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YOUR PERSONALISED ELIGIBILITY REPORT RESULTS ARE IN…

Congratulations, You Could Qualify To Buy Your First Home! Book A No-Obligation Consult Now For The Best Rate & Terms Guaranteed

You answered the questions. We ran the numbers. Now we'll compare your deposit and income against 50+ lenders, so you get the best rate guaranteed.

FIND MY BEST RATE
5.0 Google Rating from 138 Reviews
50+Lenders
$1,000To Furnish Your New Home
Bi-AnnualHome Loan Health Check
20+Years Of Experience
FamilyOwned Local Business
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Sick Of Renting And Want To Buy Your First Home? You’re Closer Than You Think...

Thousands of Aussies stay shut out of the market because they don’t realise they qualify for finance. They ask their bank, get knocked back, and give up. But your deposit could already be enough with the right lender.

We’ll compare 50+ lenders and find a competitive loan you’re eligible for. The best part? Our service is almost always free because the lender pays us after settlement. You can stop renting and start looking for a place in Melbourne’s north to call your own.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

WARNING: Your Bank’s ‘Loyalty Tax’ Could Cost You Thousands Of Dollars At Settlement

Calling your bank feels like a safe option for your first loan. But it can only offer its own products and assess you under its own lending rules. Even if you’re approved, your chance of an approval, you may miss a lower rate, better features or a more suitable loan structure. In fact, banks often give new customers more competitive rates than loyal ones. We look across a broad panel of lenders to find the option that fits your position best. You’ll get the strongest deal we can find across our lender panel, instead of whatever the bank puts in front of you.

We Check Your Mortgage Every 6 Months To Make Sure It’s Still The Best Deal

The right loan for you today might not be the right loan in a year’s time. Interest rates may change, while higher equity or improving your credit can open the door to more suitable options. Banks rarely call to tell you there’s something better available. Through our Post-Settlement Care Program, we review your mortgage every 6 months to see if it still stacks up. If it doesn’t, we’ll show you what’s changed and whether switching could reduce your rate or repayments.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Get The Best Deal From 50+ Lenders — Not Just The Big Four Banks

nab
Commonwealth Bank
Suncorp
Bankwest
Gateway Bank
Pepper Money
Westpac
ANZ
AMP
resi
La Trobe Financial
St.George
BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Work With Local Mortgage Brokers

David and Andrew built Yellow Brick Road Northern Group after seeing too many brokers arrange a loan, collect their commission and disappear after settlement.

With more than 20 years of mortgage and finance experience, they’ve created a local family business built around personal service and long-term relationships. You’ll deal with real people who take the time to understand your plans and stay involved well after you collect the keys.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Why Get Your First Home Loan With Yellow Brick Road Northern Group?

Compare 50+ Lenders For The Right Deal

We search our full lender panel to find a loan that suits your deposit, income and type of home you want to buy.

Best Rate & Terms Guaranteed*

If you find a better rate or better terms for a comparable loan, we’ll beat it.

Bi-Annual Reviews To Keep Your Loan Competitive

We keep checking your mortgage after settlement to see if you could reduce your rate or repayments.

Help With Complex Lending Situations

From family guarantees and construction loans to self-employed income, we can work through situations some lenders can’t.

Support From Local Experts

Work with a local family business that understands the area and the challenges first home buyers face.

Ongoing Support As Your Needs Change

Need money for a renovation or an investment property? Come back to the same team that already understands your position.

Check Which Grants And Schemes You Qualify For

We’ll identify any first home buyer grants, deposit schemes or stamp duty concessions that could reduce what you need upfront.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Going Direct To Your Bank vs Yellow Brick Road Northern Group

Your Bank
Limited to one bank’s products
You may miss the best offers
Manage the application yourself
No automatic Annual review
Less flexibility for tricky situations
Often disappear after settlement
Large national organisation
Speak corporate technical terms hard to understand
Yellow Brick Road
Access 50+ lenders
Best rate and terms guaranteed*
We manage the process for you
Your loan reviewed every 6 months
Help with complex lending
Ongoing support as your needs change
Local team based in Melbourne’s north
Support and educate you throughout the process to understand loan terms.
BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Stop Sitting On The Sidelines While House Prices Move Further Out Of Reach

Every month you wait, prices can rise, competition can get tougher and homes in suburbs you already know and love can become harder to afford. The longer you wait, the longer your life stays on hold.

