About us
About Your Mortgage Broker Woodcroft
Your Mortgage Broker Woodcroft is a mortgage broking service based in Woodcroft, operating openly as a credit representative under a licensed Australian Credit Licence holder, with a named broker, a published process and every commission disclosed in writing.
Why We Started a Broking Business in Woodcroft
Borrowers here kept describing the same frustration: one bank, one policy, one answer, and no help when that answer was no. A suburb where nearly half of dwellings are still being paid off deserves a broker whose loyalty sits with the household, not the institution.
Who You Actually Deal With
Every file is handled by a named, credentialed person whose licence status you can check yourself before you engage us. These are the details that matter:
The Broker on Record
Your broker on record is Your Mortgage Broker Woodcroft, and the person you meet on day one manages your file personally through to settlement. As a credit representative with number 370592 and Australian Credit Licence 389328, published in the footer.
Local Case Experience
The case mix here is distinctive: mostly 1990s brick-veneer family homes on former State Brickworks land, a median mortgage repayment of about $2,275 a month, and nearly half of dwellings still being paid off, so refinancing, equity and guarantees dominate.
One Person, No Handoff
You deal with one person from the first strategy call through to settlement and the annual review afterwards, no call centre, no processing handoff and no repeating your own story, since the broker assessing your situation also does the work.
How We Get Paid, in Plain English
Most borrowers never ask how a free service funds itself, and the ones who do ask often expect a evasive answer. Here is the whole arrangement.
Upfront commission
Trail commission
Fees on complex files
The conflict we will name
Is it worth using a broker at all? If your situation is a clean PAYG application that your bank approves without fuss, a broker adds little and we will say so. The value appears when policy, income structure or timing complicates the file, because a broker reads the differences between lenders that a single bank cannot show you. The honest trade-off cuts the other way too: any panel, however wide, is still not every lender in the market, and we will tell you plainly when your best option sits outside it.
Our Licence and Accreditations
Trust claims are cheap, so here are the verifiable ones instead, each checkable in the public record:
Credit Licence Status
Credit assistance in Australia requires an Australian Credit Licence or authorisation under one, so you can verify our standing before engaging us by searching the public register, where licensee [LICENSEE NAME] shows against Australian Credit Licence 389328, publicly listed.
Credit Representative Status
Your Mortgage Broker Woodcroft operates as a credit representative rather than a licence holder, with credit representative number 370592 recorded against the licensee's authorisation, meaning the conduct rules, duties, obligations and complaint pathways applying to the licensee also govern everything we do.
Who You Deal With
Our broker is accountable for your file from the first call through to settlement, and the business operates as a credit representative under 370592 and 389328, published in the footer, so you can verify the licensee for yourself.
AFCA Membership
Membership of the Australian Financial Complaints Authority is a condition of credit licensing, and it means if you disagree with how we handled your file, an independent and free external dispute resolution service can review the matter with binding outcomes.
How We Work With You
One conversation to understand your position, a shortlist explained in plain language, written disclosure of every figure, and the same broker from first call to settlement. If we believe you are not ready to borrow, we will tell you what to fix first.
Where we work
Areas We Service
We are based in Woodcroft and work across the surrounding City of Blacktown, serving Marayong, Blacktown, Doonside and Quakers Hill, along with every street between Woodcroft Lake and the M7.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Woodcroft?
Your Mortgage Broker Woodcroft is a representative of Zanda Wealth Mortgage Brokers, and the broker you deal with day to day is Your Mortgage Broker Woodcroft, who operates as a credit representative under [LICENSEE NAME], with 370592.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by [LICENSEE NAME], with our own credit representative number 370592, so every credit activity we perform is authorised and regulated under the NCCP Act.
How do you get paid if I don't pay a fee?
The lender whose loan you settle pays us an upfront commission, then a smaller trail commission while the loan runs. If a fee ever applies to a complex file, we state it in writing before you commit.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, and we name that openly. The control is disclosure: we put the reasoning and the commission figures behind every recommendation in writing before you sign anything.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you remain unsatisfied, you can take the matter to AFCA, an independent and free external dispute resolution service whose decisions bind us.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and smaller specialists. We will tell you at the first conversation which lenders suit your situation and why, in plain language.
Mortgage broker for Woodcroft and the suburbs around it
Get in Touch
Call (02) 9072 0668 for a free, no-obligation conversation about your borrowing plans, or read the Woodcroft home page first if you would rather see how we work before we speak.