SYDNEY & BYRON BAY · MFAA MEMBER 21 YEARS

Your situation may be complex. Your home loan shouldn’t be.

Self-employed, SMSF, ATO debt or past credit issues — we specialize in complex lending and finding solutions tailored to your circumstances. With 21 years of experience, we know how to navigate the complexities and make the path to finance simpler.

★★★★★ 5.0 · 55 reviews (Sydney & Byron Bay) · $0 broker fee, most cases
21 years broking · 20+ lenders compared · 100+ years YML Group expertise — accountants, lawyers and financial planners, all in one group
Jay Perron with a client at the YML Finance office

Looking to lower your home loan repayments?

Compare a rate review, refinancing and different repayment structures. Our calculator shows the monthly difference alongside the estimated total interest, so you can see the trade-offs before speaking with Jay.

Compare My Repayment Options →Estimates only. A longer term or interest-only period may lower initial repayments while increasing the overall cost. Availability depends on lender assessment and your circumstances.

START HERE

What’s your situation?

Tell us where you’re stuck and we’ll show you the fastest path to approval.

Self-Employed & Low Doc

We know how to get business owners approved.

Check My Options →

First Home Buyers

Get pre-approved before you start looking.

Check My Options →

Refinance & Equity Release

Reduce repayments or access equity.

Check If It’s Worth It →

Complex Lending Solutions

SMSF, ATO debt, bad credit and specialist scenarios.

Find My Path →

Complex lending is what we do — not a problem to work around, but the whole practice.

21 years
navigating complex lending
★★★★★ 5.0
55 reviews, Sydney & Byron Bay
15 years
our longest client relationship

CLIENT STORIES

Real clients. Relationships that last.

★★★★★5.0·55 reviews

Testimonials reflect individual client experiences and are not a guarantee of loan approval, rate, or outcome for any other borrower. Outcomes depend on your own circumstances and lender policy.

Jump straight to your situation:

REPAYMENT CALCULATOR

See your repayments in seconds

A quick estimate — then call Jay for a rate that actually reflects your situation.

ESTIMATED MONTHLY REPAYMENT
$0
Estimate only. Actual repayments depend on lender, fees and loan structure.
Get My Actual Rate →
6.10% (estimate — your actual rate may differ)
30 years (standard assumption)

We compare 20+ lenders, including:

NABWestpacCommonwealth BankMacquarieSuncorpSt.GeorgeINGBankwestubankJudo BankAMP BankPepper MoneyResimacLa Trobe FinancialME BankNABWestpacCommonwealth BankMacquarieSuncorpSt.GeorgeINGBankwestubankJudo BankAMP BankPepper MoneyResimacLa Trobe FinancialME Bank

Frequently asked questions

Do you charge a broker fee?+

In most cases, no. YML Finance is paid a commission by the lender once your loan settles.

Can I get a home loan if I’m self-employed?+

Yes — this is one of our specialties. 21 years of experience presenting self-employed income properly.

Can I get a loan with bad credit or defaults on file?+

Often yes. Several specialist non-bank lenders cater to borrowers with adverse credit.

GET STARTED

Let’s talk about your situation

Free, confidential 15-minute consultation. No obligation, no credit enquiry until you’re ready.

  • 100% confidential, no obligation
  • No credit enquiry until you’re ready
  • Jay personally reviews every enquiry
  • Response within one business day
0425 228 882Prefer to talk now? Call directly.

🔒 100% confidential · ACL 398415

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