About us
About Your Mortgage Broker Karrinyup
Your Mortgage Broker Karrinyup is a mortgage broking business serving Karrinyup and the surrounding northern suburbs of Perth. This page sets out who you deal with, how we are paid, and the licence numbers behind everything we do.
Why We Started a Broking Business in Karrinyup
Too many borrowers discover, mid-application, that a bank's process protects the bank: weeks of silence, documents requested twice, and nobody accountable for the outcome. We started this business to give Karrinyup borrowers the opposite experience, and to prove it with published details rather than promises.
Who You Actually Deal With
You deal with one person from the first call through to settlement, and here is exactly who that person is, what qualifies them, and how the working arrangement protects you:
The Broker on Your File
Your file sits with Your Mortgage Broker Karrinyup, who handles it personally from the first phone call through to settlement, so the person advising you is a named individual accountable for every step rather than unfamiliar staff at a local branch counter.
Local Experience That Counts
Karrinyup files carry their own patterns, from four bedroom family homes on generous blocks to units near the shopping centre, and a broker working here daily reads valuations and lender appetites for the area faster than a distant call centre.
Direct Access, No Handoff
Everything from the strategy call through settlement and the check-in is handled by that same broker directly, with no handoff to a processing team, no message relayed through assistants, and no colleague starting cold on a file they never saw.
How We Get Paid, in Plain English
Here is the part most brokers leave in the fine print, and we would rather put it on the table before you ask.
Upfront commission
Trail commission
Fees on complex files
Disclosure
Now the conflict, named plainly rather than denied: commission amounts vary a little between lenders, which means a recommendation could in theory be influenced by what it pays. Our answer is to put the reasoning behind every recommendation in writing, including the alternatives considered and why they were set aside, so you can audit the decision instead of trusting it.
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, and a direct bank can occasionally win on fit. What a broker adds is the search across policies that treat your income, deposit and property type differently, plus one accountable person carrying your file. For most borrowers, that search is the value; for a few, the bank down the road genuinely is the answer, and we will say so.
Our Licence and Accreditations
Everything below is checkable, and we would rather you checked it than took our word for any of it:
Australian Credit Licence
Australian credit law requires anybody arranging home loans to hold an Australian Credit Licence or act as an authorised credit representative under one, and Your Mortgage Broker Karrinyup operates under [LICENSEE NAME], licence number 389328, a registration you can verify through ASIC.
Credit Representative Status
The credit representative number attaching this business to that licence is 370592, which means every credit activity we perform is carried out under the licensee's supervision, its dispute resolution obligations and its compliance framework, rather than under no oversight.
How We Work
Every loan file follows the same published process: fees disclosed in writing before you commit, plain answers at each step, and the same accountable broker handling your file from your first call to settlement under Australian Credit Licence 389328.
AFCA Membership
Complaints that cannot be resolved directly with us go to the Australian Financial Complaints Authority, an independent and free external dispute resolution body, and our membership of it gives you a formal avenue that operates regardless of what happens internally.
How We Work With You
The first conversation is free and commits you to nothing. From there we map your position, shortlist against the panel, and keep you informed at every stage. You always know where your file sits and what happens next, and you can read the detail on our home page.
Where we work
Areas We Service
We work across Karrinyup and the neighbouring suburbs of Carine, Gwelup, Innaloo, Doubleview, Scarborough and Trigg, with local knowledge of lender policy and valuations in each one.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Karrinyup?
Your Mortgage Broker Karrinyup is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Karrinyup as a credit representative under [LICENSEE NAME] and its Australian Credit Licence. There is no bank or lender behind the business.
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 are an AFCA member, so every complaint pathway required under the credit regime is open to you.
How do you get paid if I don't pay a fee?
On standard residential files the lender pays us an upfront commission at settlement and a smaller trail commission while the loan runs. Neither comes from your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Commission amounts differ a little between lenders, and that is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, naming the alternatives considered, so you can audit the decision.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If it is not resolved to your satisfaction, you can take it to the Australian Financial Complaints Authority, a free and independent dispute resolution service.
How many lenders can you actually access?
We work from a panel of lenders rather than quoting a figure, because accreditations change. The panel covers major banks, regional banks and non-bank lenders, and every shortlist is built around your file.
Mortgage broker for Karrinyup and the suburbs around it
Get in Touch
Call (08) 6311 4000 for a free, no-obligation conversation about your lending, or read the service pages on this site first. Either way, you will speak to the broker whose name is on the file, not a call centre.