This is about more than escaping the rental trap. It’s about buying near family and friends you see every week. Having enough room to settle down and raise kids without needing to move again in two years. The sooner you know what you can afford, the sooner you can find a home that fits the life you want.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

4 Simple Steps To Get Approved For Your First Home Loan

1

Book Your Free Buyer-Ready Assessment

Choose a time for a free 30-minute consultation where you’ll tell us more about your current situation.

2

We Review Your Numbers

We assess your borrowing power and run a soft credit check. If you’ve got a property in mind, we can also arrange a free valuation.

3

Get A Clear Plan To Buy Your First Home

We reveal how much you could borrow, what deposit you need and the next step towards pre-approval. Once you’re ready to move forward, we’ll prepare and lodge your application.

4

We Conduct Bi-Annual Home Loan Health Checks

After settlement, we’ll review your mortgage every 6-12 months to make sure you still have the best deal.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

 “The team were great! Made sorting our first loan easy.”

We recently refinanced our 2 x mortgages and YBR were incredible to work with. Communication was prompt and easy to understand, the whole process was easy from start to finish. They found us the best deal and spent a substantial amount of time helping us to understand the long term value in the change with the recommended lender compared to the short term incentives of other lenders. Highly recommend YBR and will definitely work with them again!

Roxanna F.Refinance

The team at Yellow Brick Road were amazing. I had a unique situation and they were able to help me out massively. They were easy to deal with and were always quick to respond to emails.

Siobhan. LMortgage

Vincent did an excellent job with my property refinance. He made the whole process smooth and easy, secured a great outcome, and helped me access the cash I needed. Very professional, responsive, and reliable. Highly recommend Vincent!

Aman M.Refinance

Would not hesitate in recommending David Piculovski and Bianca Valeri for all your home loan needs at YBR. They were extremely supportive and attentive, answering all my silly questions. Professional, friendly and genuine. Will be recommending to my family and friends.

Kate C.Refinance

We recently worked with David to purchase our family home, and we couldn’t be happier with the experience. Dave was incredibly prompt in his responses, always available to answer our questions, and explained every step of the process clearly and patiently.

Emily H.First Home Buyer

YBR Rosanna were very helpful in providing us with all the information we needed to get to our goal of owning our first investment property.

Darlene S.Property Investor

Miracle workers! These guys are out of this world - unbelievable. They have helped me and my family relocate from New Zealand in a week.

Olga M.Refinance

David was absolutely amazing! He helped us navigate our options and supported us every step of the way to turn our decision into a reality with minimal fuss.

Ten-Marie P.First Home Buyer

YBR Rosanna were very helpful in providing us with all the information we needed to get to our goal of owning our first investment property.

Darlene S.Property Investor

Working with them was incredible. They handled everything so calmly even when I was indecisive and managed to secure a great rate with the bank extremely fast. They made the stressful process of buying my first home easy and, thanks to their hard work, I am now settled in

Sanjai T.First Home Buyer
BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Get The Best Rate & Terms, Guaranteed!

We search high and low, far and wide, to unlock the best rate and terms for your loan. We compare your deposit and income against 50+ lenders to find the most competitive loan available. We don’t just check the big four and call it done. We look across our full lender panel.

If you find a better comparable rate or loan terms elsewhere, we’ll beat it. Guaranteed!

*T&Cs Apply

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

September Offer For The First 20 First Home Buyers

Claim Your FREE 30-Minute Buyer-Ready Assessment Plus You Could Get $1,000 Cash To Furnish Your Home When You Settle Through YBR Northern Group

We’ll assess whether you’re ready to buy now and explain what happens next. Here’s just a fraction of what’s included:

FREE, no-obligation 30-minute consultation to show you how much you could borrow and what deposit you need

FREE soft credit check to uncover any issues before they hold up your application

FREE property property once you have a home in mind, so you can avoid overpaying on your first home

A clear path to pre-approval helping you make stronger offers and move faster when the right home comes up

An explanation of which grants or concessions you’re eligible for, and how they could reduce the amount you need upfront

$1,000 cash to furnish your new home when you settle your first home loan through YBR Northern Group this month

Do you have an existing loan?required

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

frequently asked questions

Questions Before You Book Your Buyer-Ready Assessment

No. The lender pays us a commission after your loan settles, so you won’t pay anything for our service.

BOOK 30-MIN BUYER-READY ASSESSMENT NOW

Find Your Best Rate And Terms, Plus You Could Receive $1,000 To Furnish Your First Home!

