About us
About Your Mortgage Broker Beaconsfield
Your Mortgage Broker Beaconsfield is a mortgage broking business serving Beaconsfield and the wider Mackay Region. This page explains who we are, how we are licensed, how we get paid and what you can expect when you deal with us.
Why We Started a Broking Business in Beaconsfield
Beaconsfield is full of households paying off homes, thirty-eight per cent of local dwellings in fact, and too many were handed one lender's single answer because nobody showed them the alternatives. We started this business to change that conversation.
Who You Actually Deal With
A new brand earns trust through verifiable facts, not adjectives, so this section names the person, the credentials and the working arrangement. The three points below describe exactly who handles your file and how the relationship runs:
The Broker on File
Your file sits with one named broker, Your Mortgage Broker Beaconsfield, who personally handles your lending from the first call through to settlement, and who personally specialises in home, investment and self-employed lending for local households and businesses across the Mackay Region.
Local Files, Local Knowledge
Beaconsfield households carry a median mortgage repayment near $1,733 a month, and most live in separate houses with growing family budgets, so the files we prepare here are everyday purchases, refinances, construction loans and self-employed applications shaped by local incomes.
One Person, Start to Finish
When you call, you speak with that same broker every time, not a call centre queue or an offshore processor, and decisions about structure, lender and timing are made by the person who actually knows your file from first conversation.
How We Get Paid, in Plain English
The question behind this section is usually one of two: is it worth using a broker, and what is the catch? Both deserve straight answers, so here is the entire arrangement with nothing held back.
Upfront commission
Trail commission
Who pays it
When you would pay
Now the conflict, named plainly: commission amounts vary slightly between lenders, so one panel member could pay us a little more than another. We handle that by putting the reasoning behind every recommendation in writing, including the commission attached, before you sign anything. The honest answer to whether it is worth it also includes one trade-off: any panel, however wide, is still not every lender in the market. What it gives you is many policy books compared against your circumstances instead of one, with a named person accountable for the comparison.
Our Licence and Accreditations
You should not take a licence claim on faith, and you do not have to. Every number below can be checked against the public registers in a couple of minutes, and we would rather you did:
Australian Credit Licence
Your Mortgage Broker Beaconsfield operates as a credit representative under [LICENSEE NAME], which holds Australian Credit Licence 389328 issued by ASIC, and that licence authorises the arrangement of home loans and related credit assistance for borrowers under National Consumer Credit Protection Act.
Credit Representative Status
The credit representative number covering this business is 370592, recorded on the public ASIC registers, so you can verify our authorisation yourself before handing over a document, which is exactly the check we would encourage any borrower to run.
Accountability You Can Check
At Your Mortgage Broker Beaconsfield, the same accountable broker handles your file from the first call through to settlement, with fees disclosed in writing and our process published openly. See 370592 and Australian Credit Licence 389328 published in the footer.
AFCA Membership
Membership of the Australian Financial Complaints Authority means an independent dispute resolution service is available if a complaint cannot be resolved with us directly, and our member details appear in the Credit Guide you receive before any credit assistance begins.
How We Work With You
From the first call to the post-settlement review, one broker runs your file through a published process with real timelines at every stage. Here is what that working relationship looks like once you pick up the phone:
Where we work
Areas We Service
From our Beaconsfield base we work across the northern Mackay suburbs, including Rural View, Blacks Beach, Andergrove, North Mackay, Mount Pleasant and Richmond, as well as the wider Mackay Region.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Beaconsfield?
Your Mortgage Broker Beaconsfield is a representative of Zanda Wealth Mortgage Brokers, operated by credit representative Your Mortgage Broker Beaconsfield under the Australian Credit Licence of [LICENSEE NAME]. It is a locally focused broking business, not a lender, bank or franchise call centre.
Are you licensed to arrange home loans?
Yes. We operate as a credit representative under [LICENSEE NAME], holder of Australian Credit Licence 389328, with our own credit representative number 370592, and those details are verifiable on the public ASIC registers at any time.
How do you get paid if I don't pay a fee?
Most files cost you nothing, because the lender pays an upfront commission on settlement and trail commission while the loan runs, neither coming from your pocket or changing your rate. A fee applies only to complex non-standard files, disclosed upfront.
Do you get paid more for recommending certain lenders?
Honestly, commission amounts vary between lenders, which is a genuine conflict we name rather than deny. Our answer is to put the reasoning behind every recommendation in writing, including commission, so you can see exactly why a lender was suggested.
What happens if I have a complaint?
Start with us and we will work to fix the problem. If it stays unresolved you can take it to the Australian Financial Complaints Authority, an independent and free dispute resolution service, as members we cannot refuse to participate.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, regional banks and non-bank lenders. The exact count comes from our licensee and is stated in our Credit Guide, and the current list is available on request.
Mortgage broker for Beaconsfield and the suburbs around it
Get in Touch
Call (07) 3523 7109 to talk through your Beaconsfield goals with the broker who will actually run your file, or ask for the Credit Guide and commission disclosure first. Either starting point is free, and neither obliges you to anything.