About us
About Your Mortgage Broker Caddens
Your Mortgage Broker Caddens is a mortgage broking business serving Caddens and the surrounding Penrith suburbs, built around a named broker, a published fee structure and a process you can check before you commit to anything.
Why We Started a Broking Business in Caddens
Borrowers here were doing the bank branch round: one offer, one policy, one answer, and no way to tell whether any of it suited their situation. A suburb where roughly sixty per cent of dwellings are still being paid off deserves better information than a single counter can give.
Who You Actually Deal With
The trust substitute for a new brand is a real person, so here is who fronts this business, in full.
The broker on record
Your loan file is handled personally by Your Mortgage Broker Caddens, the same broker from your first call to settlement. We operate as a credit representative, with credit representative number 370592 and Australian Credit Licence 389328 published in the footer.
Local file experience
Your Mortgage Broker Caddens deals weekly with the situations Caddens produces, from first homes in the newer estates to guarantor structures using equity in a family property and self-employed files where income must be documented carefully before a lender will accept it.
No handoff, ever
From the first phone call through to settlement and the review afterwards, the person answering your questions is the same person who assembled the file, so nothing gets lost in a handoff to a distant call centre or message queue.
How We Get Paid, in Plain English
Most borrowers never pay us anything, and the reason matters before you take advice from anyone in this industry. The money works like this:
Upfront commission
Trail commission
Fee on complex files only
Now the part most of the industry will not say out loud. Commission amounts differ a little between lenders, which creates a genuine conflict of interest, and pretending otherwise would insult your intelligence. Our answer is not denial, it is documentation: every recommendation comes with the reasoning in writing, including the options considered and why the shortlist suits your position. You are entitled to challenge any of it.
So is a broker worth using at all? You gain access to a panel of lenders rather than one institution's products, and someone whose job is fitting policy to your file. What you give up is that any panel, however wide, is still not every lender in the market, and a direct lender will occasionally suit a very simple file just as well. We will tell you when that is the case, because a recommendation you cannot interrogate is not worth making.
Our Licence and Accreditations
Every number below can be verified independently, and none of it depends on taking our word for anything.
The credit licence
[LICENSEE NAME] holds Australian Credit Licence 389328, issued by the corporate regulator, which authorises the credit activities behind every recommendation on this site, and you can check the licence number yourself on the public registers at any later time.
Credit representative status
Your Mortgage Broker Caddens operates as a credit representative under that licence, recorded against credit representative number 370592, which means the business can arrange home loans while the licensee carries the regulatory obligations, the dispute processes and the supervision of the conduct.
How We Operate
The business is a credit representative with number 370592 acting under Australian Credit Licence 389328, both published in the footer of this site, and follows a documented process covering ethical conduct, communication and fair handling of any dispute.
External dispute resolution
The licensee holds current membership of the Australian Financial Complaints Authority, which gives you access to a free, independent external dispute resolution body if a complaint cannot be resolved with us directly, a right that applies to every client automatically.
How We Work With You
It starts with a conversation about your position, not a sales pitch. We assess your goals, explain which lending structures fit, set out the lenders whose policy matches, and put the reasoning in writing before any application is lodged.
Areas We Service
Your Mortgage Broker Caddens works with borrowers across Caddens and the neighbouring suburbs of Kingswood, Claremont Meadows and Orchard Hills, along with the wider Penrith area. Wherever you sit within that patch, the same broker handles your file from the first call to settlement.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Caddens?
Your Mortgage Broker Caddens is a representative of Zanda Wealth Mortgage Brokers, a credit representative authorised under Australian Credit Licence 389328 held by [LICENSEE NAME]. Your Mortgage Broker Caddens is the person who handles every file personally.
Are you licensed to arrange home loans?
Yes. The business operates under Australian Credit Licence 389328 as credit representative 370592, and the licence details can be verified on the public registers at any time.
How do you get paid if I don't pay a fee?
The lender pays an upfront commission on settlement and a trail commission while your loan runs. Neither comes from your pocket or changes your rate. Any fee on a complex file is disclosed in writing first.
Do you get paid more for recommending certain lenders?
Commission amounts vary slightly between lenders, and that is a real conflict we name rather than deny. The answer is written reasoning: every recommendation comes with the basis for it, in writing, so you can interrogate it.
What happens if I have a complaint?
Raise it with us first and we will work to fix it quickly. If it stays 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 deal with a panel of lenders spanning major banks, regional banks and non-bank lenders. The honest caveat is that no panel covers every lender in the market, and the current list appears in our credit guide.
Mortgage broker for Caddens and the suburbs around it
Get in Touch
Call [TRACKING_PHONE] to talk through your situation with Your Mortgage Broker Caddens directly, or send through a time that suits and we will call you. The first conversation costs nothing and commits you to nothing.