Yellow Brick Road: Home

Rate Smasher Home Loan details

Loan amount $100,000 up to $750,000.
Loan term 30 years, shorter loan periods can be requested post settlement.
Maximum 'Loan to Value Ratio' (LVR) 70%
Permitted purposes Purchase or refinance an owner occupied property.
Number of accounts Single account only.
Offset account N/A
Global borrowing limit N/A
Repayment type Principal and Interest only.
Additional payments (variable accounts) Unlimited, without cost.
Option to fix Available only via switch to Empower Range.
Rate lock N/A
Additional payments (fixed accounts) N/A
Construction option Available only via switch to Empower Home Loan or Package.
Family guarantee option Not available.
Loan Access

• Online and mobile banking.        
• Redraw available (variable accounts only), fee free via electronic banking. Manual redraw not available.                
• Loan payments can be made via Direct Debit, Salary Credit only. 
• Pay Anyone, periodic payments are available via Internet banking.


Rates vary according to loan purpose, LVR and repayment type as summarised below.

Variable rates (LVR) Borrower rate Comparison rate ^
< 70.00% 3.70% p.a. 3.70% p.a. ^


Application fee Nil
Documentation fee $330 Plus GST
Valuation fee Nil (single property, terms and conditions apply)
Account management fee Nil
Mortgage discharge fee $400
Construction administration fee N/A

Other fees are payable, full details covered in mortgage documentation.

Other terms and conditions

^ This comparison rates are based on loan of $150,000 over the term of 25 years. Rates are correct as at  11/02/19 and are subject to change.  Comparison rates are based on the variable rate home loans comparable by major banks. Rates are correct as at 11/02/19 for YBR and may be subject to change. Effective dates are 27/09/18 for ANZ, 23/10/18 for Commonwealth Bank, 31/01/19 for NAB and 19/09/18 for Westpac. 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.

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

All lending rates quoted on this website are for new owner-occupied applications only (unless otherwise stated). Existing customers should always refer to their loan contract or internet banking / customer service for their current rates, terms and conditions.

The above rates are subject to change. Fees and charges are payable. Terms and conditions are available from your local branch.

Yellow Brick Road Finance Pty Limited ACN 128 708 109, Australian Credit Licence 393195. Yellow Brick Road Wealth Management Pty Limited ACN 128 650 037, AFSL 323825.