YBR

Yellow Brick Road Mission Statement

In this article:

Australians are hard-working people who put in the hours to achieve two basic dreams: to own their home and to be able to retire in comfort. To help Australians achieve these two dreams is the mission of Yellow Brick Road

Yet Australians are also living increasingly complicated lives. One career rarely lasts for 40 years, people move for their jobs, there are kids, divorces and new marriages, illnesses and business ventures. Life expectancies keep increasing, meaning many people could be 25 years in retirement, in which time they could remarry, retrain and recreate themselves.

There are no predetermined lives, yet most Australians still want to own their house and have a comfortable retirement.

How do Australians achieve basic goals when their lives are dynamic?

In 2007 I formed Yellow Brick Road as a way of providing the building blocks of a secure future so that basic financial dreams could become reality. I wanted to bring together a range of financial products and services in one organisation, offering an holistic wealth management solution to a variety of customers. From first home to comfortable retirement – and all the important decisions in between – Yellow Brick Road can help you achieve your dreams.

The most important aspect of the Yellow Brick Road story has been the creation of a large national branch system, in the suburbs, towns and cities where people live and work. The aim was to put customers at the centre of the business, so that diverse services and products could be brought together for the customers’ goals, whatever they might be.

Pursuing this business model means we have given customers the opportunity to build strong relationships with advisers they trust: our experienced Wealth Managers.

The Wealth Manager is a unique professional who takes charge of helping customers pursue their dreams, with holistic financial planning advice and expert associates in insurance, mortgages, superannuation, tax, business advisory and managed funds.

The Wealth Manager brings together the required team and expertise, based on where the customer wants to go. This relationship is supported by a range of industry-best financial services products, from mortgages and insurance, to superannuation and cash management accounts.

The Wealth Managers are augmented by a powerful computer platform that gives customers access to global financial information and powerful management systems, should they also want a level of self-management.

Just as I was determined to build a wealth management business around the customer’s dreams, we have also built Yellow Brick Road around our own high-quality people. We have a team of experienced financial services professionals who not only operate at our Sydney head office, but who provide their experience and expertise at the branch offices around Australia.

In my opinion, this is the key to holistic wealth management services: to have one go-to person who understands your circumstances and needs, and helps you pursue your goals with excellent advice, services and products. Wealth Managers live in your neighbourhood, but they can provide the best advice and products in Australia.

In the end, we may all want to own our own home and to have a comfortable retirement, but there are many ways of getting there and I like to think that Yellow Brick Road can help you on your own way.

Life is complex – dreams endure.

Home loan hints and tips

 
Being prepared when getting your home loan 
Applying for a home loan is the first step towards home ownership. It’s an exciting time, but it’s also a complex process, which includes several basic steps.
 
Can I get a mortgage if I'm not in the mainstream of borrowers? 
The most straightforward home loan applications are those from borrowers who have saved 20 per cent deposit and who worked fulltime for at least a year, under a PAYG salary arrangement. These are straightforward because the lender can see that the borrower has saved the deposit from their own income, and that they have regular employment at a certain salary. If they also have a good credit history, their application moves quickly.
 
Can I use equity in my property to build wealth? 
Some first home buyers want to turn their property into more wealth, which they do by growing their equity: that is, the part of the property’s value that is not owed to their lender. There are two kinds of equity to think about.
 
How can a mortgage broker help me get a home loan? 
Finding the right home loan can be a complex and time-consuming task, especially for first home buyers. Many borrowers navigate the daunting number of options by using a mortgage broker to source their loans – around half of residential mortgages are now written by brokers in Australia. But is a broker for you?
 
How can an offset account help me repay my home loan faster? 
If you can reduce the interest payments in your home loan, you speed the repayment of the principal amount and accelerate the pay-out of the mortgage.
 
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