Purchasing a home is the largest financial commitment most Australians will make in their lifetime, which is why selecting the right home loan is crucial.

When borrowing to buy property you should look for a home loan that is competitively priced, is flexible enough to be tailored to your lifestyle and can align with your other financial goals and commitments. At Yellow Brick Road, we'll work with you to find a loan that matches your needs.

Wherever home loan rates are quoted on this website, we are quoting rates based on the loan being used for Owner-occupied purposes. Higher rates are payable if borrowing for Investment purposes, rates for investors can be found in the Comparison Rate Schedule.

Why choose Yellow Brick Road?

Rate Smasher Home Loan

Home Loan
Ideal for: Refinancers or purchasers
A basic home loan with a highly competitive variable rate, ideal for those who have a large deposit or equity.
Interest rates from
3.68% p.a. borrower rate
3.68% p.a.* comparison rate

Empower Home Loan

Home Loan
Ideal for: Refinancers and investors
The Yellow Brick Road Empower Home Loan is suitable for those looking for a loan solution without the associated fees, but with many of the features you may not expect from a basic loan facility. It offers a true value solution to home owners and property investors alike.
Interest rates from
3.86% p.a. borrower rate
3.86% p.a.* comparison rate

Empower Package

Home Loan
Ideal for: Refinancers and investors
The Yellow Brick Road Empower Package is designed for home owners and investors who want the added flexibility and benefits provided by a 100% offset account. With competitive variable and fixed rate options, along with a low annual account fee, this loan offers great flexibility and value.
Interest rates from
3.93% p.a. borrower rate
3.93% p.a.* comparison rate

Empower Line of Credit

Home Loan
Ideal for: More experienced borrowers
The Yellow Brick Road Empower Line of Credit is designed to provide a very high level of flexibility and access to equity in your property. It is suitable for borrowers looking for the flexibility to manage their home loan and investments through a single solution.
Interest rates from
4.32% p.a. borrower rate
N/A% p.a.* comparison rate

Self Managed Super

Home Loan
Ideal for: Those who wish to invest in residential property via an SMSF
The Yellow Brick Road Self Managed Super Fund (SMSF) Property Loan is designed for customers who wish to invest in residential property via an SMSF. This loan has been developed in line with current SMSF laws and regulations, however we require applicants to seek independent financial and legal advice before committing to an SMSF purchase. Please note SMSF loans are not available for owner-occupied use.
Interest rates from
5.57% p.a. borrower rate
5.60% p.a.* comparison rate

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Terms and conditions:

* Comparison rate is based on Rate Smasher standard variable rate for $150,000 loan over a term of 25 years. Comparison rates are based on the variable rate home loans comparable by major banks. Rates are correct as at 01/12/16 for YBR and may be subject to change. Effective dates are 12/08/16 for ANZ, 26/08/16 for Commonwealth Bank, 19/08/16 for NAB and 14/11/16 for Westpac. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Owner-occupied purpose only, purchase or refinance only, no debt consolidation. PAYG applications minimum employment term 12 months. Self-employed minimum 2 years. Rate Smasher loan amounts from $100,000 - $750, 000, maximum loan-to-value ratio of 70%, additional credit criteria apply. Not available in conjunction with any other offer.

For fixed rate and comparison rate quoted please refer to the Comparison Rate Schedule.