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Yard Variable Home Loan

The details shown below are for an owner occupier taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 90%

The details shown below are for an owner occupier taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 90%

The details shown below are for an investor taking out a principal & interest loan between $150,000 and $5,000,000 with an LVR below 80%

The details shown below are for an investor taking out a interest only loan between $150,000 and $5,000,000 with an LVR below 80%

Choose the version of this loan that suits you best

  • Owner Occupier (Principal & Interest)

    LVR < 90%

    Loan: $150,000 $5,000,000

  • Owner Occupier (Interest Only)

    LVR < 90%

    Loan: $150,000 $5,000,000

  • Investor (Principal & Interest)

    LVR < 80%

    Loan: $150,000 $5,000,000

  • Investor (Interest Only)

    LVR < 80%

    Loan: $150,000 $5,000,000

Rate
2.65% p.a.
Comparison Rate*
2.68% p.a.
Service fee
$0.00
Upfront fee
$835
Rate
2.99% p.a.
Comparison Rate*
3.01% p.a.
Service fee
$0.00
Upfront fee
$835
Rate
2.92% p.a.
Comparison Rate*
2.95% p.a.
Service fee
$0.00
Upfront fee
$835
Rate
3.27% p.a.
Comparison Rate*
3.42% p.a.
Service fee
$0.00
Upfront fee
$835

Mozo editorial review Yard Variable Home Loan

Last updated: 30 July 2020.

binocular icon
What's hot
  • Rates start from 2.65% p.a. (2.68% comparison rate*)
  • Unlimited, free extra repayments
  • Free redraw facility
What's not
  • $120 offset account annual fee
Mozo snapshot

Available for both purchasing and refinancing, Yard’s Variable Rate Home Loan comes with sharp variable rates from 2.65% (2.68% comparison rate*) and more than a few bells and whistles attached. Additional features include unlimited, free extra repayments, no application fees, a free redraw facility and the option to add an offset account for an annual fee of $120. 

key icon
Key features

Yard’s Variable Rate Home Loans come with a number of rates, each dependent on factors including where you live, your occupation and your individual credit rating. If you’re a major city dweller, your annual variable interest rate could be as low as 2.65% (2.68% comparison rate*) for borrowers with a 10% deposit. 

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 comes with not only the ability to make unlimited, free extra repayments but also the option to add an offset account. You’ll just have to make sure that the money you save on interest can cancel out the $120 annual fee that comes with the offset account.

On top of all that, if you find yourself short of cash after making all those extra repayments, this loan also comes with a free redraw facility. This means that you can dip back into your extra repayments and actually take money back out from your loan.


snapshot
Who is it good for

Yard’s Variable Rate Home Loans may be suited to someone looking for a home loan with all the bells and whistles attached, keen to take advantage of a number of additional features, such as free extra repayments and a redraw facility. 

snapshot
Any catches

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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.65% p.a.

  • n/a

  • n/a

  • n/a

  • 2.68% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $434.50

  • $250.00

  • $150.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • none

  • none

  • Optional - $10 per month

  • Valuation and legal fees are approximate and 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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.99% p.a.

  • n/a

  • n/a

  • n/a

  • 3.01% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $434.50

  • $250.00

  • $150.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 90.00%

Features
  • Owner Occupier

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • none

  • none

  • Optional - $10 per month

  • Valuation and legal fees are approximate and charged at cost. Interest only repayments available for first 5 years. 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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 2.92% p.a.

  • n/a

  • n/a

  • n/a

  • 2.95% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $434.50

  • $250.00

  • $150.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Principal & Interest

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • none

  • none

  • Optional - $10 per month

  • Valuation and legal fees are approximate and 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.

Details

Rates and fees information correct as at 15 August 2020. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates
  • 3.27% p.a.

  • n/a

  • n/a

  • n/a

  • 3.42% p.a.

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

  • n/a

Fees
  • $0.00

  • $434.50

  • $250.00

  • $150.00

  • n/a

  • $0.00

  • $500.00

Other financial bits
  • $150,000

  • $5,000,000

  • none

  • 80.00%

Features
  • Investor

  • Interest Only

  • Weekly, Fortnightly, Monthly

  • yes - free

  • no

  • yes - free

  • none

  • none

  • Optional - $10 per month

  • Valuation and legal fees are approximate and charged at cost. Interest only repayments available for first 5 years. 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.

Customer Reviews

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