7.0 / 10

based on 19 Yellow Brick Road banking product reviews as rated by Mozo community

Yellow Brick Road home loans

Since 2007, Yellow Brick Road has been operating as a full service wealth management company bringing together an extensive range of financial products, including home loans, into one organisation.

There are a suite of home loan to choose from and when you sign up with Yellow Brick Road, you’ll have a one-on-one adviser who can offer tailored advice to your specific needs. Read on below for everything you need to know about the home loan features, fees and rates on offer.

What home loans do Yellow Brick Road offer?

Rates and fees verified as correct at 01 August, 2021. Other information correct at the time of writing. Advertiser disclosure.

Variable Rate Home Loans

There are also several variable rate home loans available to both investors and owner occupiers from Yellow Brick Road: the Essential Options and the Flexi Option Home Loan. As the name suggests, the Essential Options loan has few features (extra repayments and redraws are included though) but a lower rate, and it's available on loan amounts from $150,000 with up to 95% of the property's value able to be borrowed. The Flexi Option loan on the other hand comes with a higher interest rate, but it offers a greater range of loan amounts (anywhere from $10,000 up to $2,000,000). There are no ongoing service fees with either loan, but you will need to watch out for a number of one-off fees.

Home loan repayments calculator

years

Product Rate Comparison Rate Service fee Upfront fee Monthly repayments

2.89% p.a.

2.94% p.a.

$0.00

$539

2.79% p.a.

2.84% p.a.

$0.00

$539

2.69% p.a.

2.74% p.a.

$0.00

$539

2.59% p.a.

2.64% p.a.

$0.00

$539

2.34% p.a.

2.37% p.a.

$0.00

$396

3.39% p.a.

3.42% p.a.

$0.00

$396

2.54% p.a.

2.57% p.a.

$0.00

$396

3.49% p.a.

3.52% p.a.

$0.00

$396

2.69% p.a.

2.72% p.a.

$0.00

$396

3.14% p.a.

3.19% p.a.

$0.00

$539

3.04% p.a.

3.09% p.a.

$0.00

$539

2.94% p.a.

2.99% p.a.

$0.00

$539

2.84% p.a.

2.89% p.a.

$0.00

$539

2.59% p.a.

2.62% p.a.

$0.00

$396

2.89% p.a.

2.92% p.a.

$0.00

$396

2.69% p.a.

2.72% p.a.

$0.00

$396

3.09% p.a.

3.12% p.a.

$0.00

$396

2.89% p.a.

2.92% p.a.

$0.00

$396

Yellow Brick Road home loan features in a glance

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Family Guarantee option

The variable, fixed and package home loans from Yellow Brick Road have a Family Guarantee option available which allows an immediate family member to support your loan application using the equity in their own home. This could provide a way for borrowers with a low deposit to get into the market. 

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Free extra repayments and redraws

Make additional repayments and redraw those extra funds online and without charge when you opt for a variable rate or package home loan with Yellow Brick Road. Fixed rate customers will also be able to use both features, though extra repayments are capped. 

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Free rate lock

Yellow Brick Road has generously added a free lock rate feature on all fixed rate applications to ensure you’re protected against interest rate rises between the formal approval and settlement date so long as settlement takes place within 90 days of the loan contract date.

How are Yellow Brick Road home loans rated?

Mozo users have rated Yellow Brick Road home loans on price, features, convenience, trust and customer service so you can see what real Aussies have to say about their experiences.

Icon of home-loans
Yellow Brick Road home loans
Overall
7.8/10
Price
Features
Customer service
Convenience
Trust

11 Reviews

Recent Yellow Brick Road home loan reviews

Yellow Brick Road Flexi Option Home Loan
Overall 9/10
Yellow Brick Road - a complete mortgage service!

Representative was always available at their office or at our place. She explained everything clearly, was friendly and professional and explained the process! Approval was nice and quick and we were always kept in the loop. You received a letter if the interest rates changed and it was reflected in your statement. What frustrated me was that when the Reserve bank did start to move rates down, you had to ring them up and request a review of your loan. Change (or not) was approved on the day. I always did my homework and could see that better offers were available so when you pointed that out, they’d usually drop to a rate that was very close to the one I’d researched. Because of their excellent customer service we stayed with them. We have now finished paying off our mortgage but we would still recommend them. They provided that 'good feel' personal touch! Something banks and many other financial institutions have forgotten how to do!

Read full review

Representative was always available at their office or at our place. She explained everything clearly, was friendly and professional and explained the process! Approval was nice and quick and we were always kept in the loop. You received a letter if the interest rates changed and it was reflected in your statement. What frustrated me was that when the Reserve bank did start to move rates down, you had to ring them up and request a review of your loan. Change (or not) was approved on the day. I always did my homework and could see that better offers were available so when you pointed that out, they’d usually drop to a rate that was very close to the one I’d researched. Because of their excellent customer service we stayed with them. We have now finished paying off our mortgage but we would still recommend them. They provided that 'good feel' personal touch! Something banks and many other financial institutions have forgotten how to do!

Price
9/10
Features
6/10
Customer service
10/10
Convenience
9/10
Trust
10/10
Less
Liz, New South Wales, reviewed 9 months ago
Yellow Brick Road Home Loan
Overall 1/10
Poor customer service

The Rooty Hill shop customer service person is more interested in flogging a product than customer service. Do not see this guy.

Read full review

The Rooty Hill shop customer service person is more interested in flogging a product than customer service. Do not see this guy.

Price
8/10
Features
7/10
Customer service
0/10
Convenience
0/10
Trust
0/10
Less
Joanne, New South Wales, reviewed almost 6 years ago
Yellow Brick Road Empower Package (Offset)
Overall 10/10
Great products and excellent customer service!

We dealt with the Revesby branch and found the service to be outstanding!! We refinanced as the loan we had was over 5% and the bank would not give us a better deal. Went to YBR and got the empower offset loan with zero fees and a rate of 4.22%

Read full review

We dealt with the Revesby branch and found the service to be outstanding!! We refinanced as the loan we had was over 5% and the bank would not give us a better deal. Went to YBR and got the empower offset loan with zero fees and a rate of 4.22%

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Alf, New South Wales, reviewed almost 6 years ago
Yellow Brick Road Empower Home Loan
Overall 6/10
Competitive rates

Great customer service.

Read full review

Great customer service.

Price
6/10
Features
6/10
Customer service
6/10
Convenience
6/10
Trust
6/10
Less
Katherine, Victoria, reviewed almost 6 years ago
Yellow Brick Road Empower Home Loan
Overall 10/10
Competitive features, great service

Great bank, very helpful, friendly advice, no pressure.

Read full review

Great bank, very helpful, friendly advice, no pressure.

Price
8/10
Features
9/10
Customer service
10/10
Convenience
9/10
Trust
10/10
Less
Barbara, Queensland, reviewed over 6 years ago

What do you need to apply for a Yellow Brick Road home loan?

If you decide that a Yellow Brick Road home loan is for you, here are some of the documents and information you may find helpful to assemble before you start your online application:

  • Identification such as your driver’s licence or passport
  • Contact details (for all applicants) including a valid email address
  • Proof of salary and evidence of any additional income streams e.g. rental income
  • Statements for any outstanding debt e.g. your credit card or another existing loan
  • Home loan statements (if you’re refinancing)

Home loan quick links