About us
About Your Mortgage Broker Craigburn Farm
Your Mortgage Broker Craigburn Farm is a mortgage broking business serving Craigburn Farm and the surrounding Mitcham foothills, built on published fees, a documented process and written reasoning behind every recommendation, because a new business earns trust through disclosure rather than through claims.
Why We Started a Broking Business in Craigburn Farm
Borrowers in this suburb were doing everything right and still getting single-answer lending: one bank, one opinion, one shot, and a form letter when it failed. That was the frustration. This business exists to put the whole market and the reasoning in front of you instead.
Who You Actually Deal With
The sections below introduce the person behind the licence, the local experience they bring and the way the working relationship runs from first call to settlement:
The Broker on File
Your file is handled by Your Mortgage Broker Craigburn Farm, the same credit representative from first call to settlement, matching foothills households with lenders whose policies fit. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
Local Case Experience
Cases around here tend to share a shape: family-sized loans on detached homes, households in the state's highest advantage decile, and median repayments near $2,383 a month, so the lender shortlist we build reflects how local incomes and properties read.
No Handoff, Ever
From the first conversation to the review after settlement, the person who takes your call is the person who holds the licence and knowledge, with no call centre handoff, no junior reassembling your story and no detail lost between departments.
How We Get Paid, in Plain English
Most people never ask how a "free" service is funded, which is exactly why the question deserves a straight answer before you engage anyone. Here is the whole picture:
Upfront commission
Trail commission
Fees in special cases
The uncomfortable question is whether commission shapes the recommendation. Commission does vary a little between lenders, and pretending otherwise would be insulting to you. The safeguard is written reasoning: for every loan we put forward, you receive the specific policy, structure and cost reasons that lender suited your file, so the logic is there to be challenged rather than taken on faith.
So is it worth using a broker? The honest trade-off is breadth. A panel of lenders gives you far more credit policies than any single bank, including lenders without branches whose rules often suit self-employed borrowers and low deposit purchases better. What any panel is not, including ours, is every lender in the market, and anyone promising total market coverage is selling something. We think wider access plus written reasoning beats one bank's opinion, but you now have both sides to judge for yourself.
Our Licence and Accreditations
Trust in credit advice should rest on checkable registration rather than on warm words, so here is every number, stated for you to verify independently:
Australian Credit Licence
Every business arranging credit in Australia works under an Australian Credit Licence, and Your Mortgage Broker Craigburn Farm operates as an authorised credit representative, number 370592, under Australian Credit Licence 389328 held by [LICENSEE NAME], verifiable by anyone on public professional registers.
Credit Representative Status
Being a credit representative rather than a licensee means our conduct is supervised by [LICENSEE NAME], which sets compliance standards, audits our files and carries ultimate responsibility for the credit assistance we provide, adding oversight standalone operators do not face.
How We Work
We follow a code of practice that goes beyond the legal minimum, including ongoing education and a clear dispute process. That sits alongside, never instead of, our AFCA obligations, and our credit representative details are always published in the footer.
AFCA Membership
Australian Financial Complaints Authority membership means that if you disagree with something we have done, you can take the matter to an independent and free external dispute body whose decisions bind us, a safeguard marketing language alone could never provide.
How We Work With You
Everything starts with a no-cost conversation about your position and goals, then moves through capacity calculation, a shortlist with written reasoning, application assembly and settlement coordination, with a review scheduled once your loan has bedded down and your circumstances can change:
Areas We Service
Your Mortgage Broker Craigburn Farm serves Craigburn Farm along with the neighbouring foothills suburbs of Blackwood, Hawthorndene, Coromandel Valley, Flagstaff Hill, Bellevue Heights and Eden Hills, all within the City of Mitcham, and we work with borrowers across greater Adelaide by phone and video where distance makes it easier.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Craigburn Farm?
Your Mortgage Broker Craigburn Farm is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Craigburn Farm as an authorised credit representative. There is no franchise head office and no call centre between you and the person doing the work.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], and our representative number is 370592. Both can be checked on the public professional registers.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles, and often a smaller ongoing payment while the loan runs. Neither comes out of your pocket or changes your rate.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, and we name that conflict openly. The answer is written reasoning: every recommendation comes with the specific policy and structure reasons behind it, so you can challenge them.
What happens if I have a complaint?
Raise it with us first and we will respond in writing. If you are not satisfied, you can escalate free of charge to the Australian Financial Complaints Authority, whose decisions bind us.
How many lenders can you actually access?
We write loans across a panel of lenders spanning major banks, regional banks and non-bank lenders. Any panel, however wide, is still not every lender in the market, and we say so plainly.
Mortgage broker for Craigburn Farm and the suburbs around it
Get in Touch
Call Your Mortgage Broker Craigburn Farm on (08) 8451 3906 to talk through your position with the person who will actually manage your file, or read the service pages first and bring your questions along. The first conversation costs nothing and commits you to nothing.