built around one named broker, a published fee structure and a process you can read before you commit to anything. This page explains who we are.
Why We Started a Broking Business in Newport
Newport households carry a median mortgage repayment of about three thousand dollars a month, yet most buyers still see one lender and one answer. We started this business to put genuine choice in front of local borrowers.
Who You Actually Deal With
A new business cannot lean on borrowed credibility, so here is the substitute that actually means something: a named broker with stated credentials, real local file experience and direct access from your first call through to settlement:
The Broker on File
Your Mortgage Broker Newport is the broker on file here, and the credit representative number 370592 and Australian Credit Licence 389328 are published in the footer. You deal with that person directly, from the first conversation through to settlement day.
Local Files, Not Templates
Loans around Newport often involve older brick and weatherboard homes, waterfront security near Pittwater, or self-employed income from the village's marine and retail trades, and Your Mortgage Broker Newport handles each of these files personally from first call through to settlement here.
No Handoff, Ever
Nothing gets handed off. The person who takes your first call reads your payslips, chooses the lenders, writes the submission and chases the bank, nothing in your situation is lost in translation between a call centre and a file owner.
How We Get Paid, in Plain English
Most people assume using a broker means paying a broker, and the honest answer is better than either the sales pitch or the cynical version. Here is exactly where our income comes from:
Upfront commission
Trail commission
A borrower fee, rarely
Now the part most brokers skip. Commission rates vary a little between lenders, which means we earn slightly different amounts depending on where your loan lands. That is a genuine conflict of interest, and naming it is more useful than denying it. Our answer is written reasoning: every recommendation comes with an explanation of why that lender suits your file, so you can check the logic against your own priorities.
Is it worth using one? Weigh the honest trade-off. A panel of lenders gives you far more credit policy under one roof than any single bank, which matters most when your income, deposit or property does not fit the standard mould. But no panel covers the whole market, and if your ideal fit sits off-panel, we will tell you rather than force the file in.
Our Licence and Accreditations
Numbers, not adjectives. Anyone can claim to be accredited; the details below can each be checked independently in minutes, and we would rather you checked them before you engage us:
The Licence Behind the Advice
Broking is credit assistance under the National Credit Code, and the licence behind that work matters. Your Mortgage Broker Newport operates as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], the entity legally responsible for everything we arrange.
Your Representative Number
Our credit representative number is 370592, recorded with the regulator and attached to every credit proposal we lodge. If you want to verify that status yourself before engaging us, the number and licence holder above make that five-minute check.
Your Broker, Accountable
Your Mortgage Broker Newport is accountable to a published code of practice with real disciplinary powers behind it, so you can raise a concern if something goes wrong. 370592 and the Australian Credit Licence 389328 are published in the footer.
Independent Dispute Resolution
Complaints go somewhere real. Your Mortgage Broker Newport is a member of the Australian Financial Complaints Authority, the independent dispute resolution scheme, which means unresolved disputes can be taken to AFCA at no cost to you, with binding outcomes the licensee must accept.
How We Work With You
You talk to Your Mortgage Broker Newport once about where you are and what you are trying to do. From there we map borrowing capacity, shortlist lenders on the panel, prepare the file and manage it through to settlement, keeping you updated at each stage.
Where we work
Areas We Service
Based in Newport, we work across the Pittwater peninsula and the wider Northern Beaches, including Bilgola Beach, Mona Vale, Bayview and Bilgola Plateau, along with the surrounding suburbs of the lower peninsula. If you are close by and unsure, ask.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Newport?
Your Mortgage Broker Newport is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Newport as a credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME]. It is not owned by a bank or a lender.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], with our credit representative number 370592 recorded against every proposal we lodge. You can verify both details independently before engaging us.
How do you get paid if I don't pay a fee?
The lender pays us. An upfront commission is paid when your loan settles, and a small trail commission runs while the loan continues. Neither comes out of your pocket, and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Sometimes, by a little. Commission varies slightly between lenders, which is a genuine conflict, and we manage it by putting the reasoning behind every recommendation in writing so you can check it against your own priorities.
What happens if I have a complaint?
Raise it with us first and we will work to fix it. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, our independent dispute resolution scheme, at no cost, and its outcomes bind the licensee.
How many lenders can you actually access?
We work with a panel of lenders covering major banks, smaller banks and non-bank lenders. The exact count comes from our licensee and is stated in our Credit Guide, which you receive before you commit to anything.
Mortgage broker for Newport and the suburbs around it
Get in Touch
Call (02) 9072 0649 to speak with Your Mortgage Broker Newport directly, or send your questions and we will come back to you the same day. An initial conversation is free, and you decide how far it goes.