Your Experts in Australian Home Loans

Expert guidance, tailored support, and access to competitive home loan options, whether you’re buying your first home or refinancing.

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  • Get better mortgage advice

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Home Loans to Match Your Life Stage

From buying your first home to upgrading or helping a loved one get on the property ladder, our Australia mortgage brokers are here to guide you every step of the way.

Why Choose YMB as your Mortgage Broker in Australia

We’re not a bank—we work for you, comparing multiple lenders to find the right fit. At YMB, you’ll get access to over 40+ lenders, flexible loan structures, and advice that puts your long-term goals first.

100% Australia-based

Expert finance brokers

Transparent process

Start to settlement (and beyond)

Tailored loan advice

Not one-size-fits-all

Strong track record

Across first home buyers, investors, and refinancing

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Client Testimonials

— Sarah M. ⭐⭐⭐⭐⭐

“We thought we couldn’t buy yet — but we could.”

— James T. ⭐⭐⭐⭐⭐

“They made it simple and stress-free.”

— Lisa K. ⭐⭐⭐⭐⭐

“I finally felt like someone was in my corner.

— James T. ⭐⭐⭐⭐⭐

“They made it simple and stress-free.”

How We Help You Get Home Loan Ready

Working with YMB means less stress and more clarity. Here’s how it works:

1. Book a Complimentary Call

We learn about your situation and goals.

2. Loan Strategy Session

We compare lenders and map out your options.

3. Application Support

We manage paperwork and liaise with lenders.

4. Settlement & Beyond

We support you post-settlement with proactive service.

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Home Loan Questions? We’ve Got Answers

A mortgage broker acts as your personal finance specialist, comparing loan options across multiple lenders to find the best fit for your situation. We handle everything from initial assessment and application to settlement, negotiating with lenders on your behalf to secure competitive rates and favourable terms. Unlike bank staff, we work for you—not the lender—giving you access to a much wider range of loan options.

YMB takes a strategy-first approach to home loans, looking beyond just rates to consider your long-term financial goals. We combine the personal service of a boutique broker with access to 40+ lenders. Our Australia-based team offers end-to-end support from first call through to settlement and beyond, with proactive reviews to ensure your loan continues to meet your needs as your life changes.

Absolutely. We specialise in helping first home buyers navigate government incentives including the First Home Owner Grant, stamp duty concessions, and the First Home Loan Deposit Scheme. We’ll assess your eligibility, explain the benefits and limitations of each scheme, and structure your loan to maximise these advantages. Many first home buyers don’t realise they’re eligible for these programs—we’ll make sure you don’t miss out.

Our refinancing process starts with a comprehensive review of your current loan and financial goals. We then compare options across our lender panel to identify potential savings or improved features. After presenting your options, we manage the entire application and settlement process, including discharge from your current lender. Most refinances take 4-6 weeks from application to settlement, and we handle all lender communication to make the switch as seamless as possible.

Yes, we have extensive experience helping self-employed borrowers secure home loans. While traditional lenders may require two years of financial statements, we work with specialists who offer alternative verification methods including payslips, bank statement loans and low-documentation options. Whether you’re a sole trader, partnership, company, or trust, we understand the unique income structures of self-employed professionals and can match you with lenders who take a more flexible approach to income assessment.

Your borrowing capacity depends on multiple factors including your income, expenses, existing debts, credit score, and deposit size. As a general guide, lenders typically allow borrowing up to 5-6 times your gross annual income, adjusted for your specific circumstances. Our comprehensive assessment will give you a realistic borrowing range across different lenders, considering factors beyond the standard calculators to maximise your potential while ensuring the loan remains comfortably affordable.

Pre-approval (or conditional approval) is an initial assessment from a lender indicating how much they’re likely to lend you. It’s subject to conditions like property valuation and further verification of your information. Formal approval occurs after you’ve found a property and the lender has completed all verifications, including property valuation. Pre-approval typically lasts 3-6 months and gives you confidence to make offers, while formal approval represents the lender’s final commitment to fund your purchase.

The typical timeline from application to settlement is 4-6 weeks. Pre-approval can be obtained within 2-5 business days with most lenders. Once you’ve found a property, formal approval takes approximately 1-2 weeks, followed by 2-3 weeks for documentation and settlement preparation. Working with YMB can expedite this process as we prepare your application properly the first time, ensuring faster approval and minimizing delays.

Most lenders require a minimum 5% genuine savings deposit, but 20% is ideal to avoid Lenders Mortgage Insurance (LMI). For a $700,000 property, this means between $35,000 and $140,000 plus additional funds for stamp duty and other costs. First home buyers may access schemes requiring as little as 2% for single parents or almost $0 where a guarantor is involved, without LMI, while investors typically need 10-20% (unless you have built up equity in an existing home). We can help structure your deposit to maximise your borrowing potential while minimizing additional costs.
In most cases, our service comes at no direct cost to you. We’re paid a commission by the lender when your loan settles. This arrangement allows us to provide comprehensive support without charging you fees. TThe commission is paid by the lender and is not an additional cost to you. It does not affect your ability to access the same interest rates available to other borrowers. This model allows us to focus on finding you the best loan option rather than charging service fees.
We can assist in investment property finance with a strategic approach that considers tax efficiency, portfolio growth, and risk management. We will work with your accountant or financial adviser to help structure loans to maximise tax deductions, separate lending facilities to maintain flexibility, and access competitive investment loan rates across our extensive lender panel. Whether you’re purchasing your first investment property or expanding your portfolio, we’ll develop a lending strategy aligned with your investment goals.

The information on this website is general in nature and does not constitute personal financial, legal, or tax advice. Please consult a licensed financial adviser, tax professional, or legal adviser before making any financial decisions.

YMB provides credit assistance and lending structuring services only. We do not provide personal financial advice or tax advice.