About us
About Your Mortgage Broker Patterson Lakes
This page explains who stands behind Your Mortgage Broker Patterson Lakes, how the business is licensed, how it earns income and what you can expect, because a borrower should be able to check all four before handing over documents.
Why We Started a Broking Business in Patterson Lakes
Too many borrowers sit in a bank branch, receive one lender's verdict and never learn a different lender would approve the same file, and Your Mortgage Broker Patterson Lakes exists because that experience is common, fixable and unfair.
Who You Actually Deal With
Rather than a brand mascot, you get a named person with checkable credentials and a licence number behind them, and the three points below cover exactly who that is, what they have handled and how contact works:
The Broker on File
Your Mortgage Broker Patterson Lakes is the credit representative who fronts this business, and every application is handled personally rather than passed on to a call centre, with credit representative number 370592 and Australian Credit Licence 389328 published in the footer.
Local Lending Experience
Loans settled around Patterson Lakes include canal-front houses with moorings, apartments near the shopping centre and refinances for households carrying a median repayment of about $2,100 a month, so the files we work on share the shape of yours closely.
Direct Access, No Handoff
From the first phone call through to settlement day and the year-one review, the person you speak with is the person who prepared your file, which means nothing gets lost between departments and nobody has to retell your story twice.
How We Get Paid, in Plain English
Here is something plenty of brokers never volunteer: we are paid by lenders, not by you, and that arrangement shapes this industry whether anyone admits it or not. Rather than leave you guessing, this section sets out exactly where our income comes from.
Upfront commission
Trail commission
No change to what you pay
When a fee applies
Now the honest part. Commission levels vary a little between lenders, which is a genuine conflict of interest and we will not pretend otherwise. Our answer is not to deny it but to put the reasoning behind every recommendation in writing, including the other options considered and why each one ranked lower.
Is it worth using a broker at all? If your file is straightforward and you already know exactly which lender suits you, maybe not. For everyone else, a panel of lenders and someone accountable for the outcome usually outweighs the conflict, with one honest caveat: any panel, however wide, is still not every lender in the market.
Our Licence and Accreditations
You should not take any of this on faith, because every claim below carries a number you can verify against public registers, which is precisely the check any careful borrower should run before choosing a broker:
Australian Credit Licence
Credit activities are authorised under Australian Credit Licence 389328, held by [LICENSEE NAME], which regulates who may arrange home loans in Australia and imposes obligations on training, record keeping and dispute resolution that shape every step of our process.
Credit Representative Status
Your Mortgage Broker Patterson Lakes operates as Credit Representative 370592 under that licence, which means the licensee supervises our compliance, audits our files and carries ultimate responsibility for the advice given, so you always have two clear layers of accountability rather than one.
How We Stay Accountable
Accountability here does not rest on credentials alone. The practice operates as a credit representative, with number 370592 and Australian Credit Licence 389328 published in the footer, alongside AFCA access, a published process, and fees disclosed in writing.
AFCA Membership
AFCA membership provides a free, independent external dispute resolution service for clients, which means if a complaint cannot be resolved with us directly you can take it to an independent body rather than left with our own internal complaints process.
How We Work With You
Everything begins with a free conversation about your goals, moves through document gathering, capacity modelling, written recommendations and lodgement, and continues with a review after your first year, so the loan keeps fitting your life rather than the other way around.
Where we work
Areas We Service
From Patterson Lakes we work across the City of Kingston and the surrounding bayside pocket, serving clients in Chelsea Heights, Bangholme, Sandhurst, Carrum Downs, Seaford and Carrum, in person, by phone or by video call.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Patterson Lakes?
Your Mortgage Broker Patterson Lakes is a representative of Zanda Wealth Mortgage Brokers and is run personally by Your Mortgage Broker Patterson Lakes, a credit representative authorised under Australian Credit Licence 389328, which is held by [LICENSEE NAME], not by us.
Are you licensed to arrange home loans?
Yes. We operate as Credit Representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises us to provide credit assistance for residential home loans and to act on your behalf during the application.
How do you get paid if I don't pay a fee?
The lender pays us commission, an upfront amount at settlement and a smaller trail commission while the loan runs. Neither comes out of your pocket, and neither changes the rate or fees the lender offers you.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, and that is a genuine conflict we name rather than hide. Our safeguard is written reasoning with every recommendation, listing the alternatives considered and why each was set aside.
What happens if I have a complaint?
Raise it with us first and we will respond promptly with a written outcome. If you are not satisfied, you can take the matter to AFCA, an independent and free external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional banks and non-bank lenders. The exact count sits on the licensee's accreditations and is disclosed in our credit guide before any application begins.
Mortgage broker for Patterson Lakes and the suburbs around it
Get in Touch
Every conversation starts with a free strategy call that commits you to nothing. Call Your Mortgage Broker Patterson Lakes on (03) 9122 8521 or send a message, and you will speak with the broker named above, not a call centre, usually within one business day.