SYDNEY & BYRON BAY · MFAA MEMBER 20+ YEARS

Home loans made simple, even when your situation isn’t

Self-employed, SMSF, ATO debt or past credit issues — we specialise in the applications other brokers won’t touch. 20+ years getting complex borrowers approved, at no cost to you.

★★★★★ 5.0 · 46 reviews · $0 broker fee, most cases
20+ years broking · 20+ lenders compared · 100+ years YML Group expertise
Cape Byron Lighthouse, Byron Bay — photographed by Jay Perron, YML Finance

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What’s your situation?

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

Self Employed & Trusts

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.

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CLIENT STORIES

What our clients say

★★★★★5.0·46 reviews

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.
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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
0425 228 882Prefer to talk now? Call directly.

🔒 100% confidential · ACL 398415

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