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Lower 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 account 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
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.
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. You can also make an appointment with one of our experts to discuss your requirements via email or phone. 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.
