About us
About Your Mortgage Broker Eglinton
Your Mortgage Broker Eglinton is a mortgage broking service for Eglinton and the wider Bathurst Region, built on a simple premise: you should be able to see exactly who advises you, how we are paid and what we are licensed to do.
Why We Started a Broking Business in Eglinton
Most people around here bank where their parents banked, apply at the branch, receive a template answer and never learn that a different lender would have approved the same file. That gap between what borrowers deserve and what they get is why Your Mortgage Broker Eglinton exists.
Who You Actually Deal With
You will never be handed off to a call centre, a junior or an overseas queue, because the person whose name sits on the licence paperwork is the person who answers your calls. Here is exactly who that is:
The Broker on File
Your file stays with Your Mortgage Broker Eglinton, a credit representative whose number 370592 and Australian Credit Licence 389328 are published in our footer. The same accountable person handles every stage personally, from the first conversation through to settlement day.
Local Lending Experience
Experience here means knowing how local incomes look: teachers, tradies and self-employed operators whose payslips defy bank templates, plus first buyers chasing grants and families refinancing; those are the situations we have walked through many times across the Bathurst Region.
Direct Access, No Handoff
There is no call centre and no junior handoff: the person who takes your details is the person who lodges the application, chases the lender and rings you back, so nothing gets lost between departments or repeated three separate times.
How We Get Paid, in Plain English
Most borrowers assume a broker costs them money, then discover the arrangement works the other way around, so here is the entire payment structure with nothing held back:
Upfront commission
Trail commission
Standard case, your cost
Complex files
Now the uncomfortable part, because it deserves naming rather than denying: commission amounts vary a little between lenders, and that is a genuine conflict of interest. Our answer is not a denial, it is documentation. Every recommendation comes with the reasoning behind it in writing, and the credit guide sets out every commission band before you commit to anything.
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, because some lenders deal only direct. Against that, you get comparison across a broad panel, policy knowledge no single branch can offer and one accountable person when a file stalls. For most borrowers in this region, that trade is worth making, and you can judge it yourself from the credit guide.
Our Licence and Accreditations
Every claim in this section can be verified by you in under ten minutes using public registers that cost nothing to search, and we would rather you did, because a licence you can check is worth more than a promise you cannot:
Australian Credit Licence
Credit assistance in Australia must be provided under an Australian Credit Licence or as an authorised representative of a licensee, and Your Mortgage Broker Eglinton operates as credit representative 370592 under Australian Credit Licence 389328, held by our licensee, [LICENSEE NAME].
Credit Representative Status
That representative status matters because it means the licensee supervises compliance, reviews our files, audits our advice and carries ultimate responsibility for the conduct of the business, giving you a layer of accountability beyond the individual broker you deal with.
Ethical Standards
The practice operates as a credit representative, with its credit representative number 370592 and Australian Credit Licence 389328 published in the footer. This structure supports accountability, written fee disclosure and a published process from first call to settlement.
AFCA Membership
Should a disagreement ever arise, Your Mortgage Broker Eglinton maintains membership of the Australian Financial Complaints Authority, the independent external dispute resolution scheme that handles consumer complaints about credit assistance free of charge, so you are never left without an avenue of redress.
How We Work With You
Every engagement follows the same published path: an initial conversation, a full capacity assessment across the panel, a written shortlist with reasoning, application management through to settlement, then a review once the loan has bedded down. The sections above show who stands behind each step.
Where we work
Areas We Service
From Eglinton we work right across the Bathurst Region, with dedicated local pages for Llanarth, Windradyne, West Bathurst, Bathurst and Kelso, alongside the service pages listed throughout this site.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Eglinton?
Your Mortgage Broker Eglinton 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 on the licence paperwork.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME], and we maintain AFCA membership, so every engagement sits inside the national regulatory framework.
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 smaller trail commission continues 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?
Commission amounts do vary slightly between lenders, and that is a genuine conflict we name rather than deny. We manage it by putting the reasoning behind every recommendation in writing, with all amounts disclosed in the credit guide.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are not satisfied, you can take the matter to the Australian Financial Complaints Authority, an independent dispute resolution scheme we belong to, at no cost to you.
How many lenders can you actually access?
We write loans through a panel of lenders spanning major banks, smaller banks and non-bank lenders, arranged through our licensee. The current list is set out in our credit guide, provided before any engagement.
Mortgage broker for Eglinton and the suburbs around it
Get in Touch
The first conversation is free and carries no obligation: call (02) 9072 0666, or send your details through the enquiry form on the home page and we will ring you back, usually the same business day.