About us
About Your Mortgage Broker Para Hills
Your Mortgage Broker Para Hills is a mortgage broking business serving Para Hills and the surrounding northern suburbs of Adelaide, arranging home loans through a panel of lenders and explaining every step of the process in plain English.
Why We Started a Broking Business in Para Hills
Too many local borrowers were discovering, after a declined application, that the bank had only ever shown them one option out of dozens.
Who You Actually Deal With
A named person, not a call centre, is the whole point of this business, so this section introduces the broker behind every file:
The Broker on File
Your application is handled by Your Mortgage Broker Para Hills, a credit representative whose credit representative number 370592 and Australian Credit Licence 389328 appear in the footer, and who specialises in helping northern Adelaide households structure borrowing around real family budgets.
Local Files, Familiar Patterns
Files from Para Hills and neighbouring suburbs bring familiar patterns: moderate deposits, family incomes around the local median, and repayments near $1,300 a month, so the lending scenarios we work through most often are ones your neighbours have faced before.
One Contact, Start to Finish
From the first phone call to the day of settlement, you speak with the same person who is arranging your loan, and every question goes straight to the broker doing the work, never into a queue or an answering service.
How We Get Paid, in Plain English
Most people assume a "free" service must have a catch, so here is exactly where the money comes from, with nothing held back.
Upfront commission
Trail commission
Who pays it
When a fee applies
Now the uncomfortable part, because pretending otherwise would insult your intelligence. Commission amounts vary a little between lenders, which means we earn slightly more from some recommendations than others. That is a genuine conflict of interest, and the honest answer is not to deny it but to manage it: we put the reasoning behind every recommendation in writing, so you can see what each option costs and why it suits your circumstances.
And is it worth using a broker at all? The trade-off runs both ways. A wide panel gives you access to policies you would never find alone, but any panel, however broad, is still not every lender in the market. If your situation points towards a lender outside our panel, we will say so.
Our Licence and Accreditations
Trust claims are cheap, so here are the checkable details instead, each one verifiable against a public register:
Australian Credit Licence
Lending from this business operates under an Australian Credit Licence, number 389328, held by [LICENSEE NAME], which authorises credit activities under the National Consumer Credit Protection Act and carries obligations covering responsible lending, disclosure and the handling of information.
Credit Representative Status
As a credit representative, Your Mortgage Broker Para Hills holds representative number 370592 under that licence, which means the conduct of every loan written through this business is supervised, audited and backed by the licensee, adding a second independent layer of accountability.
How We Work
This business is a credit representative, number 370592, under Australian Credit Licence 389328, published in the footer. Fees are disclosed in writing, the process is published, and the same broker handles your file from first call to settlement.
AFCA Membership
Should a dispute arise, this business holds membership of the Australian Financial Complaints Authority, an independent external dispute resolution service available to clients at no charge, so an unresolved complaint can be pursued further without paying for lawyers or tribunals.
How We Work With You
The sequence is a strategy call, a tailored document list, a shortlist of loan options, then an application we assemble, check and chase through to settlement.
Where we work
Areas We Service
Your Mortgage Broker Para Hills works across Para Hills and the surrounding northern suburbs, including Gulfview Heights, Wynn Vale, Modbury Heights, Modbury North, Para Vista and Ingle Farm.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Para Hills?
Your Mortgage Broker Para Hills is a representative of Zanda Wealth Mortgage Brokers, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. The broker you deal with is the person who owns and runs the business.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, under Australian Credit Licence 389328 held by [LICENSEE NAME], which authorises us to provide credit assistance to Australian consumers under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
The lender pays us commission: an upfront amount when your loan settles and a smaller trail payment while the loan runs. Neither comes out of your pocket and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Sometimes, yes, because commission varies a little between lenders. That is a genuine conflict, so we put the reasoning behind every recommendation in writing, showing what each option costs and why it suits your situation.
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 service that is free for you to use.
How many lenders can you actually access?
We work with a panel of lenders covering the major banks, smaller banks and non-bank lenders. The exact count comes from our licensee and we will show you who is on the panel during your strategy call.
Mortgage broker for Para Hills and the suburbs around it
Get in Touch
Call (08) 8451 3906 or send your details through, and we will arrange a free strategy call at a time that suits. There is no cost and no obligation, just a clear conversation about your numbers.