About us
About Your Mortgage Broker Emu Plains
Your Mortgage Broker Emu Plains arranges home loans for buyers, owners and investors in Emu Plains and across the City of Penrith. This page sets out who we are, how we are licensed, exactly how we get paid, and what you can expect when you deal with us.
Why We Started a Broking Business in Emu Plains
Emu Plains borrowers kept telling us the same story: one bank, one answer, no explanation. With median mortgage repayments here around $2,200 a month, people deserved a service that shopped the whole market.
Who You Actually Deal With
One person runs every file here, and the points below set out who that is, what they bring to your application, and how the working relationship runs from first call to settlement:
The broker on file
Your file is handled by Your Mortgage Broker Emu Plains, the same accountable broker from first call to settlement. Our Credit Guide sets our representative number 370592 and Australian Credit Licence 389328 in writing, so you can check those details independently.
Local lending experience
Structuring loans across Emu Plains and Penrith for years means we know precisely how lenders assess local brick-veneer family homes on Russell Street, older cottages near the river, and newer townhouse infill around the station and Lennox Village shopping centre.
No handoffs, ever
When you ring you speak with the same person who arranged your loan, not a call centre reading notes, so questions about conditions, repayments or structure are answered by someone who already knows your file from the first conversation onward.
How We Get Paid, in Plain English
Most people assume a free service must have a catch, so here is the whole arrangement, written down where a sceptic can check it.
Upfront commission
Trail commission
What this costs you
When a fee applies
Now the uncomfortable part. Commission rates vary slightly between lenders, which means a genuine conflict of interest exists and we would rather name it than deny it. Our answer is to put the full reasoning behind every recommendation in writing: which policies matched your situation, which income treatments mattered, and why the shortlist looks the way it does. You can then test that reasoning yourself.
Is it worth using a broker at all? The honest trade-off is that even a wide panel is not every lender in the market, so a broker search is broader than a branch but not literally exhaustive. What you get is credit policy knowledge across dozens of institutions, preparation that keeps files moving, and one accountable person, which most buyers conclude favours the broker.
Our Licence and Accreditations
Numbers beat adjectives in this industry, so we state our credentials rather than describe them, and every figure below can be checked against public registers before you commit:
Credit licence status
Your Mortgage Broker Emu Plains operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by the Australian Securities and Investments Commission, meaning every activity we undertake in arranging finance sits inside a licensed, audited and regulated framework.
Credit representative status
Our representative status carries 370592, recorded publicly against the licensee's register, so you can confirm who authorises us, what activities we may undertake on your behalf, and which obligations we owe you under the National Consumer Credit Protection Act.
How We Work
When you contact Your Mortgage Broker Emu Plains, the same accountable broker handles your file from the first call to settlement. Our credit representative number 370592 and Australian Credit Licence 389328 are published in the footer, fees are disclosed in writing.
AFCA membership
We are members of the Australian Financial Complaints Authority, member number [AFCA NUMBER], which means an independent, free external complaints body stands behind every recommendation we make, and you never depend on us to judge a dispute about our conduct.
How We Work With You
It starts with a conversation about what you want, continues through a shortlist built on your numbers, then lodgement, approval and settlement, with the reasoning behind every step documented.
Areas We Service
From Emu Plains we arrange loans across the City of Penrith and the lower Blue Mountains, including Castlereagh, Penrith, Jamisontown, Regentville, Leonay and Glenbrook, each covered on its own suburb page for borrowers who want the local detail.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Emu Plains?
Your Mortgage Broker Emu Plains is a representative of Zanda Wealth Mortgage Brokers, a credit representative authorised under [LICENSEE NAME]'s Australian Credit Licence. The broker you deal with is Your Mortgage Broker Emu Plains, whose details appear on our Credit Guide.
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. Every activity we undertake is authorised under that licence.
How do you get paid if I don't pay a fee?
The lender pays us a commission when your loan settles, and a smaller trail commission while the loan runs. Neither comes out of your pocket, and we disclose both amounts in writing before you sign anything.
Do you get paid more for recommending certain lenders?
Commission rates vary slightly between lenders, and that is a genuine conflict we name rather than deny. We manage it by putting the full reasoning behind every recommendation in writing, so you can check it against the panel yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If you are not satisfied, you can take it to the Australian Financial Complaints Authority, an independent body whose service is free and whose decisions bind us.
How many lenders can you actually access?
We work from a panel of lenders assembled and maintained by our licensee, spanning major banks, smaller banks and non-bank lenders. The current panel is listed in our Credit Guide, which we give you at the first meeting.
Mortgage broker for Emu Plains and the suburbs around it
Get in Touch
The first conversation costs nothing and commits you to nothing. Call (02) 9072 0647 during business hours or send a message through the site, and Your Mortgage Broker Emu Plains will come back to you with a clear picture of where you stand.