Yellow Brick Road offers a full suite of financial solutions, including competitive home loans.
You can find everything you need to know about Yellow Brick Road home loans on this page.
Skip ahead to the full table of products or read more about Yellow Brick Road home loans below.
Yellow Brick Road’s lowest rates for…
- Home buyers. The Yellow Brick Road Rate Smasher Home Loan has a 3.7% p.a. interest rate and lets you borrow up to 70%.
- Investors. The Yellow Brick Road Empower Home Loan - LVR < 70% (Above $150,000 Owner Occupier P&I) has a 3.81% p.a. interest rate and lets you borrow up to 70%.
Compare Yellow Brick Road home loans
Here are rates for three different Yellow Brick Road mortgage products. Hit the "Load more" button to see a bigger selection and hit "Enquire now" to start your application process.
While Yellow Brick Road offers their own range of home loan products, their expert brokers can help you compare and apply for home loans offered by a panel of other lenders. The broker receives a commission from the lender if you get a home loan through them, but it won't cost you extra.
Yellow Brick Road lender profile
- YBR is a wealth management company, this means they offer a wide range of financial services including financial advice, superannuation, insurance etc.
- The company is listed on the Australian Stock Exchange and is made up of a number of financial services and wealth management divisions led by the chairman Mark Bouris.
YBR mortgage features
Yellow Brick Road has home loans for fixed and variable rates investors and owner occupiers, plus self-managed super fund mortgages.
| Feature | Details |
|---|---|
| Deposit size | You can borrow up to 95% with some Yellow Brick Road mortgages, but the lowest rates require a 30% deposit. |
| Interest only | Yellow Brick Road's Empower Package loans has interest-only rates. |
| SMSF loans | YBR is one of the few lenders still offering self managed super fund loans in the form of Yellow Brick Road SMSF Loan. |
| Broking services | As a mortgage broker, Yellow Brick Road can also help you compare loans from across the market. |
How do I apply for a Yellow Brick Road mortgage?
You can learn more about a specific Yellow Brick Road mortgage by clicking through to that product's review page. Click "Enquire Now" on the Yellow Brick Road comparison table and enter your details to get in touch with a lending specialist from Yellow Brick Road.
Eligibility
Each Yellow Brick Road product have specific eligibility criteria but some will apply to all products. For example:
- Age. You must be over 18 years of age.
- Residency. You should be a resident of Australia.
- Employment. You should have a regular source of income.
Documents required
When you apply for a mortgage with Yellow Brick Road you are required to provide certain information so make sure you have all your documents ready before you apply. The documents you will be expected to provide are:
- Identification documents. You will need identification such as a driver's license, passport or birth certificate.
- Proof of income documents. Recent payslips can establish your income.
- Asset and liability documents. You need to provide documents showing your current assets (savings accounts, investments) and liabilities (your outstanding debt).
Detailed guide to home loan applications and paperwork
Looking for more mortgage options?
- Big Four banks. Check out home loan rates from Australia's Big Four banks.
- Online lenders. Compare more mortgages from online lenders.
- Non-bank lenders. Compare loans from non-bank lenders.
- Mortgage brokers. Find out how to get free, expert guidance from a mortgage broker.
I am looking to purchase a home. I receive $26000 wage, $26000 benefits, and $20000 child maintenance. I have $80000 deposit. I have 3 children under 12. I pay $2100 monthly in rent but so far the few lenders I have spoken to won’t allow child maintenance to be considered as an income and state my serviceability isn’t sufficient.
Are you able to help? Looking to borrow between $420000-$450000.
Hi Vicki,
Thanks for getting in touch with Finder. I’m sorry to hear about your situation.
Regarding your question, perhaps, you need to find out first if you qualify for the necessary funds. Sometimes, lenders reject applications because you are applying for a bigger amount of money. You can use a home loan pre-approval calculator to help you know how much you can really borrow.
Next, you may want to read this guide, “The simple guide to lending criteria for home loans.” On this guide, you will know the approval policies banks have in place to determine if you qualify.
After knowing more about how you can apply for a loan, please check your options here. On that page, you will see a table that allows you to conveniently compare home loans based on interest rate, application fee, and monthly payment, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.
Finally, you can also speak to a mortgage broker. They usually have the experience and knowledge to discuss with you your available options.
Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
I’ve a loan approved at the cwb, for $650000. as im looking for some property, I just read a article saying if u switch loans for .5% you could save $125. a month. Do I go with the bank I’ve always been with and they know me and happy to lend me money easy, or go with lower interest rate but they don’t know me. who can I go to to get me the best deal.
Hi Brenda,
Thanks for your question.
This decision is entirely up to you. If you feel as though your current bank is willing to give you the best deal (in comparison to the rest of the market) then you may want to stay with them. However, if another lender is willing to give you a better offer then you may want to consider switching.
Our refinancing home loans guide can help you calculate your savings versus the costs of refinancing to determine whether it will make financial sense for you to do so.
Cheers,
Shirley
Just interested if my income could service a loan. Also the amount I would be able to borrow.?
Hi Kerrie,
Thanks for your comment
Please use our borrowing power calculator to give you an indication.
Cheers,
Shirley