Terms & Conditions

Last updated: 9th August 2021

1. General Information and Privacy

This website and its contents (‘Website’) is owned by Yellow Brick Road Holdings Pty Limited ACN 119 436 083 of Level 11, 1 Chifley Square, Sydney NSW 2000 (‘YBR’).

Please read these Terms and Conditions (‘Terms and Conditions’) before using this website including any related mobile applications available by YBR.

The use of this website is governed by these terms and conditions, as amended from time to time and by using this website you agree to its terms. If you disagree with any part of the terms and conditions, then you may not access this website.

2. Privacy

YBR’s Privacy Policy applies to all information collected from you in the use of this website.

Click here to view our Privacy Policy.

3. Cookies

This website uses cookies. By using this website and agreeing to these terms and conditions, you consent to the use of cookies in accordance with our Privacy Policy.

When you access and interact with our services, we may collect certain information about those visits. For example, in order to permit your connection to our services, our servers receive and record information about your computer, device, and browser, including potentially your IP address, browser type, and other software or hardware information.

If you access our services from a mobile or other device, we may collect a unique device identifier assigned to that device, geolocation data, or other transactional information from that device.

Cookies and other tracking technologies (such as browser cookies and local storage) are comprised of small bits of data or code that often include a de-identified or anonymous unique identifier. Websites, apps and other services send this data to your browser when you first request a web page and then store the data on your computer so that such websites, apps and other services can access information when you make subsequent requests for pages from that service. These technologies may also be used to collect and store information such as pages you have visited, content you have viewed, search queries you have run and advertisements you have viewed in relation to your usage of our services and other websites you have visited.

Third parties that support our services such as allowing you to share content may also use these technologies to collect similar information. We do not control these third-party technologies and their use is governed by the privacy policies of those third parties.

Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether.

For more information, consult the “Settings” or “Help” section of your browser. Please note that by blocking any or all cookies you may not have access to certain features or content available on certain sites.

4. Links to Other Websites

The website may contain links to (or from) or display the content of third parties (‘Third Party Content’) such as Lenders on our panel. Third Party Content and Third Party Websites are not under the control of YBR. YBR does not endorse, approve or make any warranty or claim regarding Third Party Content, Third Party Websites or the products, services or information available on any Third Party Website, or in respect of the owner or operator of a Third Party Website or their conduct. If you use or rely upon Third Party Content or Third Party Websites, you do so solely at your own risk.

5. Competitions and Promotions

Certain parts of the website may contain competitions or promotions from YBR. The terms and conditions for those competitions and promotions will be specified on the relevant part(s) of the website from time to time. By entering or participating in the relevant competition or promotion you agree to be bound by the relevant terms and conditions.

Notwithstanding any specific terms and conditions, YBR specifically retains the right, at any time and without notice, to remove, alter or add to competitions or promotions on the website.

All competitions and promotions are only open to persons located in Australia and prizes will not be awarded to people who do not meet the requirement at the time of entry.

6. Intellectual Property

Trade marks on the websites used to describe or identify any products and services provided by YBR or any of its subsidiaries, related entities and affiliates are trademarks of YBR.

All material on this website, including logo, information, text, graphics, design, multimedia material, layout, downloads, pricing, products and services (‘content’) is owned by or licensed to YBR and is subject to the Copyright Law 1968.

The content of this website is intellectual property and must not be reproduced, modified, transmitted, adapted, distributed, sold, published or stored for any purpose, other than with the prior written consent of YBR, or as permitted by law.

Note: Your access or use of this website does not constitute or create a licence or any other right to use the Content or the Trademarks. All rights of YBR are reserved.

7. Limitation of Liability

YBR does not make any representation or warranty (either express or implied) as to the completeness, accuracy, reliability or availability of the website or its contents. By accessing this website, you assume all risks associated with its use, including but not limited to the risk that your computer, software or data may be damaged by any virus transmitted by this website or by any Third Party Content or Third Party Website. To the extent permitted by law, all warranties, conditions and claims (whether express or implied) arising out of or in any way connected with this website are hereby excluded. By accessing our website, you agree to indemnify YBR for any loss, damage, costs or expenses whatsoever suffered by any individual or entity arising out of or in any way connected with your access to this website.

