When Banks Say No — We Find a Way

21 years. That’s how long Jay Perron and the YML Finance team have been solving lending problems for Sydney borrowers who don’t fit the standard bank mould. Self-employed, bad credit, trust structures, ATO debt, complex income — these are not edge cases we handle occasionally. They’re the majority of what we do.

YML Finance is part of the YML Group, alongside YML Accountants and YML Financial Planning. For borrowers where the mortgage decision intersects with tax strategy, business structure, or financial planning — that combination under one roof makes a material difference to outcomes. Call Jay on 0425 228 882.

Why the YML Finance Approach Is Different

Most mortgage brokers are generalists. They help the straightforward borrower — good income, good credit, standard purchase — navigate the same process every time. That’s a perfectly legitimate service. It’s just not what we specialise in.

The cases that come to us are the ones where a bank has said no, or where the borrower already knows their situation is complex enough that a standard process won’t work. Self-employed directors with minimised tax returns. Business owners with ATO debt who have equity but need the right structure. Borrowers with a default from three years ago who’ve rebuilt their position and want to buy. Buyers who need bridging finance in a market where the vendor won’t wait.

The difference isn’t access to more lenders — though we do have access to 20+ specialist lenders beyond the major banks. The difference is knowing which lender to approach for which situation, how to present the application, and how to manage the assessment process to maximise the chance of approval.

What We Specialise In

Self-employed and low-doc lending. Full-doc and alternative-doc applications for ABN holders, company directors, trust beneficiaries and contractors. We understand how different lenders assess each income structure and how to present self-employed income in a way that reflects actual repayment capacity.

Bad credit and specialist lending. Defaults, Part IX agreements, discharged bankruptcy, credit impairment. We work with non-conforming lenders who assess the full picture rather than declining on a credit score threshold.

ATO debt consolidation. Rolling tax debt into home loan structures to eliminate the ATO’s General Interest Charge and restore cash flow. Backed by YML Accountants who understand the full tax and compliance picture.

Bridging finance. Buy before you sell, with finance approved before you exchange. The sequential timing that protects you from legal and financial risk.

First home buyers. Every available scheme, grant and low-deposit option, assessed and explained before you make a decision.

Refinancing. Lower your rate, access equity, consolidate debt, or simply move to a lender who treats you better.

Part of the YML Group

YML Finance sits within the YML Group alongside YML Accountants and YML Financial Planning. This is not a marketing arrangement — it means that when your mortgage application is linked to a business structure, a tax position, or a financial plan, the relevant professionals are in the same building and can coordinate. Most standalone mortgage brokers can’t offer this.

For self-employed borrowers in particular, the coordination between accountant and broker at the point of application directly affects outcomes. Your financial statements, tax returns, and loan application need to tell the same story. We make sure they do.

No Broker Fees in the Majority of Cases

We’re paid a commission by the lender when a loan settles — which means no cost to you in the majority of cases. In specialist situations where a lender doesn’t pay commission, a fee-for-service arrangement may apply. You’ll always know about this in writing before we start, and your consent is required before any fee is charged. Full details on our fees page.

MFAA Member for 20+ Years

YML Finance has been a member of the Mortgage and Finance Association of Australia for over twenty years. MFAA membership requires adherence to the Code of Practice, professional development standards, and ethical conduct requirements. We operate under Australia’s Best Interests Duty — the legal obligation for mortgage brokers to recommend what is genuinely best for the client, regardless of commission.

Call Jay directly — 0425 228 882
Bondi Junction, Sydney | Byron Bay clients welcome
YML Finance Pty Ltd | ACL 398415 | MFAA Member

General Advice Warning: The information on this page is general in nature and does not take into account your personal objectives, financial situation or needs. Seek tailored credit advice before acting. A Credit Guide is available on request. YML Finance Pty Ltd | ACL 398415.

Remuneration disclosure: In the majority of cases, YML Finance receives a commission from the lender when a loan settles. Where lender commission is not available, a fee-for-service may apply, disclosed in writing before work begins. See our fees page.