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Mortgage Broker — Sutherland Shire

21+ Years Getting Complex Loans Approved · 20+ Specialist Lenders · $0 Broker Fee

Get Free Assessment Call 0425 228 882

YML Finance provides specialist mortgage broking to homeowners and investors across the Sutherland Shire — from Cronulla and Miranda to Engadine and Menai. Whether you are buying your first home, refinancing or looking at investment, we find the right loan for your situation.

The Sutherland Shire has a strong community of small business owners, tradies and self-employed professionals. We specialise in getting these borrowers approved — even when the major banks say the income structure is too complex.

How We Help Sutherland Shire Borrowers

We serve clients across Cronulla, Miranda, Caringbah, Engadine, Menai, Sutherland, Gymea, Kirrawee and surrounding Shire suburbs. No matter how complex your situation, we have a solution.

Self-Employed & Trust Loans

Business owners, sole traders, company directors and trust structures. We know which lenders accept complex income and how to present your application correctly.

Learn about self-employed loans →

Bad Credit & Second Chance

Defaults, bankruptcy, court judgments or low credit score — we specialise in second-chance approvals and access 20+ specialist lenders the major banks don’t work with.

Learn about bad credit loans →

SMSF Property Loans

Buying investment property inside your super fund? We are LRBA specialists with 21+ years of SMSF lending experience, backed by YML Group accountants and financial planners.

Learn about SMSF loans →

ATO Debt & Refinance

ATO or BAS debt? We help Sutherland Shire homeowners consolidate tax debt into their mortgage, simplify repayments and reduce financial stress.

Learn about ATO debt consolidation →

Why Sutherland Shire Clients Choose YML Finance

  • 21+ years experience — deep knowledge of complex loan structures
  • 20+ specialist lenders — not just the big 4 banks
  • $0 broker fee to you — we are paid by the lender
  • Part of YML Group — access to accountants, financial planners and lawyers under one roof
  • MFAA member 20+ years — regulated, professional, trustworthy
  • Honest advice — we will tell you if we can help and if not, what to do next

Ready to Get Your Sutherland Shire Home Loan Approved?

Free, no-obligation discussion with Jay Perron — 21+ years experience.

Book Free Consultation Call 0425 228 882

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.

Book Your Free Loan Assessment

Speak to Jay directly — we call you back within 2 hours.
No obligation  ·  No credit check  ·  ASIC Licensed

🔒 100% confidential  ·  Privacy Policy  ·  Credit Guide

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.