About us
About Your Mortgage Broker Port Fairy
About Your Mortgage Broker Port Fairy covers the people, the licence, and the money, in that order, because a borrower handing over pay slips and tax returns deserves to know exactly who is on the other end and how that person earns a living.
Why We Started a Broking Business in Port Fairy
A borrower in a town of 3,742 people once had two choices: whatever branch served the district, or an internet form with a call centre at the other end. We started this business because neither was ever a real choice, and somebody local should be accountable for the loan you end up with.
Who You Actually Deal With
The person whose name goes on your credit proposal is the person who does the work, so here is exactly who that is:
The Broker on File
Your broker on file is Your Mortgage Broker Port Fairy, who handles every Port Fairy home loan from first call to settlement, specialising in residential lending for coastal regional Victorian borrowers. Representative number 370592 and Australian Credit Licence 389328 appear below.
Local Cases That Shaped the Practice
Working this district means understanding how lenders read fishing incomes, seasonal tourism work, self-employed trades, and heritage-listed cottages near the river, and that local case experience shapes which lender we approach first when your particular lending file reaches our desk.
No Handoffs, Ever
From the first phone call through to settlement day and every annual review afterwards, you deal directly with Your Mortgage Broker Port Fairy rather than a call centre, a junior assistant, or a different voice each time you ring us with a question.
How We Get Paid, in Plain English
Most borrowers never ask how a broker earns money, which is strange, because it should decide everything. Here is the full picture:
Upfront commission, paid by the lender
Trail commission while the loan runs
Nothing on standard residential lending
A fee only on unusual files
Here is the conflict we would rather name than deny: commission levels vary a little between lenders, so no panel is perfectly neutral. We manage that two ways. Every recommendation arrives with our reasoning in writing, and the trail income we earn depends on your loan still suiting you years down the track.
Is it worth using a broker at all? The honest trade-off is access versus completeness. A broker panel spans major banks, regional lenders and non-bank lenders, which is far wider than any single branch, but it is still not every lender in the Australian market. If the right loan for you sits outside our panel, we will say so plainly.
Our Licence and Accreditations
Every claim below carries a number you can independently verify rather than a description you have to take on trust, starting with the licence itself:
The Australian Credit Licence
Connective Credit Services Pty Ltd holds Australian Credit Licence 389328, issued and regulated by the Australian Securities and Investments Commission, and that licence authorises the credit activities Your Mortgage Broker Port Fairy performs as a credit assistant operating under the National Consumer Credit Protection Act 2009.
Our Credit Representative Status
As an authorised representative operating under that licence, Your Mortgage Broker Port Fairy is appointed as Credit Representative 370592, which means every piece of credit advice given on your file is the responsibility of the licensee, and you can verify the appointment publicly.
How We Stay Accountable
The practice operates as a credit representative under an Australian Credit Licence, and that licence carries regulatory obligations. Fees are disclosed in writing, the process is published, and the same accountable broker handles your file from first call to settlement.
External Dispute Resolution Access
Complaints that cannot be resolved directly go to the Australian Financial Complaints Authority, of which the licensee holds membership, giving you access to an independent, free external dispute resolution body rather than leaving you to fight a dispute entirely alone.
How We Work With You
There is no mystery to the working method: a free first conversation, a full fact find, written reasoning with every recommendation, and an annual review after settlement. The detailed four-step version, with real timelines attached, lives on the home page.
Where we work
Areas We Service
We work with borrowers across Port Fairy and the wider Moyne shire, including Koroit, Dennington, and Warrnambool, and phone or video appointments suit anyone who would rather talk from their own kitchen table.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Port Fairy?
Your Mortgage Broker Port Fairy is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Port Fairy as an authorised credit representative. The licensee carries ultimate legal responsibility for everything we do.
Are you licensed to arrange home loans?
Yes. We operate as Credit Representative 370592 under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, which authorises credit assistance for residential home loans.
How do you get paid if I don't pay a fee?
The lender pays a commission when your loan settles, plus a smaller trail amount while the loan runs. Neither comes from your pocket, and both are disclosed in your credit guide.
Do you get paid more for recommending certain lenders?
Some lenders do pay slightly more commission than others, and pretending otherwise would be dishonest. We put our reasoning for every recommendation in writing, so you can judge it yourself.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it is not resolved, you can take it to the Australian Financial Complaints Authority, a free and independent external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional lenders and non-bank lenders, confirmed in our credit guide. No panel covers every lender in Australia, and we will tell you if yours sits outside it.
Mortgage broker for Port Fairy and the suburbs around it
Get in Touch
Every engagement starts the same way: a free, no-obligation conversation about your position and options, with no paperwork needed. Call Your Mortgage Broker Port Fairy on (03) 9122 8521, or send questions through first if you would rather read than talk.