Choose the version of this loan that suits you best
Availability | Loan type | LVR | Min loan amount | Max loan amount | |
---|---|---|---|---|---|
|
Owner Occupier | Principal & Interest | < 60% | $150,000 | $5,000,000 |
|
Owner Occupier | Principal & Interest | < 80% | $150,000 | $5,000,000 |
|
Owner Occupier | Principal & Interest | 80%-90% | $150,000 | $5,000,000 |
|
Owner Occupier | Interest Only | < 90% | $150,000 | $5,000,000 |
|
Owner Occupier | Interest Only | < 90% | $150,000 | $5,000,000 |
|
Investor | Principal & Interest | < 80% | $150,000 | $5,000,000 |
|
Investor | Principal & Interest | 80%-90% | $150,000 | $5,000,000 |
|
Investor | Interest Only | < 80% | $150,000 | $5,000,000 |
Available for both purchasing and refinancing, online lender Yard’s Variable Rate Home Loan comes with sharp variable rates from 6.34% p.a. (6.38% p.a. comparison rate*) for LVRs up to 80%, or 6.14% p.a. (6.16% p.a. comparison rate*) for those with LVRs up to 60%. Plus, there are more than a few bells and whistles attached. Additional features include unlimited extra repayments, a redraw facility and an optional offset account (for an $10 monthly fee), plus the loan is even available to borrowers with lower deposits. And did we mention that it took out a 2022 Mozo Experts Choice Home Loan Award in the Investor Home Loan category?
Yard’s Variable Rate Home Loan is available to both owner occupiers and investors, though here are a number of variable rates on offer - each dependent on factors including where you live, your occupation and your individual credit rating. If you’re an investor borrower with an LVR up to 80% your variable interest rate could be as low as 6.64% p.a. (6.68% p.a. comparison rate*).
Find home loan applications a little confusing and time consuming? With Yard, not only will you have a dedicated loan consultant working with you during the process, but you'll be able to submit your application within 15 minutes!
And if you’re looking for a way to pay off your home loan sooner, then you may want to note that this home loan gives borrowers the ability to make unlimited, free extra repayments and access to an online redraw facility. There's even an option to add an offset account, though you'll want to make sure you're getting good use out of it because it does come with a $10 monthly fee.
Yard’s Variable Rate Home Loans may be suited to someone keen to take advantage of a competitive variable rate, as well as a number of additional features such as free extra repayments, the redraw facility and the optional offset account.
If you live in a regional area rates are not quite as low as they would be if you lived in a major city, but are still fairly competitive. There are also a number of one-off fees you'll want to weigh up first, including: a $380 legal fee, $150 settlement fee, $500 discharge fee and a valuation fee applied at cost.
6.14% p.a. |
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n/a |
|
n/a |
|
n/a |
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6.16% p.a. |
|
n/a |
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n/a |
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n/a |
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n/a |
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n/a |
|
n/a |
|
n/a |
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n/a |
$0.00 |
|
$380.00 |
|
n/a |
|
$150.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
60.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $120 p.a |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.34% p.a. |
|
n/a |
|
n/a |
|
n/a |
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6.38% p.a. |
|
n/a |
|
n/a |
|
n/a |
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n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
80.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.79% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.83% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
80.00% |
|
90.00% |
Owner Occupier |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
7.44% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.48% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
90.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
7.79% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.81% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
90.00% |
Owner Occupier |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
6.64% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
6.68% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
80.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
7.09% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.13% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
80.00% |
|
90.00% |
Investor |
|
Principal & Interest |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
7.04% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
7.08% p.a. |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
|
n/a |
$0.00 |
|
$395.00 |
|
n/a |
|
$445.00 |
|
n/a |
|
$0.00 |
|
$500.00 |
$150,000 |
|
$5,000,000 |
|
none |
|
80.00% |
Investor |
|
Interest Only |
|
Weekly, Fortnightly, Monthly |
|
yes - free |
|
no |
|
yes - free |
|
none |
|
yes |
|
Optional - $10 per month |
|
Valuation fee charged at cost. Rates are available to applicants with Excellent credit. |
|
none |
|
none |
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.
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Home Value Loan
6.09% p.a. variable
6.09% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Elevate
6.09% p.a. variable
6.20% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Elevate
6.09% p.a.
6.20% p.a.
Mortgage Simplifier
6.14% p.a.
6.17% p.a.
Express Home Loan (Fixed)
6.04% p.a.
fixed 3 years
6.15% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate Loan (with Orange Advantage)
5.99% p.a.
fixed 3 years
6.12% p.a.
Express Home Loan (Fixed)
6.54% p.a.
fixed 3 years
6.38% p.a.
Fixed Rate
6.59% p.a.
fixed 3 years
7.06% p.a.
Home Value Loan
6.09% p.a.
6.09% p.a.
$0.00
Elevate
6.09% p.a.
6.20% p.a.
$0.00
First Home Buyer Loan
5.90% p.a.
5.93% p.a.
$0.00
Basic Variable Home Loan
5.94% p.a.
5.99% p.a.
$0.00
First Home Buyer Advantage Plus Home Loan
5.99% p.a.
6.76% p.a.
$0.00
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is for a secured loan with monthly principal and interest repayments for $150,000 over 25 years.