About us
About Your Mortgage Broker Gladstone Park
Your Mortgage Broker Gladstone Park is a mortgage broking business serving Gladstone Park and the surrounding northern suburbs of Melbourne. This page explains who we are, how we are licensed, how we get paid, and what you can verify for yourself before engaging us.
Why We Started a Broking Business in Gladstone Park
Applying bank by bank is slow, repetitive and opaque: you retell your story at every branch, and nobody tells you what a different lender would have said. Your Mortgage Broker Gladstone Park exists because Gladstone Park borrowers deserve that missing second opinion.
Who You Actually Deal With
The brand is new, so instead of asking you to trust a logo, here is the person and the structure behind every application that leaves this office:
The Broker on File
Your file sits with Your Mortgage Broker Gladstone Park, who stays your named point of contact from the first call through to settlement, handling your lending questions personally and keeping you updated as your application moves through every published step of the process.
Local Experience That Repeats
Local files here tend to involve established households on solid incomes, self-employed tradespeople with irregular paperwork, and families using a guarantor, and those repeated placement patterns mean your situation has almost certainly crossed our desk before in some recognisable form.
One Person, No Handoffs
Calling here means speaking to the person who prepares and lodges your application, not a call centre queue, so nothing about your situation gets lost in translation between the person you explain it to and the person who assesses it.
How We Get Paid, in Plain English
Most people assume a broker's service is free because brokers are generous. It is free because lenders pay for distribution, and you deserve the mechanics stated plainly rather than buried in a credit guide appendix:
Upfront commission
Trail commission
Cost to you
When a fee applies
Now the conflict, named rather than denied: commission rates vary a little between lenders, which means a broker could theoretically steer business toward the better payer. Our answer is procedural rather than reassuring. Every recommendation comes with the reasoning in writing, including which lenders were considered, which were excluded and why, and what the recommended structure does for your specific situation. You are welcome to take that note elsewhere and have it challenged.
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 bank outside the panel is never assessed. What you gain in exchange is breadth that no single bank can offer, preparation that reduces the chance of a decline, and a named person accountable under a licence when something goes wrong.
Our Licence and Accreditations
Everything a regulated broking business must hold, with the numbers stated so you can check every one of them independently:
Australian Credit Licence
Broking is credit assistance under the National Consumer Credit Protection Act, so the business operates as a credit representative under [LICENSEE NAME], whose Australian Credit Licence number is 389328, a licence that you can verify on the public registers.
Credit Representative Status
Credit representative number 370592 is the identifier attached to this business on the licensee's register, and it matters because it tells you exactly which authorised credit activities we may perform and which licensee answers for the conduct behind them.
Standards You Can Expect
The same accountable broker handles your file from first call to settlement, working to published ethical conduct standards and clear dispute handling steps. Our credit representative number 370592 and Australian Credit Licence 389328 appear clearly in the footer.
External Dispute Resolution
Complaints that cannot be resolved go to the Australian Financial Complaints Authority, an independent external dispute resolution service, and membership is a condition of holding credit authorisation, so you have somewhere to take a dispute that sits outside this business.
How We Work With You
From the first conversation to the annual review after settlement, the sequence is published on this site with real timelines: what happens at each stage, how long it typically takes, and who is responsible along the way.
Where we work
Areas We Service
From our Gladstone Park base we work across the northern suburbs, including Westmeadows, Broadmeadows, Jacana, Glenroy, Gowanbrae, Tullamarine and the wider City of Hume, with the same process and the same named broker regardless of postcode.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Gladstone Park?
Your Mortgage Broker Gladstone Park is a representative of Zanda Wealth Mortgage Brokers, a credit representative operating under [LICENSEE NAME], which holds Australian Credit Licence 389328. Your Mortgage Broker Gladstone Park handles the day-to-day broking work.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], and our credit representative number is 370592. Both can be verified on ASIC's professional registers.
How do you get paid if I don't pay a fee?
The lender pays us commission: a one-off payment at settlement and a smaller ongoing amount while the loan stays with that lender. Neither comes from your pocket, and any fee for unusual complex work is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, yes, because commission rates vary slightly between lenders. That is a genuine conflict, so every recommendation comes with the reasoning in writing, including which lenders were considered, so you can have it reviewed or challenged.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it is not resolved, you can take it to the Australian Financial Complaints Authority, an independent service this business must remain a member of to operate.
How many lenders can you actually access?
Our licensee sets the panel, which spans major banks, smaller banks and non-bank lenders. We will name the lenders that suit your situation before anything is lodged, rather than quoting you a headline count.
Mortgage broker for Gladstone Park and the suburbs around it
Get in Touch
Ready to talk it through? Call (03) 9122 8522 or book a free, no obligation conversation with Your Mortgage Broker Gladstone Park. You will speak with the broker who would actually handle your file, and you will leave the call knowing exactly where you stand, whether or not you go further.