Own your property sooner with our low rate, fully featured home loan

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No application fee
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Unlimited additional repayments
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Unlimited free redraws
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Optional 100% offset can be added for $120 p.a.^
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Application completely online
Arrow Pointing Down
1.99
%
variable p.a
Arrow Pointing Down
2.02
%
comparison p.a^
Owner occupier P&I with LVR ≤70%
Canstar Outstanding Variable Home Lender Award 2021RateCity Award 2021 - Best Home Loan
RateCity Award 2021 - Best Refinance LoanFinder Award 2021 - Low Deposit Home Loan

Talk to an expert to get started

Our Team
Our local team is here to help with any questions

How does it work?

Computer
Click ‘Apply now’
It takes as little as 15 minutes to provide Yard with information about your home, your finances and how much you'd like to borrow.
Yard Customer Service
Talk with us
We'll contact you via email or phone to discuss your application. This is your opportunity to ask us questions and design your loan.
Yard Loan Finalised
Finalise the loan
Once you're comfortable a Yard loan is right for you, simply complete the loan documentation for assessment. If successful, we'll arrange the loan.

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Frequently asked questions

What objective is the Yard Home Loan available for?
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With the Yard Home Loan, you can achieve your goals:
•  Purchase a new home
•  Refinance to save money
•  Take cash out for a personal or investment use (e.g. renovate, have a holiday)
•  Consolidate debts to a cheaper rate into your home loan
•  Release equity

The Yard Home Loan can also allow for ‘Family Guarantee’ or ‘Family Pledge’ loan situations. When a family member becomes a guarantor for a home loan, they are pledging the equity they have in their own home as security for the home buyer.

What type of properties do you accept?
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We can accept the following property types:
•  Houses, apartments and town houses
•  Rural residential and hobby farms
•  Off-the-plan purchases

Do you lend to self-employed applicants?
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Yes, we can lend to applicants who are employed (PAYG) as well as self-employed. For self-employed borrowers, we typically require 2 years of trading history under the same ABN. Professionals (e.g. Doctors, Lawyers, Accountants, IT Professionals) who have recently become self-employed and have traded under an ABN for at least 6 months can be considered.

Does Yard provide Guarantor home loans?
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Yes, Yard provides Guarantor home loans, also known as ‘Family Guarantee’ or ‘Family Pledge’ home loans. A Guarantor home loan allows someone else in your immediate family to guarantee a portion of your loan.  They do this by putting up a property they own as security against the home loan. You can borrow up to 110% of the purchase price of a property with a Guarantor home loan. This means you can borrow the entire purchase price plus other upfront purchase costs like stamp duty and conveyancing. The Guarantor home loan option could help you avoid the cost of Lenders Mortgage Insurance (LMI).

How do I apply for a Yard Home Loan?
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Provide your name, mobile and email in the form above and a Loan Consultant will give you a call on the same day to discuss your requirements. You can also click ‘Apply now’ to complete our online application - it takes as little as 15 minutes to provide Yard with information about your home, your finances and how much you'd like to borrow. We'll contact you via email or phone to discuss your application. This is your opportunity to ask us questions and design your loan. Once you're comfortable a Yard loan is right for you, simply provide the required documents for assessment via our document portal. If successful, we'll arrange the loan.