About us
About Your Mortgage Broker Graceville
Your Mortgage Broker Graceville is a mortgage broking business serving Graceville and Brisbane's western suburbs, built on a simple premise: publish who we are, how we are licensed, and how we are paid, then let you check all of it independently.
Why We Started a Broking Business in Graceville
Borrowers here carry serious loans, with a median household mortgage repayment of about $2,600 a month, yet most have never seen a broker's licence number, commission structure, or complaint process laid out honestly before committing.
Who You Actually Deal With
Everything on this page comes back to one person, because accountability needs a name attached to it, and an anonymous brand cannot hold a credit licence, join an industry association, or sit across a kitchen table and explain a loan structure properly.
The Broker on the File
Your file will be handled by Your Mortgage Broker Graceville from the first call through to settlement. The same broker manages your lending needs across home, investment and construction finance, supporting borrowers throughout Brisbane's western suburbs with fees disclosed clearly in writing.
Local Lending Experience
Graceville borrowers carry substantial household mortgages, with a median repayment of about $2,600 a month, and Your Mortgage Broker Graceville has worked files like these, including refinances, first home purchases, and family guarantee structures, in suburbs such as Chelmer, Indooroopilly and Tennyson.
Direct Access, No Handoff
Each conversation happens with the person responsible for your file, from the first strategy call through to settlement, with no call centre queue, no handoff to an offshore team, and no repeating your story to strangers on every follow-up call.
How We Get Paid, in Plain English
Most borrowers never ask how a broker is paid, and most brokers never volunteer it. Here it is, without hedging, because you cannot judge our advice without knowing what sits behind it.
Upfront commission
Trail commission
Who pays
Your rate
Fees
Commission amounts vary a little between lenders, which means we earn slightly more from some recommendations than others. That is a genuine conflict, and naming it beats denying it. We put the reasoning behind every recommendation in writing: which lenders were assessed, why the recommended one fits, and what the trade-offs were, so you can interrogate the advice rather than trust it.
Is it worth using a broker at all? The honest trade-off: a panel of lenders is wide, but it is not every lender in the market, and a bank branch offers only its own products.
Our Licence and Accreditations
The numbers below are stated, not described, and every one of them can be checked in a public register before you share a single financial detail with us.
Credit Licence Status
Broking is credit assistance under the National Consumer Credit Protection Act, which means this business operates as a credit representative authorised under Australian Credit Licence 389328, held by [LICENSEE NAME], and every activity we perform sits inside that authorisation.
Credit Representative Status
Our credit representative number is 370592, registered against the licensee's licence and visible in the public ASIC registers, so you can verify our authorisation yourself in minutes before you hand over a single document or share anything at all.
How We Work
Your Mortgage Broker Graceville handles your file personally from the first call through to settlement, keeps fees disclosed in writing, and follows a process published on this site, with 370592 and Australian Credit Licence 389328 shown clearly in the footer.
AFCA Membership
Your Mortgage Broker Graceville holds membership of the Australian Financial Complaints Authority, membership number [AFCA NUMBER], which means an independent body can review any complaint you raise and make a binding determination, at no cost to you, if we cannot resolve it ourselves.
How We Work With You
One conversation establishes where you stand, and from there you receive a written recommendation with the reasoning shown, real timelines for each stage, and direct updates from the person whose name is on this page throughout.
Areas We Service
Your Mortgage Broker Graceville works with borrowers across Graceville and the surrounding western suburbs, including Chelmer, Indooroopilly, Tennyson, Sherwood and Fig Tree Pocket, and every one of those suburbs receives the same published process and named-broker service.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Graceville?
Your Mortgage Broker Graceville is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Graceville as a credit representative. You deal with the named person on this page, not a franchise call centre, and the details above are checkable on the ASIC registers.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative, number 370592, authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. Both numbers appear in the public ASIC registers, so you can verify our authorisation yourself at any time.
How do you get paid if I don't pay a fee?
In most cases the lender pays us. An upfront commission is paid on settlement, and a smaller trail commission is paid while your loan runs. Neither comes out of your pocket, and neither changes the rate you are offered.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, and that is a genuine conflict worth naming rather than denying. Our answer is to put the reasoning behind every recommendation in writing, so you can see exactly why a lender was chosen.
What happens if I have a complaint?
Raise it with us first and we will work to resolve it directly. If that fails, you can take it to the Australian Financial Complaints Authority, an independent body that reviews complaints at no cost to you.
How many lenders can you actually access?
We write loans through a panel of lenders spanning major banks, smaller banks, and non-bank lenders, arranged through our licensee. We will not invent a number we cannot verify, so ask us and we will state it plainly.
Mortgage broker for Graceville and the suburbs around it
Get in Touch
Call (07) 3523 7109 to speak directly with Your Mortgage Broker Graceville about your loan or anything on this page you would like to check. There is no charge for the first conversation, and no obligation.