About us
About Your Mortgage Broker Terranora
This page explains who stands behind Your Mortgage Broker Terranora, how the business is licensed, how it earns its income and what working with us actually looks like from the first phone call through to the review after settlement.
Why We Started a Broking Business in Terranora
Too many Tweed borrowers were being handed a login, a queue and a different voice every call, so Your Mortgage Broker Terranora was started to give this region one accountable broker instead of another branch counter.
Who You Actually Deal With
Trust starts with knowing exactly who is on the other end of the phone, so here is who that is and what they bring to every file:
The Broker on File
The broker on file is Your Mortgage Broker Terranora, who specialises in home purchases, refinancing and self-employed lending for households across the Tweed and the Northern Rivers. Your file stays with the same accountable broker from the first call through to settlement.
Local Lending Experience
Every Terranora file gets worked with the local market in mind, from the census figures that frame household incomes here to the policy quirks each lender applies, so the recommendation reflects what actually settles on this side of the border.
One Person, Start to Finish
You deal with Your Mortgage Broker Terranora directly from the first phone call through to settlement and the annual review afterwards, with no handoff to a processing team, no call centre queue and one accountable person answering your questions the whole way.
How We Get Paid, in Plain English
Nobody else ranking for this topic explains the money, so we will. It is a fair question and it deserves a straight answer, because the honest version builds more confidence than vague assurances ever could:
Upfront commission
Trail commission
Fees to you
Written disclosure
Now the part most brokers skip. Commission amounts vary a little between lenders, and pretending otherwise would be dishonest. That is a genuine conflict of interest, and we would rather name it than have you discover it in some thread online. We manage it one way: by putting the reasoning behind every recommendation in writing, so you can see exactly why a lender was chosen for your file and test that reasoning yourself.
And the honest answer to whether it is worth using a broker at all: a broad panel means we can compare structures, fees and policy settings that no single bank would ever put in front of you. The trade-off is that any panel, however wide, is still not every lender in the market. If your situation points somewhere our panel does not reach, we will tell you that too.
Our Licence and Accreditations
The credentials below are checkable, and we would rather you verified them than took our word for any of it:
Credit Licence Status
Your Mortgage Broker Terranora operates as a credit representative under Connective Credit Services Pty Ltd, which holds Australian Credit Licence 389328, so every credit activity we perform, from assessment through to settlement, runs under that licence and all its obligations under the National Credit Code.
Credit Representative Status
Our credit representative number, 370592, appears on every document we issue, which means the licensee carries formal responsibility for our conduct, including the training, supervision and compliance monitoring that stand behind each recommendation you receive on your lending journey.
Accountability You Can Check
You deal with one accountable broker from your first call through to settlement, and we work under our credit representative number 370592 and Australian Credit Licence 389328, published in the footer, with fees always disclosed clearly in writing.
External Dispute Resolution
Complaints we cannot resolve go to the Australian Financial Complaints Authority, an independent external dispute resolution service, and our membership details appear in the Credit Guide you receive at the start, so the escalation path is never left a mystery.
How We Work With You
From the first strategy call to the annual review after settlement, every file runs the same five stages, and you always know which stage you are in, what happens next and who is accountable for moving it.
Where we work
Areas We Service
From our Terranora base we work with borrowers across the southern Tweed, including Chinderah, Banora Point, Bilambil Heights, Tweed Heads South, Tweed Heads West and the surrounding localities across the wider Tweed Shire.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Terranora?
Your Mortgage Broker Terranora is a representative of Zanda Wealth Mortgage Brokers, a credit representative operating under Connective Credit Services Pty Ltd. The broker you deal with is Your Mortgage Broker Terranora, and the licence details on this page let you verify all of it independently.
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, which authorises us to provide credit assistance and arrange loans under the National Credit Code.
How do you get paid if I don't pay a fee?
The lender pays us an upfront commission when your loan settles and a smaller trail commission while it runs. Neither comes out of your pocket, and neither changes the rate or repayments you are offered.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, and that is a genuine conflict worth naming. We manage it by putting the reasoning behind every recommendation in writing, so you can see exactly why a lender was chosen.
What happens if I have a complaint?
Raise it with us first and we will respond promptly. If it stays unresolved, you can take it to the Australian Financial Complaints Authority, an independent service we are a member of, at no cost to you.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, non-bank lenders and specialist providers. The exact makeup changes as products move, and we recommend whichever lender genuinely fits your file rather than one we know best.
Mortgage broker for Terranora and the suburbs around it
Get in Touch
Call (02) 9072 0668 to talk through your plans with Your Mortgage Broker Terranora, or start with the first home buyer, refinancing or investment property pages on this site. The first conversation is free, and it commits you to nothing.