About us
About Your Mortgage Broker Dunlop
Your Mortgage Broker Dunlop is a mortgage broking service based in Dunlop, arranging home loans for local buyers and refinancers under a fully disclosed licence structure, with this page explaining who we are, how we earn and what you can hold us to.
Why We Started a Broking Business in Dunlop
We started this business after watching Dunlop neighbours repeat their story at three bank branches and still settle on a loan nobody had compared against the wider market, which struck us as an inefficient way to arrange the largest debt of a life.
Who You Actually Deal With
Most broking websites hide behind the brand, so here is the opposite: a named person, a stated licence number and a clear description of who answers when you call. Three things worth knowing before you hand over payslips:
The Broker On File
Your file sits with Your Mortgage Broker Dunlop, the accountable broker who handles your loan from first call to settlement, so the person who assesses your situation is the same person who lodges the paperwork and answers your questions through the process.
Local Case Experience
Working daily across Belconnen means recognising how local valuations, apartment stock near the town centre and family guarantee arrangements behave under different lender policy, knowledge built file by file rather than taken from a generic training manual written somewhere interstate.
Direct Access, No Handoff
Calls and emails reach the broker directly instead of landing in a busy call centre queue, which means questions about your application get answered the same day by the person handling it, not relayed secondhand through an assistant reading notes.
How We Get Paid, in Plain English
Here is what most people get wrong about brokers: they assume the borrower pays, then go quiet when the topic comes up. So we will put it on the table first.
Upfront commission
Trail commission
Who actually pays
When a fee applies
Now the uncomfortable part, because pretending it away helps nobody. Commission amounts vary a little between lenders, which is a genuine conflict of interest and we would rather name it than deny it. Our answer is transparency about reasoning: every recommendation comes with the policy, fee and structure logic written down, so you can judge the advice on its merits rather than on trust alone.
Is it worth using a broker at all? For straightforward cases, a bank branch may do just fine. The value shows up when the file is unusual, when a decline needs a second opinion, or when comparing across a panel saves weeks of repeating your story. The honest trade-off: any panel, however wide, is still not every lender in the market.
Our Licence and Accreditations
Trust in this industry should be checkable, not felt, so every number that governs what we do is published here rather than buried in a document you receive after committing:
Credit Licence Status
Credit assistance is regulated work, so every arrangement we write sits under Australian Credit Licence 389328 held by [LICENSEE NAME], a licensed entity accountable to the regulator, with our own conduct covered by that licence's obligations at all times.
Credit Representative Status
We operate as a credit representative, number 370592, authorised under that licence, which means the licensee supervises our compliance, audits our files and stands behind the advice given, a structure that gives you somewhere senior to escalate concerns genuinely.
How We Work
We follow a published code of practice covering how we treat clients, disclose earnings and handle disputes properly, with ongoing education part of our routine. That means clear communication, written disclosure of fees and a fair process if problems arise.
AFCA Membership
As an AFCA member we can be taken to an independent external dispute resolution body at no cost to you, so a complaint never depends on our goodwill, and any determination made binds us whether we like it or not.
How We Work With You
One free, no-obligation strategy session starts everything, then the process runs through discovery, shortlisting, application and settlement, with written summaries at each stage so you always know what has happened and what comes next. Details live on our home page.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Dunlop?
Your Mortgage Broker Dunlop is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Dunlop as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME]. The licence, the representative number and the AFCA membership are all stated on this page.
Are you licensed to arrange home loans?
Yes. We hold credit representative number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. Arranging home loans is credit assistance under the National Consumer Credit Protection Act, and that is the only activity we perform.
How do you get paid if I don't pay a fee?
The lender that takes your loan pays us an upfront commission at settlement and a smaller trail commission while the loan runs. Neither comes out of your pocket and neither changes the rate or fees attached to your loan.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and pretending otherwise would be dishonest. That is why the reasoning behind every recommendation is given to you in writing, so you can see the policy and fee logic, not just the outcome.
What happens if I have a complaint?
Raise it with us first and we will respond in writing. If you are unsatisfied, you can take the matter to AFCA, the independent external dispute resolution body, at no cost to you, and its determinations bind us.
How many lenders can you actually access?
We work across a panel of lenders spanning major banks, smaller banks and non-bank and specialist providers. The exact count comes from our licensee and is confirmed in our credit guide, which you receive before signing anything.
Mortgage broker for Dunlop and the suburbs around it
Get in Touch
Ring (02) 9072 0640 for a free strategy session with Your Mortgage Broker Dunlop, or send an email and expect a reply the same business day. There is no obligation and no charge for the first conversation, just your real numbers explained clearly.