Home Loan Guides | Expert Advice for Australian Borrowers

Published: 3 March 2026 | Last updated: 29 March 2026

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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Important: YML Finance (ACL 398415) provides credit assistance only and is not a financial planner, tax adviser, or legal adviser. Information on this website is general in nature and does not consider your personal financial situation, objectives, or needs. It does not constitute financial, tax, or legal advice. Before acting on any information on this website, please seek independent advice from appropriately licensed professionals. YML Finance is a member of the MFAA and is part of YML Group. Financial planning advice is provided by Acctpro Financial Services PTY LTD TA YML Financial Planning (AFSL 423636).Credit is subject to lender approval. Terms and conditions apply. Results shown in case studies are based on individual circumstances and are not a guarantee of future outcomes.