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Sydney’s Specialist in Complex Home Loans

Self-Employed • Trust Loans • SMSF Loans • ATO Debt • Bad Credit • First Home Buyers • Refinance

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Refinance

We compare 20+ lenders to reduce your repayments or unlock equity.

Check Your Savings →

First Home Buyers

Expert guidance for first home buyers. We make the process simple and clear.

See First Home Grants →

ATO Debt Solutions

Roll ATO or BAS debt into your home loan. Simplify cash flow and reduce pressure.

Get Debt Relief Quote →

Bad credit history?

Past credit issues? We specialise in second-chance approvals when banks say no.

Check If You Qualify →

Self Employed & Trust loans

Self-employed or in a trust? We specialise in complex structures and get approvals others cannot.

Get Pre-Approved →

Commercial loans

Expand your business, buy commercial property, or fund equipment. We arrange the right loan for you.

Get Business Loan Quote →

✦ Specialist Service

SMSF Property Loans — Done Right, First Time.

Part of YML Group — backed by accountants, financial planners and lawyers with over 100 years combined experience. We structure your SMSF loan with full compliance from day one.

18+Years SMSF Experience
5+Specialist Lenders
100+Years YML Group Expertise
$0Broker Fee To You
✓ LRBA Specialist ✓ Bare Trust Setup ✓ 5+ SMSF Lenders ✓ YML Group Backed ✓ MFAA Member 20+ Yrs
Explore SMSF Loans → 📞 Call Jay – 0425 228 882

Part of YML Group · Accountants · Financial Planners · Finance Brokers · 100+ Years Combined Experience

What Our Clients Say

YML Finance
YML Finance
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  • I've been with YML for 15 years now, for 3 re-mortgages. Jay always manages to find a good solution no matter how abnormal my request and situation. Their professionalism is only... read more

    John Hanly Avatar John Hanly
    May 5, 2026

    Jay and Mark and their teams have been so fantastic to work with. We were referred by a friend to YML and we couldn’t be happier. They have been very... read more

    Penny Avatar Penny
    May 4, 2026

    We had an exceptional experience choosing YML Finance as our mortgage brokers. From the very beginning, the team — Jay, Ruby, and Carmelita — were absolutely outstanding. What really set... read more

    Asaf Luft Avatar Asaf Luft
    March 24, 2026

  • HIGHLY RECOMMEND!!!! Jay Perron of YML Finance has been amazing throughout the process of refinancing. He and his team are very professional, personable and they pay a lot... read more

    david ben shimol Avatar david ben shimol
    March 5, 2026

    We recently used Jay as our mortgage broker and couldn’t be happier with the experience. From submitting our financials to receiving loan pre-approval, the process was incredibly fast and seamless.... read more

    jack foord Avatar jack foord
    February 26, 2026

    From start to finish, Jay and his team at YML Finance are there every step of the way. Not only providing sound guidance through the process but making sure you... read more

    Yves Shepherd Avatar Yves Shepherd
    January 29, 2026

  • I can thoroughly recommend Jay as a knowledgeable and experienced broker. Jay was great to deal with and her was able to answer all my questions. The approval from my... read more

    Karen Kelly Avatar Karen Kelly
    December 24, 2025

    Excellent personalised service. Took the time to explain any questions and always available.

    Viktoria Sundakov Avatar Viktoria Sundakov
    September 15, 2025

    Jay & team are highly professional and work together to achieve best outcome possible for client's need. I've been using them for many years now and they helped me achieve... read more

    Ellie Yael Manor Avatar Ellie Yael Manor
    September 8, 2025

  • YML provide various services for us, but this is the first time we are dealing with the finance team. It's been the most delightful, quick and hassle-free service. The... read more

    Nikita N Avatar Nikita N
    August 15, 2025

    YML provide various services for us, but this is the first time we are dealing with the finance team. It's been the most delightful, quick and hassle-free service. The... read more

    Nikita N Avatar Nikita N
    August 10, 2025

    Having used Jay to secure finance for a number of years, across various properties, I can safely say he and his team are absolutely dedicated to achieving the very best... read more

    Stuart Overton Avatar Stuart Overton
    July 29, 2025

  • Having used Jay to secure finance for a number of years, across various properties, I can safely say he and his team are absolutely dedicated to achieving the very best... read more

    Stuart Overton Avatar Stuart Overton
    July 28, 2025

    I have been working with Jay Perron of YML Finance for over 20 years and I can confidently say that their service has been nothing short of exceptional. Through every... read more

    a Montesanti Avatar a Montesanti
    July 23, 2025

    Working with Jay and his team was a joy, very professional and thorough. I would highly recommend!

