About us
About Your Mortgage Broker Bacchus Marsh
Your Mortgage Broker Bacchus Marsh is a mortgage broking practice serving Bacchus Marsh and the surrounding Moorabool district, built around one named credit representative, a published fee structure and reasoning you can read, question and keep.
Why We Started a Broking Business in Bacchus Marsh
Getting a home loan here should not mean settling for whatever one branch offers, yet that is precisely the position most local borrowers are in, and it costs real households real money every year it continues.
Who You Actually Deal With
Broking is a personal service delivered by a person, so the most important thing this page can do is introduce that person properly and put their credentials where you can check them:
The Broker On File
Your Mortgage Broker Bacchus Marsh is the credit representative behind Your Mortgage Broker Bacchus Marsh, so the person you first meet is the same person accountable for every recommendation, handling your file from the first call. Our 370592 and 389328 are published in the footer.
Local Lending Experience
Experience here covers the situations Bacchus Marsh actually presents: first homes in Darley, family guarantees for buyers short on deposit, construction draws around nearby Maddingley, and refinancing households whose median mortgage repayment runs near $1,700 a month, all handled locally.
No Handoffs, Ever
When you call, you speak with the broker who assessed your file, lodged your application and negotiated with the lender, with no call centre layer, no junior handoff and no repeating your story to a different person every single time.
How We Get Paid, in Plain English
Most borrowers never learn how brokers are paid, and the silence breeds suspicion that is honestly not unreasonable. Here is the whole arrangement, with nothing held back:
Upfront commission
Trail commission
Your cost in standard cases
When a fee applies
It is worth naming the conflict directly rather than pretending it does not exist. Commission amounts vary a little between lenders, which means the panel is not perfectly neutral. Our answer is not denial, it is documentation: every recommendation comes with written reasoning showing which lenders were considered, why each was kept or set aside, and what we are paid on each one.
And the honest answer to whether a broker is worth it: we run a comparison across a panel of lenders that would take you weeks to replicate, but no panel, however wide, covers every lender in Australia, and we will say so when your situation might suit one outside it.
Our Licence and Accreditations
Trust in this industry should rest on verifiable credentials rather than slogans, so here are the licence, representative, association and complaints details that govern everything we do, stated plainly:
Australian Credit Licence Status
Your Mortgage Broker Bacchus Marsh does not hold its own Australian Credit Licence; it operates as an authorised credit representative under licence number 389328, held by [LICENSEE NAME], which means every credit activity is conducted within that licensee's supervision and regulatory compliance framework.
Credit Representative Registration
Credit representative number 370592 identifies this business on the licensee's register, so you can verify the authorisation independently before engaging, and any question about what that authorisation permits can be answered fully in writing before you commit to anything.
Accountability You Can Check
The practice works to a published process and discloses all fees in writing, so borrowers have a clear, formal layer of accountability beyond the statutory ones, with the same accountable broker always handling the file from first call to settlement.
AFCA Complaints Access
Australian Financial Complaints Authority membership means that if you disagree with any outcome and cannot resolve it directly with us, an independent external body can review the whole matter, at no cost to you, and its determinations bind the licensee.
How We Work With You
The process runs from a free first conversation through research, written recommendation, lodgement and settlement, with each stage, its timeline and the person holding the ball set out before you commit to anything.
Areas We Service
From Darley and Merrimu through to Hopetoun Park, Parwan, Maddingley and Pentland Hills, Your Mortgage Broker Bacchus Marsh works with borrowers across Bacchus Marsh and the wider Moorabool district, including rural addresses on the town's fringes.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Bacchus Marsh?
Your Mortgage Broker Bacchus Marsh is a representative of Zanda Wealth Mortgage Brokers, an authorised credit representative, number 370592, under Australian Credit Licence 389328 held by [LICENSEE NAME]. Your Mortgage Broker Bacchus Marsh fronts the business and handles your file personally.
Are you licensed to arrange home loans?
Yes. We act under Australian Credit Licence 389328, held by [LICENSEE NAME], which authorises credit activities under the NCCP Act. Our representative number is 370592, and both details can be verified independently before you engage us.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission on settlement, then a trail commission while your loan runs. Neither comes out of your pocket and neither changes your rate. A fee may apply only on complex files outside standard lending, stated in writing first.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, and that is a genuine conflict we name rather than deny. Our answer is written reasoning: every recommendation comes with the lenders considered, why each was kept or set aside, and what we are paid on each.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, an independent external body whose membership is compulsory for us and which can determine the outcome.
How many lenders can you actually access?
We work across a panel of lenders spanning major banks, regional banks and non-bank lenders. No broker reaches every lender in Australia, and any panel is still a subset of the market, so we tell you when your situation might suit a lender outside it.
Mortgage broker for Bacchus Marsh and the suburbs around it
Get in Touch
Call (03) 9122 8522 for a free, no-obligation conversation about your lending plans, or send your questions in writing and Your Mortgage Broker Bacchus Marsh will answer them personally, credentials and reasoning included.