Get the Finder app 🥳

Track your credit score

Free

We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!

Expert review

Richard Whitten

Review by


Richard Whitten is a senior writer at Finder covering home loans and property. He helps everyone understand the ins and outs of mortgages so they can make smarter property decisions. He has written for Yahoo Finance, Money Magazine, Homely, and for multiple banks and lenders. Richard trained as a high school teacher but found it easier to manage personal finances than a classroom full of kids. Before joining Finder, he edited textbooks and taught English in South Korea. Richard has a Bachelor of Education, a Graduate Certificate in Communication and is currently studying a Certificate IV in Finance and Mortgage Broking.

Expert review

This loan has variable rates for principal and interest and interest only home loans. The loan has a maximum insured LVR of 90%, though you will need to pay lenders mortgage insurance premium if your deposit is under 20%.

About this loan

What are the features and benefits of the Yellow Brick Road Flexi Options Variable Home Loan?

  • Loan amount. You can borrow up to $2,000,000 with this loan.
  • Purpose.This product is for owner-occupiers buying a home to live in or investors buying an investment property.
  • Repayment flexibility. You can repay this loan monthly, weekly or fortnightly. You can also make unlimited extra repayments.
  • Deposit size. You can borrow up to 90% of your property's value.
  • Plenty of options. The loan has a redraw facility, is loan portable and lets you split your rate into fixed and variable portions.

What fees and charges come with this loan?

The Yellow Brick Road Flexi Options Variable Home Loan keeps fees relatively low.

  • Legal fee: $330. This fee covers the lender's legal costs.
  • Service fee: $10. There is an ongoing monthly service fee.
  • Discharge fee: $495. The discharge fee applies when you end the home loan, either by repaying it or refinancing to another lender.
  • Switching fee: $150. You pay the switching fee when changing from one Yellow Brick Road mortgage to another from the same lender.

How to apply

To apply for this product or get more information, click the green "Enquire now" button and follow the application process to speak to a Yellow Brick Road mortgage specialist. They'll talk you through eligibility requirements and help you with the application.

Home Loan Offers

Important Information*
Logo for Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)
Westpac Flexi First Option Home Loan - Basic Variable Rate (Owner Occupier, P&I)

Up to $3,000 refinance cashback. A flexible and competitive variable rate loan. Eligible borrowers refinancing $250,000 or more can get $2,000 cashback per property plus a bonus $1,000 for their first application. Other conditions apply.

Logo for St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)
St.George Basic Home Loan - LVR 60% to 80% (Owner Occupier, P&I)

Up to $4,000 refinance cashback. With this competitive variable rate loan from St.George, refinancers borrowing $250,000+ can get up $4,000 cashback and borrow up to 90% of the property's value. (Terms, conditions & exclusions apply).

Logo for Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I
Athena Liberate Home Loan - 70% to 80% LVR Owner Occupier, P&I

A competitive variable rate mortgage for owner occupiers $0 application and $0 ongoing fees. This interest rate falls over time as you pay off the loan.

Logo for UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate
UBank UHomeLoan Variable Rate - Discount Offer for Owner Occupiers, Variable P&I Rate

Take advantage of a low-fee mortgage with a special interest rate of just 2.34% p.a. and a 2.34% p.a. comparison rate.

Ask an expert

To ask a question simply log in via your email or create an account.

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.
Go to site