YBR and its officers, representatives, employees, agents, contractors or agents shall not be liable for any loss, damage, claim, expense, cost (including legal costs) or liability arising from your use or non-use of this website, or your reliance upon information contained upon it (whether arising from YBR’s negligence or otherwise). To the fullest extent permitted by law, YBR’s liability for any breach of any term, condition, representation or warranty is limited to the supplying of the relevant good or services again, at YBR’s discretion.

YBR will not be liable to you (whether under the law of contact or otherwise) in relation to the contents of, or use of, or otherwise in connection with, this website:

  1. to the extent that the website is provided free-of-charge, for any direct loss;
  2. for any indirect, special or consequential loss; or
  3. for any business losses, loss of revenue, income, profits or anticipated savings, loss of contracts or business relationships, loss of reputation or goodwill, or loss or corruption of information or data.

These limitations of liability apply even if YBR has been expressly advised of the potential loss.

8. Exceptions

Nothing in this website will exclude or limit any warranty implied by law that it would be unlawful to exclude or limit; and nothing in this website will exclude or limit YBR’s liability in respect of any:

  1. death or personal injury caused by YBR’s negligence;
  2. fraud or fraudulent misrepresentation on the part of YBR; or
  3. matter which it would be illegal or unlawful for YBR to exclude or limit, or to attempt or purport to exclude or limit, its liability.

9. Currency of Information

You should be aware that information current to a particular time or date as placed on the website does not mean that more recent information of the relevant type does not exist, or is not available through other means, or that circumstances have not changed, such that the information does not reflect the state of affairs at any subsequent time. Further, delays may occur before particular information on this website is updated.

10. Indemnity

You agree to indemnify YBR and each of the officers, employees, representatives, agents, contractors, suppliers and licensors (‘Affiliates’) of YBR in respect of any liability, loss or damages (including all legal and other costs on a full indemnity basis) suffered or incurred by them arising (in whole or part) out of the breach of or failure to comply with any of these Terms and Conditions, or any other default or wrongful conduct in relation to the subject matter of these Terms and Conditions, on the part of you or any of your Affiliates.

11. Acceptable Use of Software and Downloads

Software and related digital materials may be expressly made available by YBR for downloading from the website. Unless those software or materials are expressed to be pursuant to specific conditions (in which case those conditions will apply), YBR grants to you a personal, non-transferable, and non-exclusive licence to use the relevant software or materials for your own private use, provided that you do not copy, modify, reverse engineer, or otherwise transfer or purport to transfer any right in them, and provided also that you ensure that all copies of such software and materials retain any copyright or other intellectual property notices.

The use of these material is governed by YBR’s intellectual property rights.

YBR gives no warranties (either express or implied) as to the completeness, accuracy or reliability of such software or materials, and they are downloaded and used by you entirely at your own risk.

12. User Content

Certain parts of the website may allow you to submit your personal information for competitions, promotions, complaints and marketing purposes. You must not:

  1. use the website in breach of any applicable laws or regulations;
  2. use the website to harm, abuse, harass, stalk, threaten or otherwise offend others;
  3. interfere with, disrupt, or create an undue burden on the website;
  4. upload, post, transmit or otherwise make available any material that:
    1. is not your original work, or which may infringe the intellectual property or other rights of another person;
    2. is, or could reasonably be expected to be, defamatory, obscene, offensive, threatening, abusive, pornographic, vulgar, profane, indecent or otherwise unlawful, including material that racially or religiously vilifies, incites violence or hatred, or is likely to offend, insult or humiliate others based on race, religion, ethnicity, gender, age, sexual orientation or any physical or mental disability;
    3. includes an image or personal information of another person unless you have their consent; or
    4. you know or suspect, or should reasonably know or suspect, to be false, misleading or deceptive.

You grant to YBR a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, adapt, copy, publish, communicate to the public, translate, distribute or edit your user content in any existing or future media. You also grant to YBR the right to sub-license these rights, and the right to bring an action for infringement of these rights.

Your user content must not be illegal or unlawful, must not infringe any third party’s legal rights, and must not be capable of giving rise to legal action whether against you or YBR or a third party (in each case under any applicable law).

You must not submit any user content to the website that is or has ever been the subject of any threatened or actual legal proceedings or other similar complaint.

YBR reserves the right to edit or remove any material submitted to this website, or stored on YBR’s servers, or hosted or published upon this website.

13. Products on Our Website

If you wish to undertake any services or products made available on this website, you may you may be asked to supply certain information relevant to the service including, without limitation, your name, address, email, phone number and other information relevant to the service.

