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Yard Variable Home Loan

Advertiser disclosure
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 60%
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 80%
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 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 principal & interest loan between $150,000 and $5,000,000 with an LVR below 90%
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

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
  • Owner Occupier (Principal & Interest)
    LVR < 60%
    Loan: $150,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR < 80%
    Loan: $150,000 $5,000,000
  • Owner Occupier (Principal & Interest)
    LVR 80%-90%
    Loan: $150,000 $5,000,000
  • Owner Occupier (Interest Only)
    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 (Principal & Interest)
    LVR 80%-90%
    Loan: $150,000 $5,000,000
  • Investor (Interest Only)
    LVR < 80%
    Loan: $150,000 $5,000,000
Rate
6.14% p.a.
Comparison Rate
6.16% p.a.
Service fee
$0.00
Upfront fee
$530
Rate
6.34% p.a.
Comparison Rate
6.38% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
6.79% p.a.
Comparison Rate
6.83% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
7.44% p.a.
Comparison Rate
7.48% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
7.79% p.a.
Comparison Rate
7.81% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
6.64% p.a.
Comparison Rate
6.68% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
7.09% p.a.
Comparison Rate
7.13% p.a.
Service fee
$0.00
Upfront fee
$840
Rate
7.04% p.a.
Comparison Rate
7.08% p.a.
Service fee
$0.00
Upfront fee
$840

Mozo editorial review Yard Variable Home Loan - last updated: 23 May 2024

binocular icon
What's hot
  • Variable rates from 5.89% p.a. (5.91% p.a. comparison rate*) for LVR <60%
  • Optional offset account ($10/month)
  • Free extra repayments and redraws
What's not
  • Upfront fees
Mozo snapshot

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.

key icon
Key features

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.


snapshot
Who is it good for

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. 

question icon
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. 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. 


Details

Rates and fees information correct as at 13 July 2024. 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

6.14% p.a.

n/a

n/a

n/a

6.16% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$380.00

n/a

$150.00

n/a

$0.00

$500.00

Other financial bits

$150,000

$5,000,000

none

60.00%

Features

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.

Details

Rates and fees information correct as at 13 July 2024. 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

6.34% p.a.

n/a

n/a

n/a

6.38% p.a.

n/a

n/a

n/a

n/a

n/a

n/a

n/a

n/a

Fees

$0.00

$395.00

n/a

$445.00

n/a

$0.00

$500.00

Other financial bits

$150,000

$5,000,000

none

80.00%

Features

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

n/a

$0.00

$500.00

Other financial bits

$150,000

$5,000,000

80.00%

90.00%

Features

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

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

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

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

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

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

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

n/a

$0.00

$500.00

Other financial bits

$150,000

$5,000,000

80.00%

90.00%

Features

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.

Details

Rates and fees information correct as at 13 July 2024. 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

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

Fees

$0.00

$395.00

n/a

$445.00

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

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.

Customer Reviews

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About Yard

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

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Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

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Greater Bank

Great Rate Home Loan

6.19% p.a. variable

6.21% p.a.

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Police Credit Union

Low Rate Home Loan

6.14% p.a. variable

6.20% p.a.

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HSBC

Home Value Loan

6.09% p.a. variable

6.09% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

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South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

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Unloan

Variable

5.99% p.a. variable

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a. variable

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

6.19% p.a. variable

6.21% p.a.

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Unloan

Variable

6.29% p.a. variable

6.20% p.a.

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ubank

Flex Home Loan

6.24% p.a. variable

6.48% p.a.

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Aussie

Elevate

6.09% p.a. variable

6.20% p.a.

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Police Credit Union

Low Rate Home Loan

6.14% p.a. variable

6.20% p.a.

Thumbnail icon for South West Slopes Bank
South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan

6.14% p.a.

6.16% p.a.

Thumbnail icon for Greater Bank
Greater Bank

Great Rate Home Loan

6.19% p.a.

6.21% p.a.

Thumbnail icon for Police Credit Union
Police Credit Union

Low Rate Home Loan

6.14% p.a.

6.20% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

Thumbnail icon for ING
ING

Mortgage Simplifier

6.14% p.a.

6.17% p.a.

Thumbnail icon for Macquarie
Macquarie

Offset Home Loan (Package)

6.14% p.a.

6.39% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.25% p.a.
fixed 3 years

6.20% p.a.

Thumbnail icon for South West Slopes Bank
South West Slopes Bank

Fixed Home Loan Rate

5.69% p.a.
fixed 3 years

6.34% p.a.

Thumbnail icon for Macquarie
Macquarie

Basic Home Loan (Fixed)

6.35% p.a.
fixed 3 years

6.26% p.a.

Thumbnail icon for ING
ING

Fixed Rate Loan

6.09% p.a.
fixed 3 years

6.15% p.a.

Thumbnail icon for ANZ
ANZ

Fixed Rate

6.59% p.a.
fixed 3 years

7.06% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan (Fixed)

6.54% p.a.
fixed 3 years

6.38% p.a.

Thumbnail icon for ubank
ubank

Flex Home Loan Fixed

5.99% p.a.
fixed 3 years

6.41% p.a.

Thumbnail icon for Unloan
Unloan

Variable

5.99% p.a.

5.90% p.a.

$0.00

Thumbnail icon for HSBC
HSBC

Home Value Loan

6.09% p.a.

6.09% p.a.

$0.00

Thumbnail icon for Bendigo Bank
Bendigo Bank

Express Home Loan

6.01% p.a.

6.14% p.a.

$10.00 monthly

Thumbnail icon for Aussie
Aussie

Elevate

6.09% p.a.

6.20% p.a.

$0.00

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G&C Mutual Bank

First Home Buyer Loan

5.99% p.a.

6.02% p.a.

$0.00

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Community First Bank

Basic Variable Home Loan

5.94% p.a.

5.99% p.a.

$0.00

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Unity Bank

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.

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