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Low interest rates
Market leading Principal & Interest and Interest Only rates for owner-occupiers and investors.
You can make free, unlimited additional repayments on our variable home loan. This means that you can pay off your loan faster than the agreed term and save on interest.
If you’ve made extra repayments onto your variable rate Yard Home Loan, you can redraw these for free through our online portal.
Having an offset facility linked to your Yard Home Loan allows your savings to lower the amount of interest you pay on your home loan. You can add up to 10 offset accounts per loan account.
We can help you purchase when you don’t have a 20% deposit. The Yard Home Loan can have an LVR of up to 95%, but Lenders Mortgage Insurance (LMI) is needed if your LVR is greater than 80%.
Own your property sooner with our low rate,
fully-featured home loans
Market leading Principal & Interest and Interest Only rates for owner-occupiers and investors.
Our loans have all the bells and whistles - online access with redraw, early repayment and offset functionality.
At Yard you get your own personal consultant who works with you throughout your home buying or refinancing journey.
The Yard Home Loan is simple. We’ve built a product that’s fully featured and we give you the control to personalise its design.
The Yard Home Loan is most suitable for:
• Purchasing a new home or investment property
• Refinancing to save money
• Taking cash out for a personal or investment use (e.g. renovate, have a holiday)
• Consolidating debts to a cheaper rate into your home loan
• Releasing equity
We can accept the following property types:
• Houses, apartments and town houses
• Rural residential and hobby farms
• Off-the-plan purchases
For enquiries about other property types, please speak with a Yard Loan Consultant.
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. Applicants who have recently become self-employed and have traded under an ABN for at least 6 months can be considered under our specialist self-employed home loans. For more information, read our guide on how to qualify for a home loan if you are self-employed.
Yes, Yard provides vacant land and construction loans, with funds released in progress payments to your builder throughout the build. Learn more in our construction loans guide or talk to one of our experts.
Applying for a Yard Home Loan takes as little as 15 minutes. Simply click apply now and provide some information about your property, your finances and how much you'd like to borrow.
If you'd prefer to speak with someone first, you can book an appointment with one of our specialist Loan Consultants by email or phone. This gives you the opportunity to ask questions and discuss how a Yard home loan could suit your circumstances.
Once you're ready to proceed, you can upload the required documents through our secure portal for assessment. If your application is approved, your dedicated Yard Consultant will guide you through to settlement.
Yard takes a considered approach to every home loan application. We understand that not every borrower's situation fits a standard template, which is why our specialists assess each application on its individual circumstances.
We work with a wide range of borrower profiles, including self-employed applicants, those with non-standard income, complex ownership structures such as companies and trusts, and customers with evolving financial circumstances. Whether you're a salaried employee, a sole trader or a business owner, a Yard Consultant can talk you through the options that may be suitable for you.
To explore your eligibility, you can apply online or speak with a Yard Loan Consultant directly.
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We consider your time, your circumstances and your wallet
