About us
About Your Mortgage Broker Salisbury
Your Mortgage Broker Salisbury is a mortgage broking practice serving Salisbury and the surrounding southern suburbs of Brisbane, set up so that one named, licensed person handles your home loan from the first conversation through to settlement and the years beyond it.
Why We Started a Broking Business in Salisbury
Borrowing here means juggling a median household mortgage repayment of about $2,000 a month against a median household income of around $2,133 a week. Taking whatever answer one bank gives, never knowing whether another lender would read the same facts differently, is a poor way to make the biggest financial decision of your life. Salisbury made the case obvious: nearly forty-five per cent of dwellings are being paid off, drawing buyers who need practical lending help.
Who You Actually Deal With
The section below names the person responsible, because an anonymous brand asking for your financial details should never earn that trust on a logo alone.
The broker on file
Your file sits with Your Mortgage Broker Salisbury, a credit representative whose number 370592 and Australian Credit Licence 389328 are published in our footer, handling every residential application for Salisbury buyers and refinancing owners from first call through to settlement.
Local lending experience
Salisbury's mix of post-war houses, young families and steady trade means the files here run familiar: borrowers with a median household mortgage repayment near $2,000 a month, shift workers, small business owners and families stretching into their first four-bedroom place.
No handoff, ever
No call centre and no handoff, because the person who scopes your borrowing capacity is the person who lodges the application, chases the valuation, negotiates the conditions and picks up the phone when you ring with a question months later.
How We Get Paid, in Plain English
Most borrowers never ask, and most brokers never volunteer. Here is the whole arrangement in ordinary language.
Upfront commission
Trail commission
Fees on complex files
There is a conflict in this model and it deserves naming. Commission varies a little between lenders, so in theory a broker could favour the better-paying one. Our answer is to put the reasoning behind every recommendation in writing: which lenders were considered, why the recommended one won, and what was traded off.
Is it worth using a broker at all? The honest trade-off: any panel, however wide, is still not every lender in the market, so a broker widens your comparison without making it complete. Against that, you get policy knowledge across many lenders at once, someone accountable for the paperwork, and service that costs nothing on standard residential lending. Weigh that yourself, and ask any broker you interview, including us, these questions.
Our Licence and Accreditations
Numbers first, descriptions second, because a licence you cannot verify is marketing rather than accountability.
Australian Credit Licence status
Credit assistance in Australia operates under the National Consumer Credit Protection Act, and Your Mortgage Broker Salisbury acts as an authorised credit representative under the Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, whose licence obligations govern every recommendation this business makes.
Credit representative number
The representative number on file is 370592, recorded against Connective Credit Services Pty Ltd, which means your credit assistance is provided under a licensed regime with external accountability, not under a self-regulated arrangement, and the licence details appear in every credit guide.
How We Work
The accountable broker handles your file from the first call through to settlement. The business operates as a credit representative under number 370592 and Australian Credit Licence 389328, both published in the footer, with fees disclosed in writing.
AFCA membership
Complaints escalate beyond our internal process to the Australian Financial Complaints Authority, of which licensee Connective Credit Services Pty Ltd is a member, giving you access to an independent, free external dispute resolution body rather than a disagreement resting with the business itself.
How We Work With You
The full process is published on our home page, with real timelines attached to each stage. In short: a strategy conversation, a comparison across a panel of lenders, a recommendation explained in writing, then application, approval and settlement handled by the same person.
Where we work
Areas We Service
Your Mortgage Broker Salisbury works with borrowers in Salisbury and across the neighbouring suburbs of Moorooka, Tarragindi, Nathan, Coopers Plains and Rocklea, with each suburb getting lending help grounded in its own market conditions.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Salisbury?
Your Mortgage Broker Salisbury is a representative of Zanda Wealth Mortgage Brokers, fronted by Your Mortgage Broker Salisbury as an authorised credit representative. It is a small local practice, not a franchise, a lender or a comparison service.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, which authorises us to provide credit assistance under the National Consumer Credit Protection Act.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles, then a smaller trail commission while the loan runs. On standard residential lending this costs you nothing and does not change your rate.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, which is a genuine conflict. We manage it by writing out the reasoning behind every recommendation, so you can see why a loan was suggested before you commit to anything.
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, a free and independent external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders covering the major banks, smaller banks and non-bank lenders. No panel covers every lender in the market, and we will tell you plainly if your needs sit outside ours.
Mortgage broker for Salisbury and the suburbs around it
Get in Touch
Call (07) 3523 7116 or send a message through the site. The first conversation costs nothing, commits you to nothing, and leaves you knowing who would handle your loan, how we are paid and what your realistic options look like.