About us
About Your Mortgage Broker Roseville
Your Mortgage Broker Roseville provides mortgage broking for Roseville and the surrounding Upper North Shore, built on a published process, a named broker and fee disclosure you can read before you commit to anything.
Why We Started a Broking Business in Roseville
Too many borrowers around Roseville were taking their bank's first offer as final, then paying for it for decades, because nobody had shown them what the wider market would do with the same file.
Who You Actually Deal With
Mortgage broking attracts plenty of brands and very few names. Your Mortgage Broker Roseville works the other way round: the person who answers your first call is the person who writes your application, sits in your credit assessment and chases your approval, and that person's credentials, licence standing and experience are published below rather than buried in a register you would never think to search. If that level of transparency feels unusual in this industry, that is precisely the point of it.
The Broker on File
Your file is handled by Your Mortgage Broker Roseville, the same accountable broker from first call to settlement. Every Roseville application, purchase, refinance or construction file, follows a published process, with fees disclosed in writing and credit representative details in the footer.
Local Lending Experience
Experience with Ku-ring-gai properties shapes the advice here: heritage restrictions in the conservation areas, low valuations on renovated bungalows and the timing pressures of an auction market just minutes from the Sydney CBD all appear regularly across the local files.
Direct Access Guaranteed
You deal directly and personally with the same person from the first phone call through to settlement, with no call centre handoff, no junior running the file and no repeating your circumstances to a different voice every time you ring.
How We Get Paid, in Plain English
Here is the part most broking websites bury, and the two questions nobody ranking on this topic answers honestly: how does a free service actually pay for itself, and what does that payment do to the advice you receive?
Upfront commission
Trail commission
Fees to you
Now the uncomfortable part, stated plainly: commission amounts vary a little between lenders, which means a broker's income is not perfectly neutral across a panel. Pretending otherwise is how this industry loses people's trust. Our answer is to put the reasoning behind every recommendation in writing, so you can see which lenders were considered, why one won and what the outcome means for you. If the working cannot survive being read, it should not be the recommendation.
Is it worth using a broker, then? The honest trade-off: a panel, however wide, is still not every lender in the market, and a single bank branch is not either. What you gain is scale across policy rather than one institution's rules, and a person accountable by licence number for the advice they give you.
Our Licence and Accreditations
Numbers beat adjectives, and the numbers that matter in broking are the ones regulators issue: the licence we operate under, our representative registration, our association membership and our external dispute resolution scheme. Each is stated below so you can verify it independently.
Credit Licence Status
Broking is regulated under the National Consumer Credit Protection Act, and Your Mortgage Broker Roseville operates as a credit representative under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, which carries full responsibility for the conduct of every loan we arrange here.
Credit Representative Registration
The credit representative number recorded against our authorisation is 370592, and you can verify that registration directly with Connective Credit Services Pty Ltd at any time during business hours, a check we actively encourage every prospective client to complete before engaging us.
Accountability You Can Expect
We hold ourselves to a clear code of conduct covering suitability assessments, conflicts disclosure and continuing education, and we give you a formal pathway if standards ever slip below expectations, with 370592 and 389328 published in the footer.
External Dispute Resolution
As a member of the Australian Financial Complaints Authority, we fall under an independent external dispute resolution scheme you can access free of charge if a complaint cannot be resolved with us directly, an accountability borrowers never think to check.
How We Work With You
It starts with a free strategy call covering your position, your goals and the structures that fit, then moves through capacity assessment, application, approval and settlement, with a stated timeline at each stage so nothing sits in silence.
Where we work
Areas We Service
Based in Roseville, we help borrowers across Ku-ring-gai and the lower North Shore, including East Lindfield, Roseville Chase, Castle Cove, North Willoughby, Chatswood and Chatswood West.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Roseville?
Your Mortgage Broker Roseville is a representative of Zanda Wealth Mortgage Brokers, operated by credit representative Your Mortgage Broker Roseville under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd. The licence details appear in full on this page.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under 370592, authorised by the licensee behind Australian Credit Licence 389328, which regulates 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 the loan settles and a trail commission while it runs. Neither comes out of your pocket, and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Sometimes commission amounts vary between lenders, and that is a genuine conflict we name openly. Our answer is written reasoning: every recommendation comes with the comparison behind it, so you can challenge it.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If it remains unresolved, you can take it to the Australian Financial Complaints Authority, an independent scheme, at no cost.
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 the entire market, and if your needs point outside ours, we will say so.
Mortgage broker for Roseville and the suburbs around it
Get in Touch
If you are buying, refinancing or restructuring around Roseville, call (02) 9072 0668 for a free, no-obligation conversation about your position. There is no pressure and no commitment; just a clear read on where you stand before you apply anywhere.