flagFounded: 2017

businessOwned by: Nathan Gooley

monetization_onFunded by: Yard Financial Pty Ltd

securityLMI Provider:

account_balanceLender type: Digital Lender

Yard was founded in 2017 by finance specialist Nathan Gooley. The minds behind this online home loan lender are eager to leverage cutting-edge technology to simplify pricing and make the overall transaction easier for Australians. This lender understands that for most, homeownership can be a significant accomplishment in life, given that it takes both effort and sacrifice. So, Yard provides a drastically simplified, transparent and personalised online mortgage experience backed by exceptional customer support. As a Yard customer, you can expect:
  • Competitive loan rates
  • A simple online application process
  • A team that supports you throughout the whole process

How do Yard home loans compare?


  • No application fees
  • Loan amounts ranging from $150,000 to $5,000,000
  • Unlimited additional repayments, free of charge
  • 100% offset accounts for variable-rate loans
  • Unlimited online redraw for variable-rate loans
  • Borrow up to 95% of the property’s value
  • Home loan products available for first-time buyers, refinancers, property investors
  • New convenient, fast loan approval and mobile-friendly mortgage solution


  • 100% digital (no branch access)
  • An annual fee on the offset account
  • Discharge fee
  • Lack of access to a wide variety of home loans

What Home Loans Does Yard Have?

Yard offers home loans for both investors and owner-occupiers. They provide loans for renovations and ground-up construction. They also offer: Refinance home loans: Yard can help you refinance your home loan so that you can get competitive rates or tap into your home equity. Bridging Home Loans: Consider Yard’s bridging loan if you need to buy before going selling an existing property. SMSF Loans: Using your Self-Managed Super Fund (SMSF), you can buy or refinance a residential investment property.

Tips For Applying With Yard

Yard offers an online application, which means you will need a few items within reach when you apply. Applying Online
  • Yard asks the home’s address or the area you are searching in.
  • You will need to take a selfie and send it to them to validate your identity.
  • Yard requires identity documents like a driver’s licence, passport or Medicare card to verify your identity, credit history and financials online.
  • Yard lets you design the features of your loan in its online application to match what works best for you.

Let Us Help You Decide

Still not sure if a Yard home loan is right for you? Talk to one of our specialist mortgage brokers at Home Loan Experts. We will discuss your situation and complete a pre-assessment and suitable lender options. Give us a call on 1300 889 743 or fill in our free online enquiry form.