Home Loan Guides
Whether you’re buying your first home, refinancing, self-employed, or dealing with a complex lending situation, the right information makes the difference between an approval and a rejection. These guides are written by Jay Perron, YML Finance’s principal broker, drawing on 21+ years of arranging home loans for Sydney borrowers.
Each guide covers a specific borrower situation in plain English, no jargon, no sales pitch. Browse the topics below or contact us for a free confidential assessment of your situation.
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Browse Our Home Loan Guides
How to Choose a Mortgage Broker in Sydney
What to look for, what to avoid, and the right questions to ask before you commit.
Read guide →First Home Buyer Guide: Sydney 2026
Grants, stamp duty concessions, deposit requirements and what to expect step by step.
Read guide →Self-Employed Home Loans: Complete Guide
Income verification, low-doc options, and how to maximise your borrowing power as a sole trader or company director.
Read guide →ATO Debt & Home Loans: What You Need to Know
How ATO debt affects your application and strategies to consolidate or manage it.
Read guide →Bad Credit Home Loans: Sydney 2026
Defaults, Part IX, discharged bankruptcy, what’s possible, what lenders look for, and how to rebuild.
Read guide →SMSF Property Loans: LRBA Guide 2026
Using your super to buy property via a Limited Recourse Borrowing Arrangement, rules, lenders, and risks.
Read guide →When to Refinance Your Home Loan: 2026
Rate triggers, break costs, cashback offers, and how to know if refinancing actually saves you money.
Read guide →Bad Credit Home Loans: Can I Still Get Approved?
What lenders look for, and the specialist loan options available if your credit history isn’t perfect.
Read guide →When Should You Refinance? 7 Signs It’s Time
Seven clear signs you’re paying more than you need to, and how to know when switching makes sense.
Read guide →Self-Employed Home Loans: Proving Your Income
The documentation lenders actually want, and which loan type fits your situation.
Read guide →How Much Super Do You Need for an SMSF Property?
What lenders typically require, and how deposit, liquidity and serviceability affect the number.
Read guide →Byron Bay Investment Property Through SMSF
Is Byron Bay the right market for your SMSF strategy? An honest look at the opportunity.
Read guide →SMSF Property vs Shares: Which Builds More Wealth?
An honest comparison of returns, tax treatment, leverage, costs and liquidity.
Read guide →YML Finance (ACL 398415) provides credit assistance only. This page contains general information only and does not constitute financial or credit advice. Loan approval is subject to lender credit assessment and eligibility criteria.