About us
About Your Mortgage Broker Keilor Downs
Your Mortgage Broker Keilor Downs arranges home loans for buyers and refinancers in Keilor Downs and the surrounding suburbs. This page explains who you deal with, how the practice is paid, and exactly what licence covers the work.
Why We Started a Broking Business in Keilor Downs
This is a suburb where nearly one dwelling in three is still being paid off and the median household earns about $1,558 a week, yet most buyers here were being shown a single lender's product shelf as though it were the whole market. That gap between what borrowers deserved to see and what they were actually shown is the reason the business exists.
Who You Actually Deal With
Trust in this industry comes down to the person handling your file, so the practice puts a named, credentialed broker in front of you rather than a brand with nobody behind it. The three points below set out who that person is:
The Broker on File
Your Mortgage Broker Keilor Downs operates as a credit representative under [LICENSEE NAME], and is the person who assesses your file, structures your loan and speaks with the lender on your behalf, handling your application personally from the first call through to settlement.
Local File Experience
Keilor Downs and the suburbs around it supply the cases that shape the practice, from refinances on established family homes near Keilor Plains station through to self employed applicants running small businesses along the Furlong Road and St Albans corridors.
Direct Access, No Handoff
There is no handoff to a call centre at any point, because the broker from the very first conversation is also the person who lodges your application, chases the assessor, handles the conditions and picks up the phone after settlement.
How We Get Paid, in Plain English
This is the part most brokers bury at the bottom of a page, and it is the first thing sceptical borrowers ask, so it goes here in full: there are two commission types, both paid by the lender, and one circumstance where you might pay a fee.
Upfront commission
Trail commission
No cost on standard loans
Fees on unusual work
Now the uncomfortable part. Commission amounts vary a little between lenders, which means the recommendation and the payment are not perfectly separate, and pretending otherwise would be dishonest. The safeguard is process: every recommendation arrives in writing with the reasoning shown, so the comparison is visible and you can challenge it before anything is lodged.
Is it worth using a broker at all? Often yes, because one lender's decline can be another's approval and a panel covers far more ground than any single bank. The honest limit is that a panel, however wide, is still not every lender in the market.
Our Licence and Accreditations
Numbers beat adjectives in this section, so each accreditation is stated with its identifier rather than described, and every figure below appears in the credit guide you receive before any credit assistance is provided. The four items that matter:
Credit Licence Status
Australian Credit Licence 389328 is held by [LICENSEE NAME], which is the entity legally responsible for the credit activities arranged through this site, and the licence number appears in the credit guide you receive before credit assistance is provided.
Your Broker's Representative Number
Operating as credit representative 370592, Your Mortgage Broker Keilor Downs arranges credit under that licence rather than holding one independently, so the licensee's compliance systems, training, dispute processes and professional supervision all sit behind every single recommendation this practice makes to you.
Accountability You Can Check
The practice operates as a credit representative with number 370592 under Australian Credit Licence 389328, both published in the footer, and those licence conditions apply alongside its own obligations rather than instead of them, on every single file.
AFCA Membership
The practice holds membership of the Australian Financial Complaints Authority, so if you ever disagree with an outcome and cannot resolve it directly, you can take the complaint to an independent external dispute resolution body at no cost to you.
How We Work With You
Six steps, published in advance: a first conversation about your goals, a shortlist built from real lender policies, help assembling documents, lodgement, settlement coordination, and a review after settlement to confirm the structure still fits. Nothing in the sequence is improvised, and Your Mortgage Broker Keilor Downs handles each stage personally.
Where we work
Areas We Service
From Keilor Downs the practice works across Brimbank and nearby suburbs: Taylors Lakes, Keilor, Kealba, St Albans, Delahey and Sydenham, each with its own suburb page carrying local lending detail, while the home page covers the service in full.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Keilor Downs?
Your Mortgage Broker Keilor Downs is a representative of Zanda Wealth Mortgage Brokers, a credit representative of [LICENSEE NAME]. Your Mortgage Broker Keilor Downs fronts the business, handles every client file personally from the first call through to settlement.
Are you licensed to arrange home loans?
Yes, through [LICENSEE NAME], which holds Australian Credit Licence 389328. Your Mortgage Broker Keilor Downs is credit representative 370592, and the credit guide sets out exactly what the licence authorises.
How do you get paid if I don't pay a fee?
On standard residential loans the lender pays an upfront commission at settlement and a smaller trail while the loan runs. Neither payment comes from you, and neither changes what the lender quotes.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, and that is a genuine conflict we do not deny. The answer is a written recommendation that shows the reasoning, so you can see exactly why a lender was chosen.
What happens if I have a complaint?
Raise it with Your Mortgage Broker Keilor Downs first, then with [LICENSEE NAME] if it remains unresolved. Either way you can take the matter to AFCA, an independent dispute resolution service, at no cost.
How many lenders can you actually access?
A panel of lenders spanning major banks, non bank lenders and specialist providers. It changes from time to time, and it is still not the entire market, which is an honest limitation of any broker.
Mortgage broker for Keilor Downs and the suburbs around it
Get in Touch
Every conversation starts free and carries no obligation, and you finish it knowing where you stand and which directions are open. Ring (03) 9122 8521, or send a message through the contact details on the home page and Your Mortgage Broker Keilor Downs will call you back, evenings and weekends included.