About us
About Your Mortgage Broker Fletcher
Your Mortgage Broker Fletcher is a mortgage broking practice serving Fletcher and Newcastle's western suburbs, built on a simple promise: you can verify everything about us, from our licence number to our commission structure, before you commit to anything at all.
Why We Started a Broking Business in Fletcher
Fletcher households are paying off new homes, with a median household mortgage repayment around $2,217 a month, and too many were sold whatever their own bank offered rather than what suited them. That gap is why this business exists.
Who You Actually Deal With
Trust in broking starts with knowing exactly who is responsible for your file, so here is the person whose name sits on the licence paperwork, along with the credentials and working arrangements that come with it:
The Broker on File
Your file is handled by Your Mortgage Broker Fletcher, whose credit representative number 370592 and Australian Credit Licence 389328 appear in the footer. The same accountable broker manages your home lending file across Newcastle from the first call to settlement.
Local Case Experience
Local lending experience counts here, because Fletcher households are mostly young families paying off recent brick-veneer homes, with a median household mortgage repayment of about $2,217 a month, and files like those have particular policy patterns a practised broker knows.
Direct Access, No Handoff
When you call Your Mortgage Broker Fletcher, you speak with the person making the recommendations, and that arrangement never changes once your application is lodged, because there is no call centre, no handoff to outsourced processors and nobody else deciding your lending strategy.
How We Get Paid, in Plain English
Most people are never told how a broker is paid, yet it shapes the whole relationship. Here it is, without hedging:
Upfront commission
Trail commission
Fees charged to you
Now the conflict worth naming: commission varies a little between lenders, so the lender we recommend sometimes pays slightly more. We handle that by putting the reasoning behind every recommendation in writing, showing which lenders were shortlisted and why.
And the honest trade-off on whether it is worth using a broker: a panel gives real breadth, yet no panel covers every lender in the market. Set against that, a broker stops you lodging blind with a single bank, and the commission-funded model means most borrowers pay nothing for the comparison work.
Our Licence and Accreditations
Here is the part you can verify independently today, because everything below is public, numbered and checkable before you share a single document with us:
The Licence Above Us
Broking in Australia is regulated credit activity under the National Consumer Credit Protection Act, and Your Mortgage Broker Fletcher operates as a credit representative authorised under Australian Credit Licence 389328, held by [LICENSEE NAME], the licensee that supervises each of its representatives.
Our Representative Number
370592 is the credit representative number attached to this business, and it matters because it ties Your Mortgage Broker Fletcher to a named licensee with enforceable obligations, professional conduct requirements and a public record you can check before you share a document.
Accountability You Can Check
Accountability matters in an industry where anyone can call themselves a broker, so Your Mortgage Broker Fletcher works as a credit representative, with the credit representative number 370592 and Australian Credit Licence 389328 published in the footer. Fees are disclosed.
External Dispute Resolution
Disputes in credit are handled by the Australian Financial Complaints Authority, an external ombudsman service, and membership of AFCA is a condition of holding credit authorisation, which means a complaint about our advice has somewhere free and independent to go.
How We Work With You
So that is who stands behind the work and how the money flows. In practice: you explain your situation once, we gather documents, compare the panel, present the shortlist with fees and policy fit spelled out, manage the application to approval, then review the loan once settled. One conversation starts it.
Where we work
Areas We Service
From Fletcher we help borrowers across Newcastle's bushland western fringe and along the Minmi Road corridor, including Minmi, Maryland, Wallsend and Black Hill, each with its own housing mix and lending quirks, and a dedicated page for Minmi, Maryland, Wallsend and Black Hill.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Fletcher?
Your Mortgage Broker Fletcher is a representative of Zanda Wealth Mortgage Brokers, a credit representative under [LICENSEE NAME]. Your Mortgage Broker Fletcher handles the day-to-day work, and the licence details are published on this page.
Are you licensed to arrange home loans?
Yes. We operate as credit representative 370592 under Australian Credit Licence 389328, held by [LICENSEE NAME], with AFCA membership providing regulated conduct and independent dispute resolution.
How do you get paid if I don't pay a fee?
The lender whose loan settles pays us commission: an upfront amount on settlement plus trail commission while the loan runs. Both come from the lender, are disclosed in our Credit Guide and do not change your rate.
Do you get paid more for recommending certain lenders?
Commission varies a little between lenders, so yes. That is exactly why the reasoning behind every recommendation goes in writing, including why the shortlisted lenders suit your situation better than the alternatives.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If unresolved, you can take it to the Australian Financial Complaints Authority, a free and independent external dispute resolution service.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks and non-bank lenders. The count matters less than fit, so we shortlist for your situation rather than quoting a headline number.
Mortgage broker for Fletcher and the suburbs around it
Get in Touch
The next step is a conversation, not a commitment: ring Your Mortgage Broker Fletcher on (02) 9072 0647 or send a message, and we will arrange a time that suits your week. You will leave that call knowing your borrowing position, the likely costs and what happens next.