Why choose a
Yard home loan?

  • Simple, online application - complete anytime, from any device
  • Online chat help and local phone support
  • Competitive interest rates and low fees
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The important questions answered:

Are there any application fees?
Yard does not charge application fees. You have to cover the third-party costs for a home valuation if a valuation is required.
How much can I borrow against my home?
You can borrow up to 95% of the property’s value. LMI applies above 80%.
What loan amount does Yard lend?
Yard can lend loan amounts ranging from $150,000 up to $5,000,000.
How long do I have to repay?
You can select a loan term between 2 to 30 years.
Can I make additional repayments?
You can make unlimited additional repayments free of charge against your variable loan and up to $20,000 per year free of charge against your fixed term loan.
Can I redraw?
Yes – unlimited online redraw against available funds is free of charge for variable rate loans.
Can I have an offset account?
Yes, offset accounts are available for variable rate loans, but they have a $120 annual fee.
What is the maximum interest only period?
The maximum interest only period is 5 years.

*Interest rates are correct as at 18/10/2019 and subject to change at any time. The comparison rate is based on a loan amount of $150,000, over a 25-year term. For variable interest only loans, comparison rates are based on an initial 5-year interest only period. For fixed interest only loans, comparison rates are based on an initial interest only period equal in length to the fixed or guaranteed period. During an interest only period, your interest only repayments will not reduce your loan balance. This may mean you pay more interest over the life of the loan.

WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Terms, conditions, fees and charges apply, and your full financial situation would need to be reviewed prior to acceptance of any Yard offer or product.

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Yard is your partner for property ownership.

We consider your time, your circumstances and your wallet.

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