About us
About Your Mortgage Broker Swan View
Your Mortgage Broker Swan View is a disclosed credit assistance business serving Swan View and the Perth hills, run by a named broker under a licensed Australian Credit Licence holder, with every fee, commission number and process step published on this site rather than promised.
Why We Started a Broking Business in Swan View
Households here carry a median mortgage repayment of about $1,650 a month on a median household income of roughly $1,400 a week, yet most owners still start at a single branch and accept its answer. That habit costs people real options, and this business exists to change it.
Who You Actually Deal With
Here is exactly who handles your file, what they hold and how you reach them, because trust in broking starts with a name and a number rather than a brand promise:
The Broker On File
Your Mortgage Broker Swan View is the accountable broker who handles your file personally, from the first phone call through to settlement, is credit representative number 370592 under Connective Credit Services Pty Ltd, which means a named, identifiable person advises you and answers your questions.
Local Files We Know
Files from this corridor tend to share a shape: hills blocks, mixed income from trades and small business, and households juggling a median mortgage repayment of about $1,650 a month, so the lender shortlists are built on local pattern recognition.
No Handoffs, Ever
Call and you reach the broker who runs your file, not an intake team, and the same person who assesses your situation at the first conversation lodges the application, negotiates with the lender and answers the phone at settlement week.
How We Get Paid, in Plain English
Most people never ask this question until it is too late to ask it well, so here is the whole arrangement, stated before you owe us anything:
Upfront commission
Trail commission
What it costs you
When a fee applies
Now the part most brokers leave out. Commission sizes vary a little between lenders, so we technically earn slightly more from some recommendations than others. That is a genuine conflict and denying it would insult your intelligence. Our answer is written reasoning: every recommendation explains which lenders were considered and why the one put forward fits your situation best. You keep that record.
So is it worth using a broker? Any panel, however wide, is still not every lender in the market, and a bank branch is one shelf while a panel is many. If your situation fits one lender perfectly, that lender direct may serve you fine. If it does not, broking earns its keep. First home buyer loans are a common example where policy differences between lenders decide the outcome.
Our Licence and Accreditations
Numbers, not adjectives. Every credential behind this business is stated below and checkable on public registers:
The Credit Licence
Connective Credit Services Pty Ltd holds Australian Credit Licence 389328, issued by the Australian Securities and Investments Commission, which authorises the credit activities this business arranges, and that licence number is checkable on the public ASIC registers in well under a minute.
Credit Representative Status
Your Mortgage Broker Swan View operates as credit representative number 370592 under that licence, which means the licensee supervises the advice given here, carries the ultimate regulatory responsibility for it, and audits the files, so accountability always sits with an established licence holder.
Our Working Standards
Your Mortgage Broker Swan View works to published standards covering disclosure, file quality and training that sit above the minimum the law demands, and the same accountable broker handles your file from the first call through to settlement, with fees disclosed in writing.
AFCA Membership
Complaints that cannot be resolved directly and informally go to the Australian Financial Complaints Authority, an independent external dispute resolution service, and membership of AFCA is a licence condition, so every client holds a free escalation path outside the business.
How We Work With You
One free conversation starts everything, followed by a clear borrowing picture, a short list of lenders who fit, and a documented recommendation. The same applies whether you are refinancing or buying for the first time, and nothing proceeds without your say so.
Where we work
Areas We Service
We work across Swan View and the surrounding hills corridor, including Stratton, Jane Brook, Hovea, Darlington, Greenmount and Bellevue, with each suburb covered in detail on its own page.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Swan View?
It is a representative of Zanda Wealth Mortgage Brokers, a credit representative under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd, and you deal with Your Mortgage Broker Swan View directly, with every licence detail publicly checkable.
Are you licensed to arrange home loans?
Yes. The business operates under Connective Credit Services Pty Ltd, which holds Australian Credit Licence 389328. Arranging credit assistance through an unlicensed operator is unlawful, so this structure, with numbers stated above, is the compliance itself.
How do you get paid if I don't pay a fee?
The successful lender pays us a commission when your loan settles, then a smaller amount each month the loan stays open. Both figures are disclosed in writing before you sign anything, and neither comes out of your pocket.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, which is a genuine conflict we name rather than deny. Our answer is written reasoning: every recommendation comes with an explanation of which lenders were considered and why the chosen one fits.
What happens if I have a complaint?
Raise it with us first and we will respond promptly and in writing. If it is not resolved, you can escalate free of charge to the Australian Financial Complaints Authority, an independent external service.
How many lenders can you actually access?
A panel of lenders set by our licensee, spanning major banks, smaller banks and non-bank lenders. The exact count is published in our Credit Guide, and the panel is reviewed regularly so it reflects today's market.
Mortgage broker for Swan View and the suburbs around it
Get in Touch
Call (08) 6311 4000 to speak with Your Mortgage Broker Swan View directly, or send a note with your situation and preferred time. The first conversation is free, carries no obligation, and usually ends with a clear answer about which way to go.