About us
About Your Mortgage Broker Dingley Village
Your Mortgage Broker Dingley Village is a mortgage broking service for Dingley Village and the surrounding south-eastern suburbs, built on published fees, a named broker, stated licence numbers and a process you can check at every stage, rather than borrowed reputation.
Why We Started a Broking Business in Dingley Village
Ring four banks about the same situation and you may receive four different answers, none written down. This business started because local borrowers deserved one person whose job was comparing those answers, then showing the working.
Who You Actually Deal With
The person answering your call is the person licensed to arrange your loan, and that matters more than any slogan. Here is who that is and what they bring:
The Broker on File
Your broker on file is Your Mortgage Broker Dingley Village, and the same accountable person handles your file from the first call through to settlement, specialising in home and investment finance for Melbourne's south-eastern bayside suburbs. Fees are always disclosed in writing upfront.
Local Files, Local Rules
Local experience here means files shaped by this suburb: large family homes being renovated, established owners using built-up equity, families trading up within the area, and self-employed applicants running businesses along the Springvale Road corridor who need genuine policy flexibility.
One Person, Start to Finish
Dealing with Your Mortgage Broker Dingley Village means one person from the first strategy call through to settlement and beyond, with no call centre handoff, no file passing between departments, and a direct phone line that reaches the same single individual every time.
How We Get Paid, in Plain English
The question most borrowers never think to ask is how a free service pays its rent, so here is the money, in full:
Upfront commission
Trail commission
Who pays
The exception
Now the uncomfortable part. Commission amounts differ a little between lenders, which means every recommendation carries a financial stake, and pretending otherwise would be insulting to you. Our response is to put the reasoning behind every shortlist in writing, including why the rejected options lost, so you can judge the advice on its merits.
Is it worth it? An honest answer includes the trade-off: a panel, however wide, is still not every lender in the market, so some niche products sit outside our view. Against that, you get comparison across the whole panel, help navigating each lender's policy quirks, and someone accountable through AFCA, usually at no cost to you.
Our Licence and Accreditations
Trust claims are cheap, so here are the numbers you can actually verify, each one checkable on a public register within minutes:
Credit Licence Status
Credit licensing is the foundation of everything here: Your Mortgage Broker Dingley Village operates as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], which means an externally supervised licensee carries ultimate responsibility for the conduct of this entire business.
Representative Number
Representative number 370592 identifies this business on the public registers, and that status obliges Your Mortgage Broker Dingley Village to act under the licensee's supervision, follow its dispute processes, and meet the same responsible-lending obligations that bind any bank branch dealing with borrowers.
External Standards
The standards applying here are set and audited externally rather than self-declared. The same accountable broker handles your file from first call to settlement, fees are disclosed in writing, and the process is published so you can follow each step.
AFCA Membership
Access to the Australian Financial Complaints Authority comes with AFCA membership, which gives you a free, independent external disputes body if something goes wrong and cannot be resolved directly, an entitlement that exists alongside, not instead of, our internal process.
How We Work With You
Working with us starts with a strategy call, moves through a realistic borrowing range and a shortlist with full costs attached, then continues past settlement with a scheduled review, so the relationship does not end when the keys arrive.
Where we work
Areas We Service
We service Dingley Village and the neighbouring suburbs of Clayton South, Springvale, Springvale South, Keysborough, Braeside and Mordialloc, along with the wider City of Kingston. If you live nearby and your suburb is not listed, ask anyway.
Questions answered
Frequently Asked Questions
Who owns and runs Your Mortgage Broker Dingley Village?
Your Mortgage Broker Dingley Village is a representative of Zanda Wealth Mortgage Brokers, operated by Your Mortgage Broker Dingley Village as a credit representative under [LICENSEE NAME]'s Australian Credit Licence 389328. Ownership, licence details and accountability sit on this page rather than behind a brand.
Are you licensed to arrange home loans?
Yes. Your Mortgage Broker Dingley Village operates as a credit representative under Australian Credit Licence 389328, held by [LICENSEE NAME], and the credit representative number is 370592. That licence authorises arranging home loans and other credit assistance under the national NCCP Act.
How do you get paid if I don't pay a fee?
Mostly the lender. It pays an upfront commission on settlement and a trail commission while your loan runs. Neither comes from your pocket or changes your rate, and any fee on a complex file is always stated upfront in writing.
Do you get paid more for recommending certain lenders?
Commission amounts vary a little between lenders, which is a genuine conflict, and we would rather name it than deny it. Our answer is written reasoning with every recommendation, so you can check the loan fits you, not our income.
What happens if I have a complaint?
Start with us, because Your Mortgage Broker Dingley Village must belong to an internal dispute resolution process and respond within set timeframes. If you are unsatisfied, you can escalate free of charge to AFCA, an independent disputes body whose determinations we are bound by.
How many lenders can you actually access?
We work with a panel of lenders spanning major banks, smaller banks, non-bank lenders and mutuals. The exact count comes from our licensee, and we will confirm it on your first call rather than quoting a number we cannot verify.
Mortgage broker for Dingley Village and the suburbs around it
Get in Touch
Call (03) 9122 8522 for a free, no-obligation conversation about buying, refinancing or building locally. You will speak with the broker named above, hear the licence numbers read out if you want them, and receive written reasoning with any recommendation.