YBR specifically retains the right, at any time and without notice, to remove, alter or add products & services and/or vary these, without any notification to you where permitted by law.

14. Restricted Access

Access to certain areas of this website is restricted. YBR reserves the right to restrict access to some areas of this website, or indeed this entire website, at YBR’s discretion.

If YBR provides you with a user ID and password to enable you to access restricted areas of this website or other content or services, you must ensure that the user ID and password are kept confidential.

15. No Warranties

This website is provided “as is” without any representations or warranties, express or implied. YBR makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, YBR does not warrant that:

  1. this website will be constantly available, or available at all; or
  2. the information on this website is complete, true, accurate or non-misleading.

16. General Advice Warning

The information presented on this website is general in nature and does not take into account your personal goals, objectives and financial situation. It does not represent financial product advice. You should always seek independent legal and financial advice before making a decision in relation to a financial product. Read the Product Disclosure Statement (PDS) relevant to the product before making a decision. You should consider your own circumstances, needs and financial objectives before making a decision.

17. Performance Expectations

YBR does not make any guarantees in relation to any investment performance or repayment for any product contained in this website or disclosure documents available on this website. Refer to the “General Advice Warning” in clause 16 for more information.

18. Breaches of these Terms and Conditions

Without prejudice to YBR’s other rights under these terms and conditions, if you breach these terms and conditions in any way, YBR may take such action as YBR deems appropriate to deal with the breach, including suspending your access to the website, prohibiting you from accessing the website, blocking computers using your IP address from accessing the website, contacting your internet service provider to request that they block your access to the website and/or bringing court proceedings against you.

19. Review of Terms and Conditions

We reserve the right, at our sole discretion, to review, modify or replace these Terms at any time. What constitutes a material change will be determined at our sole discretion

20. Company and Licence Details

Yellow Brick Road Holdings Pty Limited ACN 119 436 083 of Level 11, 1 Chifley Square, Sydney NSW 2000 (‘YBR’) is the parent entity.

Yellow Brick Road Finance Pty Limited ACN 128 708 109, is the holder of an Australian Credit Licence number 393195.

Yellow Brick Road Wealth Management Pty Limited ACN 128 650 037, is the holder of an Australian Financial Services Licence (AFSL) number 323825.

ExchangeIQ Advisory Group Pty Limited ACN 003 990 627, is the holder of an Australian Financial Services Licence (AFSL) number 255016.

Privacy Policy

Last updated: 17th November 2023

Who are we?

‘We’, ‘us’ and ‘our’ refer to Yellow Brick Road Finance Pty Limited (ACN 128 708 109, Australian Credit Licence 393195), Resi Mortgage Corporation Pty Limited (ACN 092 564 415, Australian Credit Licence 390669), YBR Administration Services Pty Ltd (ACN 612 545 356) and our related corporate entities, authorised representatives and credit representatives.

Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it, or as allowed under the relevant law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act 1988 and any other relevant law.

Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

This privacy policy relates to an application (‘the application’) you make to a mortgage manager for a loan (‘your loan’) or in which you offered to guarantee the applicant’s loan obligations or your loan or a guarantee of the loan. It includes consents from you to disclose certain information to other organisations described below. Your loan may be consumer credit or commercial credit.

The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you.

Credit information or Credit eligibility information is information which is used to assess your eligibility to be provided with finance and may include any finance that you may have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

Registration information is the information you provide in the course of registering for or acquiring a service, for example, to create an account, become a subscriber or enter a competition. Registration information may include name, email address, address details, gender and date of birth. It includes additional information which you provide in the course of that relationship.

If you are applying for finance we may also collect the ages and number of your dependents and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

Why we collect your personal information

We collect personal information to provide you with the services that you have requested, manage our relationship with you, for the purposes of assessing your application for finance and managing of that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from credit and authorised representatives of our licence(s) and other people such as accountants and lawyers. Information will also be collected from the application and from the records we maintain about the products or services you receive from us. Sometimes a Lenders Mortgage Insurance (‘LMI’) (‘Insurer’) may also collect further personal information about you during the course of the LMI cover provided to the lender for your loan. The terms of this notice and the LMI insurer’s Privacy Policy will apply to the collection, use and disclosure of that information.

