Self-employed, sole trader or looking for additional flexibility? Yard offers low rate purchase and refinance home loans, with flexible income verification and dedicated expert support.
Whether you are a business owner, sole trader, contractor, freelancer or cannot meet the traditional verification requirements for other reasons, we will take your unique situation into account to help you find a solution.
Alternative income verification options through accountant declaration, BAS or bank statements.
We are self-employed lending specialists - we'll get to know you and your business to find a solution for your situation.
We can help you purchase, refinance, consolidate debts or release equity/get cash out from your property.
We perform individual assessment on each application to consider your specific circumstances on a case-by-case basis.
Flexible solutions to help with your owner-occupied or investment property purchase.
We can help you refinance an existing loan from another lender to obtain a better interest rate, access new loan features or restructure your current mortgage.
We can assist with debt consolidation including personal debt, business loans and ATO debts.
You can release equity from your property to do renovations, purchase another property or for business purposes.
Apply online with our easy online home loan application. A dedicated Loan Consultant will give you a call to discuss your home loan requirements and help find the best solution for you.
We verify your information by receiving some supporting documentation, e.g. accountant letter, BAS or bank statements. We also perform a valuation on your property.
Our credit team reviews your information and makes an assessment on your application.
Our solicitors send you the loan contract via email. When it is time for settlement, our solicitors will work with your solicitor (for a purchase) or current lender (for a refinance) to settle your home loan!
Low Documentation (Low Doc) or Alternative Documentation Loans (Alt Doc) is a way to acquire home loans for people with income and assets, but without the regular ways to prove this.
At Yard, we understand that not everyone who is looking for a home loan will have traditional proof of their ability to afford to repay the loan or may have complex financial structures. As a non-bank lender, our Loan Consultants are able to take your unique circumstances into account when discussing your home loan. So if you're looking for a mortgage but aren't sure whether you can prove that you can repay, get in touch with our friendly team today and we'll talk you through the process and what we need to be able to finance your property. You can view our low doc loan rates and calculate your home loan repayments here.
We can use an accountant declaration, Business Activity Statements (BAS) or transaction bank statements showing your business income and expenses. You can read more about alternative income verification documents here.
Low Doc or Alternate Doc Loans (Alt Doc) is a way to describe home loans for people with income and assets, but without the regular ways to prove this. At Yard, we understand that not everyone who is looking for a home loan will have traditional proof of their ability to afford to repay the loan and may have different financial structures. As a non-bank lender, our Loan Consultants are able to take your unique circumstances into account when discussing your home loan. So if you're looking for a mortgage but aren't sure whether you can prove that you can repay, get in touch with our friendly team today and we'll talk you through the process and what we need to be able to finance your property.
Typically, we expect that you have 2 years of ABN registration. That being said, Yard has solutions for self-employed customers with 6 months ABN registration. Simply start your application online and one of our Loan Consultants will call you back to discuss your options.
All home loan lenders have an obligation to not let you borrow more than you’re financially able to repay. Low doc loans are an alternative way to prove that you have the income required to service the loan, and we will still need to verify your income through the alternative documentation.
We consider your time, your circumstances and your wallet