    Office Manager Avatar Office Manager
    July 23, 2025

  • I have been working with Jay Perron of YML Finance for over 20 years and I can confidently say that their service has been nothing short of exceptional. Through every... read more

    a Montesanti Avatar a Montesanti
    July 22, 2025

    Working with Jay and his team was a joy, very professional and thorough. I would highly recommend!

    Office Manager Avatar Office Manager
    July 18, 2025

    Great service, and great staff. Highly recommend

    Josh Francis Avatar Josh Francis
    July 16, 2025

  • Great service, and great staff. Highly recommend

    Josh Francis Avatar Josh Francis
    July 15, 2025

    Jay has now arranged finance in excess of $20 million across multiple properties for me. His service is 1st class and he achieves the impossible in terms of LVR and... read more

    Rafi Peer Avatar Rafi Peer
    July 1, 2025

    Jay has now arranged finance in excess of $20 million across multiple properties for me. His service is 1st class and he achieves the impossible in terms of LVR and... read more

    Rafi Peer Avatar Rafi Peer
    July 1, 2025

  • We could not be more impressed and thankful for the service we received from Jay and his team! They worked around the clock to make sure we got the best... read more

    Doron Avatar Doron
    June 29, 2025

    Jay and his team provided an exceptional service. They were always professional and their knowledge and expertise are unmatched. They were incredibly flexible and patient as we had many questions... read more

    Nev Avatar Nev
    June 29, 2025

    I have dealt with Jay Perron of YML for over 10 years. Despite some near impossible requests and deadlines that I’ve set him he always goes the extra mile... read more

    Jeff Albert Avatar Jeff Albert
    June 28, 2025

  • I have dealt with Jay Perron of YML for over 10 years. Despite some near impossible requests and deadlines that I’ve set him he always goes the extra mile... read more

    Jeff Albert Avatar Jeff Albert
    June 27, 2025

    The YML Finance Team lead by Jay have been fantastic in sourcing and managing a great lending package for us personally and for our business. We now pay significantly less... read more

    Dominic Mason Avatar Dominic Mason
    June 25, 2025

    The YML Finance Team lead by Jay have been fantastic in sourcing and managing a great lending package for us personally and for our business. We now pay significantly less... read more

    Dominic Mason Avatar Dominic Mason
    June 24, 2025

  • Amazing!

    YML WEBSITE Avatar YML WEBSITE
    June 24, 2025

    Amazing!

    YML WEBSITE Avatar YML WEBSITE
    June 24, 2025

    Jay Perron and his team were most thorough and professional in their service. Jay knows how to achieve the best financial outcome for his clients.

    Mark Raymond Avatar Mark Raymond
    June 19, 2025

We Compare Over 20 Lenders

Australian lender logo — YML Finance panel lender
Australian lender logo — YML Finance panel lender

Let’s Talk About Your Home Loan Goals

Got a complex lending situation? We specialise in cases other brokers won’t touch. 21+ years helping Sydney businesses and families get approved. We handle self-employed loans, ATO debt, bad credit, and complex structures.

Call 0425 228 882 for a free 15-minute consultation.

🔒 100% confidential  ·  Privacy Policy  ·  ASIC Licensed

We are part of the YML GROUP and more than 20 years a member of the MFAA

MFAA Member — YML Finance, Mortgage & Finance Association of Australia

How It Works

From first call to settlement — we make complex loans simple

1

Free Assessment

Tell us your situation. Self-employed, bad credit, SMSF, ATO debt — nothing is too complex. We assess your position in detail, at no cost.

2

We Find Your Lender

We compare 20+ lenders including specialist non-banks, find the right fit for your situation, and structure your application for maximum approval chances.

