About us
About Your Mortgage Broker Kenthurst
A short, plain account of who Your Mortgage Broker Kenthurst is, how the business earns its income, who holds the licence behind it, and what a Kenthurst borrower can expect from the first conversation to settlement day.
Why We Started a Broking Business in Kenthurst
We started this business after watching capable borrowers hear a flat no from a single lender and assume it was final, when a different panel lender would have approved the same file within weeks. That kind of outcome is avoidable, and it was reason enough to build something better.
Who You Actually Deal With
Every trust claim on this page reduces to one question: who is actually handling your loan? The answer is a person, not a call centre, and the three points below name that person and describe exactly what they do:
The Broker on File
You will deal with one named broker from the first call through to settlement, Your Mortgage Broker Kenthurst, who handles every Kenthurst file personally and answers every question clearly along the way, so nothing about your lending is passed to a stranger.
Local Case Experience
Kenthurst files share a shape: substantial houses on large blocks, self-employed income needing careful presentation, and loans bigger than the metropolitan average, so the case experience behind our recommendations is built almost entirely on situations that look like your own.
No Handoffs, No Call Centre
Once your file is lodged, the same person who ran the strategy answers the assessor's questions, chases the valuation, and rings you with updates, so nothing gets lost in a handoff between departments and nobody asks you to repeat yourself.
How We Get Paid, in Plain English
Here is a question most brokers dodge: if you pay us nothing, who does? The honest answer follows, including where the incentives sit and what we do about them. Our income works like this:
Upfront commission
Trail commission
Your cost
Complex files
Commission amounts do vary a little between lenders, and that is a genuine conflict of interest, so it is worth naming rather than denying. Our answer is to put the reasoning behind every recommendation in writing: which lenders were compared, why the recommended one suited your file, and what the alternatives were.
Is it worth using a broker at all? The honest trade-off is this: a panel, however wide, is still not every lender in the market, and a bank branch costs you nothing either. What you gain is comparison across many credit policies, proper preparation of the file, and advocacy when an assessor asks questions, which matters most when your income or property type does not fit the standard mould.
Our Licence and Accreditations
Trust claims are cheap; verifiable ones are not. Every number below can be checked with the regulator and the associations named, and we would encourage you to do exactly that before engaging us:
Credit Licence Status
Our credit activities run under Australian Credit Licence 389328, held by [LICENSEE NAME], which means an accountable licensee with strict compliance obligations sits behind every recommendation we make, and every file is prepared to the licence's responsible lending standards.
Credit Representative Status
Your Mortgage Broker Kenthurst operates as credit representative 370592 under that licence, an arrangement disclosed in writing in our credit guide, so you can verify that status independently with the Australian regulator before you ever share a single financial detail with us.
How We Work
Every file is handled by the same accountable broker from the first call through to settlement, and the practice is a credit representative whose credit representative number 370592 and Australian Credit Licence 389328 are published in the footer.
AFCA Membership
Should a dispute ever arise, we are members of the Australian Financial Complaints Authority, an independent external disputes body that can hear complaints about credit assistance free of charge, and our member number appears in the credit guide you receive.
How We Work With You
Every engagement follows the same published sequence, from a no-cost strategy call through to lodgement and settlement, with a defined deliverable at each stage. You will always know where the file sits and what happens next:
Where we work
Areas We Service
Your Mortgage Broker Kenthurst works with borrowers across Kenthurst and the wider Hills district, including Glenorie, Middle Dural, Dural, Glenhaven, Kellyville and Annangrove. If you are nearby and not listed, ask anyway.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Kenthurst?
Your Mortgage Broker Kenthurst is a representative of Zanda Wealth Mortgage Brokers, operated by credit representative 370592 under Australian Credit Licence 389328 held by [LICENSEE NAME]. The full ownership and licence details appear in our credit guide.
Are you licensed to arrange home loans?
Yes. We act as a credit representative under Australian Credit Licence 389328, which authorises the licensee to engage in credit activities under the NCCP Act, and our representative number is 370592.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement and a smaller trail commission while your loan runs. Neither comes from your pocket or changes your rate. A fee would only apply on a complex file, disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission rates do vary slightly between lenders, and pretending otherwise would be dishonest. That is exactly why the reasoning behind every recommendation goes to you in writing, including which lenders were compared and why the chosen one suited your file.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If it is unresolved, you can take it to the Australian Financial Complaints Authority, an independent body that hears credit complaints free of charge.
How many lenders can you actually access?
We compare applications across a panel of lenders rather than a single bank's products; the full panel, and the commission attached to each, is listed in the credit guide you receive before any application is lodged.
Mortgage broker for Kenthurst and the suburbs around it
Get in Touch
Call (02) 9072 0647 or send the contact form to book a strategy call. It costs nothing, carries no obligation, and ends with a clear picture of your borrowing position, the lenders that suit your file, and the sensible next step.