How information is collected from other sources

Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:

  1. we obtain information (including commercial credit information concerning your credit worthiness or history, consumer information and collection of overdue payments information) from a credit reporting body for any purpose described below;
  2. we obtain information about your loan or a guarantee of the loan from another organisation described above;
  3. we can’t get hold of you and we rely on publicly available information to update your contact details;
  4. we check property, you offer as security, through public registers or our service providers; or
  5. we exchange information with your legal or financial advisers or other representatives.

When the law authorises or requires collection of information

There are laws that affect organisations that may require us to collect personal information about you. For example, we may require information about you to verify your identity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/ CTF Act).

How your information may be used

We may use information about you for purposes including:

  1. giving you information about loan products or related services;
  2. considering whether you are eligible for a loan or any related service you requested;
  3. processing the application and providing you with a loan or related service;
  4. administering your loan or any related service, for example, to answer requests or deal with complaints;
  5. confirming your identity;
  6. telling you about other products or services it or its related companies make available and that may be of interest to you, unless you tell us not to;
  7. allowing it to run its business efficiently and to perform administrative and operational tasks;
  8. preventing or investigating any fraud or crime or any suspected fraud or crime;
  9. as required by law, regulation or codes binding it; and
  10. any purpose to which you have consented.

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.

We may also use credit information about you to:

  1. enable an insurer to assess the risk of providing insurance to the lender or to address the lender’s arrangements with the insurer;
  2. assess whether to accept a guarantor or the risk of a guarantor being unable to meet their obligations;
  3. consider hardship requests; and
  4. assess whether to securitise loans and to arrange securitising loans the lender makes.

An LMI insurer may use information about you:

  1. to decide whether to insure a lender under an LMI policy;
  2. to assess the risk of you or a guarantor defaulting on your obligations to a lender;
  3. to administer and vary the insurance cover including for securitisation and hardship applications;
  4. to verify information that the LMI insurer collects about you;
  5. to deal with claims and recovery of proceeds including, among other things, to enforce a loan or a guarantee in place of a lender if the LMI insurer pays out an insurance claim on your loan or the loan you guarantee;
  6. to conduct risk assessment and management involving credit scoring, portfolio analysis, reporting and fraud prevention;
  7. to comply with legislative and regulatory requirements including requirements under the Privacy Act 1988 and Insurance Contracts Act 1984 as amended from time to time;
  8. for a mortgage insurance purpose relating to you; and
  9. for any other purpose under the insurance policy the LMI insurer issues to the lender relating to your loan.

The title insurer or its related entities may use information about you:

  1. to assess the risk of providing title insurance to the lender;
  2. for the subsequent administration or variation of the title insurance policy;
  3. for risk assessment, reporting, fraud prevention, enforcement and claim recovery activities;
  4. to discharge your existing mortgage over the security property and register your new mortgage over the security property where a refinance is taking place;
  5. to deal with claims and to enforce a loan or a guarantee in place of a lender if the title insurer pays out an insurance claim on your loan or the loan you guarantee;
  6. for a title insurance purpose relating to you;
  7. to comply with legislative and regulatory requirements; and
  8. for any other purpose under the contract between a lender and the title insurer.

Do we disclose your personal information?

We may disclose your personal information:

  1. to prospective funders/ lenders or other intermediaries in relation to your finance requirements;
  2. to the mortgage manager (‘mortgage manager’), which is listed within the Schedule of Related Parties;
  3. to the loan servicer (‘loan servicer’), that considers the application or administers your loan for the lender and listed within the Schedule of Related Parties;
  4. to the LMI insurer (‘Insurers’) that considers a lender’s request for LMI cover relating to the application or that gives LMI cover to the lender for your loan, and listed within the Schedule of Related Parties;
  5. to the title insurer (‘Insurers’), that considers a lender’s request for title insurance cover relating to the application or that gives title insurance cover to the lender for your loan, and its related entity as listed within the Schedule of Related Parties;
  6. to other related and unrelated organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centers;
  7. to associated businesses that may want to market products to you;
  8. to companies that provide information and infrastructure systems to us;
  9. to anybody who represents you, such as finance brokers, financial planners, lawyers and accountants;
  10. to anyone, where you have provided us with consent;
  11. where we are required to do so by law, such as under the AML/ CTF Act;
  12. to investors, agents or advisers, or any entity that has an interest in our business;
  13. credit reporting bodies;
  14. organisations that are involved in debt collecting or in purchasing debts;
  15. organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other serious misconduct;
  16. organisations involved in surveying or registering a security property or which otherwise have an interest in a security property;
  17. government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
  18. rating agencies to the extent necessary to allow the rating agency to rate particular investments;
  19. organisations involved in securitising your loan, including re-insurers and underwriters, loan servicers, trust managers, trustees and security trustees;
  20. guarantors and prospective guarantors of your loan;
  21. the borrowers or the prospective borrowers of the loan you guarantee;
  22. payment system operators to allow us to investigate or correct payments on your loan;
  23. to your employer, referees or identity verification services; and/ or
  24. to provide you with targeted advertising based on your online activities.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

  1. 1. the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
  2. 2. you have consented to us in making the disclosure.

