Residential
Home loans
Guidance for first home buyers, next home purchasers, and upgrades, matching property plans with lender assessment criteria.
Sydney mortgage & finance broking
Your finance, managed.
From first home to commercial portfolio.
We assist home buyers, property investors and business owners across a broad panel of lenders. We work out the right structure first, manage the application, and review it every year.
Direct Access
Speak directly with an experienced credit adviser from initial review to settlement.
Policy Matching
Assessing borrowing capacity against distinct policies across 30+ lenders.
Annual Reviews
Proactive post-settlement reviews to ensure pricing and structure stay aligned.
Core lending services
We structure lending solutions tailored to your financial scenario, property objectives, and borrowing entity.
Restructuring
Refinancing
Reviewing interest rate pricing, releasing equity for renovations or investments, and consolidating existing facilities.
Portfolio
Property investment
Structuring investment debt, offset segregation, interest-only terms, and multi-property borrowing capacity strategy.
Commercial & Specialist
Commercial finance
Commercial property purchases, working capital facilities, self-employed alt-doc loans, and trust entity borrowing.
Ongoing Oversight
The Annual Finance Review
Settling a loan is the beginning of the debt lifecycle, not the end. Over time, lender pricing changes, fixed terms expire, and personal circumstances evolve.
YFM conducts structured annual reviews for all clients to examine existing rate competitiveness, loan features, and ongoing alignment with your goals.
What we assess during a review:
- • Pricing check: Comparing your current interest rate margin against new customer offers from your lender.
- • Fixed-rate expiry: Planning ahead of expiry cliffs to prevent reverting to higher standard variable rates.
- • Equity & property value: Checking updated property value estimates to assess loan-to-value ratio (LVR) improvements.
- • Facility suitability: Ensuring offset accounts, redraw access, and repayment methods remain effective.
External Referral Services
The YFM Network
Financing property often requires coordination with other independent professionals. Through the YFM Network, we introduce clients to external providers for services outside our core finance broking scope.
Conveyancing & Legal
Contract reviews and property settlement legalities.
Accounting & Tax
Structuring advice and financial statement preparation.
Buyers Advocacy
Property search assistance and negotiation representation.
Frequently asked questions
Practical information regarding mortgage broking, client engagement, and loan assessment.
YFM evaluates your borrowing capacity, existing commitments, and property objectives against the credit policies of Australian lenders. We identify appropriate loan structures, manage documentation, submit applications on your behalf, and provide ongoing support through to settlement and subsequent annual reviews.
The Annual Finance Review is a recurring check conducted twelve months after settlement (and annually thereafter). We review whether your current lender pricing remains in line with prevailing market rates, verify loan features (such as offset accounts and repayment frequencies), and confirm whether your facility remains appropriate for your future plans.
Initial consultations and residential mortgage assessments are complimentary. In standard residential lending, brokers are typically remunerated by the lender upon successful settlement of the loan. Full disclosure of any remuneration, commissions, or fees is detailed in our Credit Guide prior to providing credit assistance.
Our Sydney office is located at Suite 430, 20 Bond Street, Sydney NSW 2000. We meet with clients in person at our Sydney CBD offices, via secure video conference nationwide, or over the phone.