3

Approved & Settled

We manage the entire process — paperwork, lender negotiations, compliance. You focus on what matters. We get you to settlement.

Repayment Calculator

Estimate your monthly repayments in seconds

Estimated Monthly Repayment
$0

This is an estimate only. Actual repayments depend on lender, fees, and your specific loan structure. Rates shown are indicative.

Get Your Actual Rate from Jay →

Insights & Guides

Practical advice for complex borrowers — from 21+ years in the field

SELF-EMPLOYED

Self-Employed Home Loans in Sydney: What You Need to Know in 2025

Banks want payslips. You have tax returns. Learn how specialist brokers assess your income and maximise your borrowing power.

Read the Guide →
ATO DEBT

ATO Debt and Your Home Loan: Can You Still Get Approved?

Carrying ATO debt doesn't mean no home loan. Find out how consolidation works and how to stop the GIC clock.

Read the Guide →
BAD CREDIT

Bad Credit Home Loans in Sydney: What Are Your Options in 2025?

Defaults, judgements, or missed payments? Learn the approve-repair-refinance strategy that gets people into homes.

Read the Guide →
FIRST HOME BUYER

First Home Buyer Guide Sydney 2025: Grants, Deposits & How to Get Approved

Everything Sydney first home buyers need to know — grants available, deposit requirements, LMI explained, guarantor options.

Read the Guide →
SMSF LOANS

SMSF Property Loans: The Complete LRBA Guide for Australia 2025

How to use your super to buy investment property. Bare trusts, LRBA rules, lender options and compliance requirements explained.

Read the Guide →
REFINANCE

When Should You Refinance Your Home Loan? A Sydney Borrower's Guide

Interest rates have shifted. Could you be saving thousands? Learn when refinancing makes sense and how to do it right.

Read the Guide →

Frequently Asked Questions

Answers to the most common questions we get from Sydney borrowers

No. YML Finance charges zero broker fees to clients. We are paid a commission by the lender once your loan settles — this is standard across the Australian mortgage broking industry and regulated by ASIC. You get expert advice and full service at no cost to you.
Yes — and this is one of our specialties. Self-employed borrowers, sole traders, company directors, and trust beneficiaries all face more complex income assessments than PAYG employees. We have 21+ years of experience presenting self-employed income in a way that lenders understand and approve. We access full doc, low doc, and alt doc loan products depending on your situation.
Often yes. While major banks will decline most applications with adverse credit, a number of specialist non-bank lenders specifically cater to borrowers with paid defaults, judgements, or a discharged bankruptcy. The key factors are the age and size of the impairment, your deposit, and your current income. We offer a free, confidential assessment with no credit enquiry at this stage.
An SMSF loan — technically a Limited Recourse Borrowing Arrangement (LRBA) — allows your self-managed super fund to borrow money to purchase an investment property. The property is held in a bare trust during the loan term. SMSF lending is complex and highly regulated. Not all lenders offer it, and the structure must be set up correctly from day one. YML Finance has arranged SMSF property loans for 18+ years and is backed by YML Group accountants, financial planners, and lawyers.
For straightforward applications with complete documentation, conditional approval can come within 24–48 hours with some lenders. Complex applications — self-employed, bad credit, SMSF — typically take 5–15 business days depending on the lender and the complexity of the file. We will give you a realistic timeline from the outset and keep you informed every step of the way.
In many cases, yes. If you have equity in an existing property, it may be possible to refinance and use cash out to pay the ATO debt, consolidating everything into one manageable mortgage payment at a much lower rate than the ATO's General Interest Charge (currently 10%+). Acting early is important — the ATO can list business debts over $100,000 on your credit file, which limits your options significantly.
We compare over 20 lenders including major banks (NAB, Macquarie, Suncorp, St.George), non-bank lenders (Pepper Money, Resimac, Liberty, Bluestone, La Trobe), and specialist providers for SMSF and commercial lending. Because we are not tied to any single lender, we can match your specific situation to the lender most likely to approve it at the best available rate.

Not sure if we can help with your situation? Read who YML Finance is for — including the types of borrowers we specialise in and a real example of a complex loan we solved.