About us
About Your Mortgage Broker Ngunnawal
Your Mortgage Broker Ngunnawal is a mortgage broking business serving Ngunnawal and the Gungahlin corridor. This page sets out who fronts it, how it earns money, what licences stand behind the work, and what you can expect here.
Why We Started a Broking Business in Ngunnawal
Bank branches keep closing, call centres keep growing, and borrowers keep getting generic answers from people who have never seen their suburb or their street. Your Mortgage Broker Ngunnawal started because local lending advice had become anything but local.
Who You Actually Deal With
Every trust signal on this page comes back to one thing: a real, named, licensed person. Here is exactly who handles your file and what they bring to it:
The Broker on Your File
Your file is handled by Your Mortgage Broker Ngunnawal, the same accountable broker from your first call through to settlement, supporting home, investment and self-employed lending for Canberra households, with fees disclosed in writing and our process published openly on the site.
Local Files, Familiar Patterns
Files from Ngunnawal and neighbouring Gungahlin suburbs form a steady share of the work, covering first homes, refinances and construction, so the local lender policies that decide outcomes are familiar territory, which shortens the path from first call to lodgement.
One Person, Start to Finish
You always deal directly with that same person from the first strategy call through to settlement and beyond, with no call centre, no junior handoff and no repeating your own story to a different stranger every single time you call.
How We Get Paid, in Plain English
Most people never ask how a broker is paid, and the industry generally prefers it that way. Here is the whole arrangement, with nothing tucked into the fine print:
Upfront commission
Trail commission
Who actually pays
When a fee applies
One conflict deserves naming rather than denying: upfront commission varies a little between lenders, so two similar loans can pay the broker different amounts. The safeguard is transparency, and every recommendation comes with the reasoning in writing, including which alternatives were considered and why they were set aside.
Is it worth using a broker at all? For a straightforward file with a healthy deposit and clean income, possibly not. Where policy matters, such as self-employed income, a small deposit or an unusual property, matching the file to the right lender's rules is where the value sits. One honest limit applies: any panel, however wide, is still not every lender in the market.
Our Licence and Accreditations
Rather than describe our credentials in vague terms, here are the four that matter, each with its number stated so you can verify them independently:
The Licence Behind the Work
The licence that authorises this credit activity is not the brand's own: [LICENSEE NAME] holds Australian Credit Licence 389328, and every loan arranged here sits under that licence and its ongoing compliance obligations, dispute processes and responsible lending duties.
Credit Representative Status
As the credit representative on that licence, Your Mortgage Broker Ngunnawal operates under representative number 370592, which means the conduct, the advice and the files are all recorded, monitored and answerable to a licensee with real enforcement power over every recommendation made.
Accountability You Can Check
Every file is handled by one accountable broker from first call to settlement, and the business operates as a credit representative under number 370592 with Australian Credit Licence 389328, both published in the footer alongside our written process.
External Dispute Resolution
Complaints that cannot be resolved directly escalate to the Australian Financial Complaints Authority, of which the licensee is a current AFCA member, giving you access to a completely free, independent external dispute resolution process with binding outcomes for both sides.
How We Work With You
Working with Your Mortgage Broker Ngunnawal starts with a free strategy call, moves through capacity testing and a written shortlist, then lodgement, approval and settlement, with each stage's timing and output explained before you commit to anything.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Ngunnawal?
Your Mortgage Broker Ngunnawal is a representative of Zanda Wealth Mortgage Brokers, operated by credit representative Your Mortgage Broker Ngunnawal. It is not a lender, a bank or a comparison service; it arranges loans under [LICENSEE NAME]'s Australian Credit Licence.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Ngunnawal operates as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises credit assistance for home and investment lending under the NCCP Act.
How do you get paid if I don't pay a fee?
The lender pays commission, an upfront amount at settlement and a smaller trail while the loan runs. Neither comes from your pocket or alters your rate, and a fee on complex lending would be quoted in writing first.
Do you get paid more for recommending certain lenders?
Sometimes, yes. Commission levels vary slightly between lenders, which is a genuine conflict. We manage it by putting the reasoning behind every recommendation in writing, including the alternatives considered and why they were not recommended.
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 AFCA, the licensee's free external dispute resolution scheme, at any time.
How many lenders can you actually access?
We work with a panel of lenders whose composition changes as licensee agreements change, so we do not publish a figure. What we can confirm is that any panel is still not every lender in the market.
Mortgage broker for Ngunnawal and the suburbs around it
Get in Touch
Ready to talk it through? Call Your Mortgage Broker Ngunnawal on (02) 9072 0640 for a free strategy call, or send your questions by email. You will speak with the broker named above, and nothing about that first conversation carries any obligation.