About us
About Your Mortgage Broker Chifley
Your Mortgage Broker Chifley is a mortgage broking business serving Chifley and the surrounding eastern suburbs, built on one idea: publish everything, from who we are to how we earn, before you are asked to trust us.
Why We Started a Broking Business in Chifley
Borrowers here kept describing the same experience: a bank offering one product, a decline with no explanation, no idea who else might say yes. We started this business to put the whole picture in front of local buyers.
Who You Actually Deal With
Who exactly will handle your loan? That fair question has three verifiable answers: the broker on record, the local experience behind the file and the access you get:
The broker on file
Your Mortgage Broker Chifley is the credit representative who fronts this business, so the person handling your application from first call to settlement is the same accountable person whose name sits on the licence paperwork, with fees disclosed in writing for you.
Local lending experience
Loans lodged from this area tend to follow familiar patterns, including rebuilds replacing post-war brick homes on generous blocks, families trading up within the eastern suburbs and owners releasing equity, and Your Mortgage Broker Chifley has assessed files like these across Chifley.
Direct, with no handoff
From your first conversation through to settlement day, Your Mortgage Broker Chifley personally prepares the application, answers the lender's questions and keeps you informed, so you never get handed to a call centre or an assistant who has never heard your name.
How We Get Paid, in Plain English
Most finance websites bury this section at the bottom; we have put it second so you know where our money comes from before you read anything else. Here is exactly how the money works:
Upfront commission
Trail commission
Who pays it
Client fees
Here is the part most broker pages skip: commission amounts vary slightly between lenders, a genuine conflict of interest worth naming rather than denying. Our answer is written reasoning: every recommendation comes with a statement of why that lender, structure and product fit your circumstances, and our credit guide sets out what we earn from each lender on the panel.
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, so a lender outside it never gets assessed. Against that, you gain comparisons across many credit policies, one accountable person managing the paperwork and no fee in most cases. For a straightforward file, a direct bank application can be perfectly reasonable. For anything unusual, the policy coverage usually matters more.
Our Licence and Accreditations
Every number below can be checked against a public register in about two minutes, and we encourage you to do exactly that before your first conversation:
Credit licence status
[LICENSEE NAME] holds Australian Credit Licence 389328, issued and monitored by the corporate regulator, which authorises the credit activities this business performs, and you can verify the licence yourself on the public register before you share a financial detail.
Credit representative status
As an authorised credit representative numbered 370592, Your Mortgage Broker Chifley operates under that licence rather than holding its own, which means the licensee supervises our compliance, reviews our files and carries responsibility for the advice and lending assistance we provide you.
How We Work
Alongside the licence, Your Mortgage Broker Chifley follows a published process, holds credit representative number 370592 under Australian Credit Licence 389328, and discloses fees in writing. We follow a code of practice and a dispute resolution process beyond legal requirements.
AFCA membership
Complaints, should one ever arise, go first to us and then to the Australian Financial Complaints Authority, the independent external scheme of which we are a member, so you have somewhere to take a disagreement that we cannot resolve together.
How We Work With You
Working together is deliberately simple: one conversation to understand your position, a written summary of your options, then a managed application running through to settlement. There is nothing to prepare before you call.
Where we work
Areas We Service
From our base in Chifley, postcode 2036, we arrange loans across the surrounding bayside suburbs, including Matraville, Malabar, Little Bay and Phillip Bay, along with the wider Randwick council area.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Chifley?
Your Mortgage Broker Chifley is a representative of Zanda Wealth Mortgage Brokers, a credit representative operating under [LICENSEE NAME], and the person who fronts it is Your Mortgage Broker Chifley. The licence details above are the checkable facts behind that structure.
Are you licensed to arrange home loans?
Yes. We operate as an authorised credit representative under Australian Credit Licence 389328 held by [LICENSEE NAME], which authorises credit assistance, and the licence can be verified on the public register.
How do you get paid if I don't pay a fee?
The lender you settle with pays us a commission: an upfront amount when the loan settles and a small trailing amount while it runs. Neither comes out of your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Commission rates do vary a little between lenders, and we will not pretend otherwise. What protects you is the written reasoning behind every recommendation, which you are free to question before proceeding.
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, an independent body we belong to, at no cost.
How many lenders can you actually access?
We work across a panel of lenders accessed through our licensee, spanning major banks, smaller banks and non-bank lenders. The current panel is listed in our credit guide, and it is not every lender in the market.
Mortgage broker for Chifley and the suburbs around it
Get in Touch
Ring (02) 9072 0666 and ask for Your Mortgage Broker Chifley, or send a message through the site and we will reply within one business day. First conversations are free, with no obligation, and nothing gets lodged until you say so.