We may use cloud storage to store the personal information we hold about you. We may store information about you in other types of networked or electronic storage. The cloud storage and the IT servers may be located outside Australia.

We may disclose information about you to overseas entities including related entities and service providers located in the Asia-Pacific, European Union, India or the United States of America (‘USA’).

QBE may disclose information about you to related companies situated in the Philippines. Genworth may disclose information about you to related companies situated in the USA, Canada or the United Kingdom. The title insurer or its related entities may disclose information about you to related companies situated in the USA, Malaysia or India.

Overseas organisations may be required to disclose information shared with them under a foreign law. In those instances, the organisation, described above, that disclosed the information to the overseas organisation will not be responsible for that disclosure.

We will only share any credit information about you with a credit reporting body if that body has a business operation in Australia and are unlikely to share credit eligibility information with organisations that do not have business operations in Australia. You may obtain more information about these entities by contacting us.

Direct marketing

From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.

If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 1800 927 927 or by writing to us at compliance@ybr.com.au . If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.

Access and correction to your personal information

We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.

An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days. We may need to consult with other entities as part of our investigation. If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

Using government identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without having to provide us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.

If you don’t provide your information to us, it may not be possible:

  1. to provide you with the product or service you want. For example, if information is not disclosed to an insurer, it may not be able to process a lender’s request for insurance. In that case, the lender may not be able to assess this application;
  2. to manage or administer the loan the lender makes to you;
  3. verify your identity or protect against fraud; or
  4. to let you know about other products or services that might be suitable for your financial needs.

Sensitive information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

How safe and secure is your personal information that we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

Using online services

When you access and interact with our services, we may collect certain information about those visits. For example, in order to permit your connection to our services, our servers receive and record information about your computer, device, and browser, including potentially your IP address, browser type, and other software or hardware information.

If you access our services from a mobile or other device, we may collect a unique device identifier assigned to that device, geolocation data, or other transactional information from that device.

Cookies and other tracking technologies (such as browser cookies and local storage) are comprised of small bits of data or code that often include a de-identified or anonymous unique identifier. Websites, apps and other services send this data to your browser when you first request a web page and then store the data on your computer so that such websites, apps and other services can access information when you make subsequent requests for pages from that service. These technologies may also be used to collect and store information such as pages you have visited, content you have viewed, search queries you have run and advertisements you have viewed in relation to your usage of our services and other websites you have visited.

Third parties that support our services such as allowing you to share content may also use these technologies to collect similar information. We do not control these third-party technologies and their use is governed by the privacy policies of those third parties.

Most browsers are initially set to accept cookies, but you can change your settings to notify you when a cookie is being set or updated, or to block cookies altogether.

For more information, consult the “Settings” or “Help” section of your browser. Please note that by blocking any or all cookies you may not have access to certain features or content available on certain sites.

Information disclosure for merger or sale of assets

If we sell all or part of our business or makes a sale or transfer of our assets or are otherwise involved in a merger or transfer of all or a material part of our business, we may transfer or disclose your information to the party(ies)involved in the transaction as part of that transaction and as part of any due diligence processes which take place in contemplation of a potential transaction.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act 1988, you may contact our Complaints Manager on complaints@ybr.com.au

We will acknowledge your complaint within one business day. We will provide you with a decision on your complaint within 30 calendar days.

If you are dissatisfied with the response of our Complaints Manager you may make a complaint to the Privacy Commissioner who can be contacted via the Office of the Australian Information Commissioner website (www.oaic.gov.au) or on 1300 363 992.

Further information

You may request further information about the way we manage your personal information by contacting us.

Change in our privacy policy

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices. As a consequence we may change this privacy policy from time to time or as the need arises.

You may request this privacy policy in an alternative form. This Privacy Policy came into existence on 1st February 2023.