Yellow Brick Road: Home

Looking to refinance?

Refinancing is all about getting yourself a better deal either through lower rates, leveraging ownership equity or a combination of both. In addition to improved savings, refinancing also offers you the flexibility to address a host of circumstances. You could switch between fixed and variable rates, change mortgage applicants, consolidate debt or move to a different plan for quicker home ownership. The right refinancing plan should, therefore, deliver long term value and flexibility as per your goals.

At Yellow Brick Road, we offer you market-leading home and investment loan rates. Make the most of refinancing with our product range designed to fulfil various borrower needs for a diverse range of circumstances. Whether you have an impeccable credit record looking for the most competitive rates, are self-employed, a small business owner seeking minimal down-payment options or someone with a less than perfect credit credentials we're confident of offering you a solution. Our product range offers flexible loan solutions with features like online-loan-access, free redraw, offset and pay-anyone-access without any monthly or annual account keeping fees! What's more, is that we understand each customer has unique needs. We invest the time in knowing your exact circumstances before recommending a product that matches your specific requirements. Click on the links below to talk to a refinancing expert now!

Flexi Options Home Loan*


2.62 % pa Borrower rate

2.66 % pa Comparison rate

Choose from a variable or fixed loan, or a combination of both, with a 100% offset account

Essential Options Home Loan^


2.34 % pa Borrower rate

2.37 % pa Comparison rate

Enjoy the benefits of on-line loan access with free redraw, off-set and pay-anyone access.

Our Home Loan Calculators

What our clients say about us

Anthony, thank you so much for assisting us in buying our first home. You were fantastic! You really understood the stressful challenges we faced and always went above and beyond, which is something we have never experienced with our bank. You found a great loan for my wife and I, and your property reports proved quite valuable. We are so happy with the service and relationship.
Edwar Ibrahim, Maroubra
I am writing to thank you for all the help with managing my mortgages and finances. You made it so easy for me to get a better rate and stay with the same bank, which I didn't think was possible. Thanks again for all the time you put into assisting me.
Tricia Benjamin, Holland Park

Terms and conditions:

Flexi Options* Variable rate available for owner-occupied loan purposes paying principal and interest repayments up to a 80% LVR.

Essential Options^ Variable rate available for owner-occupied loan purposes paying principal and interest repayments up to a 65% LVR, PAYG applicants only, loan amounts $250,000 - $750,000.

The comparison rate is based on a loan for $150,000 and a term of 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Information and interest rates are current as of 08/02/21 for new customers only and are subject to change. Terms, conditions, fees, charges and credit criteria apply. The information is provided by Yellow Brick Road Finance Pty. Limited ACN 128 708 109 Australian Credit Licence 393195 and does not take your personal objectives, financial situation or needs into account. Consider its appropriateness to these factors before deciding whether to act on it. The above rates are subject to change. Fees and charges are payable. Terms and conditions are available from your local branch.