Mortgage Broker — Parramatta & Western Sydney

Local Mortgage Broker for Parramatta & Western Sydney

Whether you are buying your first home, refinancing, consolidating ATO debt or need a specialist self-employed or SMSF loan — YML Finance has been helping Parramatta & Western Sydney residents and business owners get approved for over 21 years.

We service clients across Parramatta, Penrith, Blacktown, Seven Hills, Castle Hill, Kellyville, Bella Vista, Rouse Hill, Baulkham Hills and Westmead. As part of YML Group, you also have access to accountants and financial planners with over 100 years of combined experience — all under one roof.

Who We Help in Parramatta & Western Sydney

• Self-employed borrowers — sole traders, companies, partnerships, contractors
• Trust structures — family trusts, unit trusts, discretionary trusts
• SMSF property loans — residential, commercial, rural
• ATO and BAS debt consolidation into your home loan
• Bad credit — defaults, late payments, discharged bankruptcy
• First home buyers — First Home Guarantee, FHOG, stamp duty exemptions
• Refinance — better rates, equity release, debt consolidation
• Commercial and business loans

Why Choose a Specialist Broker?

Most major banks assess loan applications the same way — using payslips and simple income. If your situation is more complex — self-employed income, a trust structure, ATO debt or past credit issues — a generalist bank will often say no, even when you can clearly afford the loan.

At YML Finance, we specialise in exactly these situations. We know which lenders accept complex income, how to present your application correctly, and how to get an approval others cannot.

Our Services

• Self-Employed & Trust Loans
• SMSF Property Loans
• ATO Debt Consolidation
• Bad Credit Home Loans
• Refinance Your Home Loan
• First Home Buyer Loans
• Commercial & Business Loans

The YML Group Advantage

Unlike a standalone mortgage broker, YML Finance is part of YML Group — a multi-disciplinary firm that includes accountants, financial planners and finance brokers with over 100 years of combined experience. This means your loan is structured correctly from day one, with full coordination between your broker, accountant and financial planner where needed.

• MFAA member for 20+ years — regulated, professional, trusted
• Australian Credit Licence No. 398415
• $0 broker fee — we are paid by the lender, not you
• Honest advice — we will tell you if you need to wait, or if we can help now

General information only. Not financial advice. YML Finance (ACL 398415) provides credit assistance only. Credit approval is subject to lender assessment. Please seek independent advice before proceeding.