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Toni Mladenova
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Toni Mladenova

CEO

Toni Mladenova is a co-founder and the CEO of Yard. Toni is an expert in specialist mortgage solutions. She has worked with banks and financial services firms across Australia, Europe and North America advising executives on mortgage strategy and operations. Toni holds a graduate degree from Oxford University and enjoys writing on various property and lending topics.

Latest Posts

Mortgages

Your Guide to Low Doc Home Loans

Low Doc home loans offer flexible income verification for the self-employed

Toni Mladenova
Oct 11, 2024
Investment Property

Buying property with an SMSF loan

Interested in purchasing property through a self-managed super fund? Read our guide to SMSF loans

Toni Mladenova
Mar 29, 2023
Mortgages

Guide to home loans when you’re over 50

Tips for older borrowers who are looking at getting approved for a home loan

Toni Mladenova
Jan 21, 2023
Mortgages

How does an offset account work? Q&A explainer

Interested in an offset account but not sure how they work? Read our Q&A explainer for answers

Toni Mladenova
Jun 23, 2022
Mortgages

What are the different types of home loans?

An overview of the different types of home loans available in Australia, including their features

Toni Mladenova
May 5, 2022
Mortgages

Everything you need to know about amortisation schedules and loan amortisation

Read our Q&A explainer to understand how amortisation works, so you know what to expect

Toni Mladenova
Sep 14, 2021
Home Buying

Home buying checklist: what to look for when buying a house

Understand the home buying process so you know what to expect and can make an informed decision

Toni Mladenova
Aug 20, 2021
Mortgages

Bank versus non-bank lender loans: Which one is right for you

Non-bank lenders have disrupted the Australian mortgage market. Here’s what you need to know.

Toni Mladenova
Aug 11, 2021
Mortgages

How Yard’s 2021 Mozo Experts Choice Award-winning home loan could save you more on your mortgage

Read about Yard's variable home loan award in the Mozo Expert Choice Awards.

Toni Mladenova
Aug 3, 2021
Home Buying

Bridging loans: Yard Guide to bridging finance, and how they work

Need finance to cover the gap between selling & buying a property? Read our bridging loan guide

Toni Mladenova
Jul 22, 2021
Loan Rates

How do low-interest loans work?

Low-interest loans in Australia: what are they and how to find them

Toni Mladenova
Jul 16, 2021
Loan Rates

What is a comparison rate and why should you care?

Home loans come with an interest rate and a comparison rate, but what is a comparison rate?

Toni Mladenova
Jul 8, 2021
Loan Rates

Fixed or variable home loan, what’s the difference?

Understand the difference between fixed or variable home loan.

Toni Mladenova
Jun 2, 2021
Mortgages

Yard Guide: Is a low deposit home loan right for you?

Read our plain English guide to low deposit loans where we cover the pros and cons.

Toni Mladenova
May 21, 2021
Investment Property

What is negative gearing and how does it work?

Not quite sure what negative gearing is? Read our Q&A for answers to the most common questions.

Toni Mladenova
May 11, 2021
Refinancing

How to consolidate your debt into a home loan, reduce your outgoings and save

Debt consolidation is the process of combining a number of different loans into a single debt.

Toni Mladenova
Feb 3, 2021
Refinancing

Home renovation loan: which is the best way to finance my reno?

Thinking of renovating but not sure how to finance your project? Check out our home renovation guide

Toni Mladenova
Feb 3, 2021
Home Buying

How do house auctions work?

Get the lowdown on the auction process, what happens on the day, and after.

Toni Mladenova
Dec 27, 2020
Mortgages

Lenders mortgage insurance explained for home buyers

To get into the property market sooner, you may consider LMI instead of waiting for the 20% deposit.

Toni Mladenova
Dec 20, 2020
Refinancing

The what, why and how of refinancing home loans

Our guide covers the most essential information you need for refinancing home loans.

Toni Mladenova
Dec 19, 2020
Mortgages

Mortgage repayments in Australia, all you need to know

Get informed on what mortgage repayments mean for your financial future

Toni Mladenova
Dec 10, 2020

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*Variable & comparison rate for owner-occupier Principal & Interest loans based on a loan amount of $150,000, over a 25-year term. WARNING: The 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. T&C's, fees and charges apply, and your full financial situation would need to be reviewed based on Yard’s credit lending criteria.
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