Yard Home Loan | Experts’ Review


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.

Why use us?

We aim to set an example by delivering what we promise: a higher level of service, better advice and better home loans.


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We finance properties anywhere in Australia for people anywhere in the world.


Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.


We get tough loans approved

We can help you navigate the often complex pre-approval and application process.


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