About us
About Your Mortgage Broker Yass
Your Mortgage Broker Yass is a locally operated mortgage broking practice serving Yass and the surrounding Yass Valley, arranging home loans, refinancing, construction finance, and lending for self-employed borrowers under a licensed, disclosed structure.
Why We Started a Broking Business in Yass
Getting a home loan in a regional town too often means long phone queues, generic advice, and lenders who do not understand acreage or seasonal income. Your Mortgage Broker Yass exists to fix that with local, accountable broking.
Who You Actually Deal With
Trust in broking has to be earned in the present tense, so this page names the person, states the credentials, and publishes the numbers rather than asking you to take any of it on faith.
The Broker on Your File
Your file is handled by Your Mortgage Broker Yass, your accountable broker from first call through to settlement, so the person you speak with is the person who arranges the loan, working as a credit representative with details published in the footer.
Local Lending Experience
That experience covers Yass situations specifically, from acreage lending past Bango to construction files in town, and with the median repayments near $1,773 monthly against incomes of about $1,739 weekly, local files are always structured with those realities in mind.
No Handoffs, No Call Centres
You deal directly with the broker from strategy call through settlement, with no call centre, no junior handoff, and no repeating your story to a new voice, because the person who knows your file is the one answering the phone.
How We Get Paid, in Plain English
Most borrowers never ask how a "free" service pays its bills, and the silence around that question is exactly why suspicion about brokers keeps ranking on search pages. Here is the whole picture, without the hedging.
Upfront commission
Trail commission
Who pays
The exception
Now the part most brokers skip: commission amounts vary a little between lenders, which is a genuine conflict of interest and pretending otherwise would be dishonest. The way we manage it is by putting the reasoning behind every recommendation in writing, so you can read why a particular lender suited your file and push back on anything.
Is it worth using a broker at all? The honest trade-off is that a panel, however wide, is still not every lender in the market, so a broker suits borrowers whose situations need matching across many policies, while a direct bank application can make sense when one lender clearly fits. For Yass files involving acreage, self-employment, or construction, that matching work is usually where the value sits.
Our Licence and Accreditations
Everything a new broking brand cannot borrow from a trophy shelf, it can publish instead, and the four credentials below are all independently checkable numbers that you are welcome to verify before you share anything with us.
Australian Credit Licence
Your Mortgage Broker Yass operates as a credit representative under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, which means all credit assistance we provide is governed by the National Credit Code and supervised by a licensee with accountability for our conduct.
Credit Representative Status
Our credit representative number is 370592, recorded publicly so you can verify it independently before you share a single financial detail, and we encourage that check because a trustworthy operator should be easy to look up at any time.
How We Work
The same accountable broker handles your file from the first call through to settlement. Our process is published, and fees are disclosed in writing. Our credit representative number 370592 and Australian Credit Licence 389328 appear in the footer.
AFCA Membership
As an AFCA member through our licensee, any dispute you cannot resolve with us directly can go to an independent external body free of charge, a protection that exists regardless of how small the complaint seems or who you are.
How We Work With You
The process runs in four published steps with real timelines attached, starting with a no-cost strategy call, moving through borrowing capacity and lender matching, then lodgement and settlement, and you see each stage before it happens.
Areas We Service
Your Mortgage Broker Yass works with borrowers across Yass and the wider Yass Valley, including Bango, Boambolo, and Bowning, along with surrounding rural localities, and you can read more on our suburb pages for Bango, Boambolo, and Bowning.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Yass?
Your Mortgage Broker Yass is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Yass as an authorised credit representative. Ownership, licence details, and contact information all appear in our Credit Guide, which we provide before any credit assistance begins.
Are you licensed to arrange home loans?
Yes. We operate under Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, as credit representative 370592. That authorisation covers arranging home loans and other credit activities for clients in Yass and across the surrounding district.
How do you get paid if I don't pay a fee?
The lender on your settled loan pays us commission, both upfront and a smaller trail while the loan runs. That money comes from the lender, not from you, and it does not change your interest rate.
Do you get paid more for recommending certain lenders?
Sometimes commission amounts differ slightly between lenders, and that is a real conflict worth naming. We manage it by documenting the reasoning behind every recommendation in writing, so you can see why a lender was suggested and question anything.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If you remain unsatisfied, you can escalate free of charge to the Australian Financial Complaints Authority, of which we are a member.
How many lenders can you actually access?
We work across a panel of lenders under our licensee. We avoid quoting a number because panels change, but the range covers the major banks, regional lenders, and non-bank lenders, and we will walk you through it.
Mortgage broker for Yass and the suburbs around it
Get in Touch
Call Your Mortgage Broker Yass on (02) 9072 0668 to book your free strategy call, or send a question in writing if that suits you better, and you will hear back from the broker who will actually handle your file.