About us
About Your Mortgage Broker Scoresby
Your Mortgage Broker Scoresby is a mortgage broking service operating in Scoresby and the wider City of Knox, fronted by a named credit representative working under a licensed Australian Credit Licence holder. This page sets out who we are and exactly how the arrangement works.
Why We Started a Broking Business Serving Scoresby
Borrowers in this pocket of Melbourne's east were getting one quote from one branch, then accepting it because the alternative meant hours of phone calls. A local service that reads multiple credit policies side by side and explains the trade-offs plainly was missing.
Who You Actually Deal With
The question most new clients are really asking is simple: who exactly is on the other end of the phone? Here is the direct answer, with details you can verify independently before you share a single financial document:
The Broker on File
Your file sits with Your Mortgage Broker Scoresby from your first call through to settlement. As a credit representative, number 370592, working under Australian Credit Licence 389328, they specialise in matching complex household situations to lenders whose credit policies fit.
Local Case Experience
Local files teach patterns, and Scoresby's mix of established family homes, renovators and self-employed tradespeople means the broker has handled the deposit shortfalls, irregular income documents and equity questions that keep recurring across this corner of the City of Knox.
Direct Access, No Handoff
Every conversation happens directly with that same person, so nothing is handed to a junior team or a call centre, and the individual who assessed your borrowing capacity is the one who answers when you ring again with a question.
How We Get Paid, in Plain English
Here is the part of this industry almost nobody explains honestly: how the money actually moves. The funding model is simpler than most people fear, and it deserves a straight description rather than fine print:
Upfront commission
Trail commission
Your rate is untouched
Fees are the exception
Now the uncomfortable part. Commission amounts do vary a little between lenders, and pretending otherwise would insult your intelligence. That is a genuine conflict, and the way it is managed here is by putting the reasoning behind every recommendation in writing, so you can see precisely why a particular lender was suggested and what would happen to that advice if circumstances changed.
Is it worth using a broker at all? The honest trade-off is this: any panel, however wide, is still not every lender in the market, and a bank branch will only ever show you its own products. A broker's value sits in matching your circumstances to policies you cannot see yourself, and in doing the application work you would otherwise do alone.
Our Licence and Accreditations
Trust should be checkable, not asserted. Every number and registration below can be verified through the public registers run by ASIC, the industry associations and AFCA, and we would encourage you to do exactly that:
Australian Credit Licence Status
Australian credit licensing is set and policed by ASIC, and this business operates lawfully only because it sits underneath a licensee's Australian Credit Licence 389328, held by Connective Credit Services Pty Ltd, whose obligations and monitoring requirements flow down to every representative.
Credit Representative Status
Registration as a credit representative, under representative number 370592, means the individual arranging your loan is formally authorised by the licensee, bound by the same conduct rules, and answerable to both the regulator and ASIC alongside the business itself.
How We Work
The same broker handles your file from the first phone call through to settlement, fees are disclosed in writing before you commit, and each step of the process is published so that you always know what happens next and when.
AFCA Membership
External dispute resolution is mandatory in this industry, and Your Mortgage Broker Scoresby holds current membership of the Australian Financial Complaints Authority, so an independent body can review any complaint free of charge if it cannot be resolved directly with the licensee first.
How We Work With You
From the first strategy call through to a review after settlement, the process is published with realistic timeframes, so nothing about your loan arrives as a surprise. You can read the full sequence, stage by stage, on the home page.
Where we work
Areas We Service
Along with Scoresby itself, Your Mortgage Broker Scoresby works with borrowers in Wantirna South, Knoxfield, Rowville, Wheelers Hill and Glen Waverley, and right across the City of Knox and Melbourne's south-eastern suburbs.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Scoresby?
Your Mortgage Broker Scoresby is a representative of Zanda Wealth Mortgage Brokers, fronted by Your Mortgage Broker Scoresby as an authorised credit representative. Ownership, the licensee and the representative number are all set out in the Credit Guide you receive at first contact.
Are you licensed to arrange home loans?
Yes, under credit representative number 370592, authorised by Connective Credit Services Pty Ltd through Australian Credit Licence 389328. Credit assistance can only lawfully be provided under that arrangement, and the licence details appear on every document you receive.
How do you get paid if I don't pay a fee?
The lender holding your settled loan pays commission: an upfront amount at settlement and a smaller trail amount while the loan runs. Neither comes from your pocket and neither changes the rate the lender offers you.
Do you get paid more for recommending certain lenders?
Commission does vary a little between lenders, and pretending otherwise would be dishonest. That conflict is managed by putting the reasoning behind every recommendation in writing, so you can see exactly why a lender was suggested.
What happens if I have a complaint?
Raise it with Your Mortgage Broker Scoresby first and it will be addressed promptly. If it remains unresolved, you can take it to the Australian Financial Complaints Authority, an independent dispute body whose service is free for you.
How many lenders can you actually access?
The exact panel count comes from the licensee and is confirmed in the Credit Guide. It spans major banks, smaller banks and non-bank lenders, though no panel, however wide, covers every lender in the Australian market.
Mortgage broker for Scoresby and the suburbs around it
Get in Touch
Call Your Mortgage Broker Scoresby on (03) 9122 8521 to book a free, no-obligation conversation about your borrowing plans, or send an enquiry and Your Mortgage Broker Scoresby will respond personally within one business day, with the Credit Guide attached so nothing is hidden from the start.