Your Loan Factory

OUR STORY
Established in 2006, we are your local finance expert committed to providing peace of mind to all kinds of borrowers by helping them obtain and manage the financial needs. Our brokers are ex-credit skilled professionals who have worked in major banks in their careers approving loans and shaping bank policies. This gives us the righteous edge over other brokers as we able to pre-qualify and eliminate any discrepancy. We have access to a panel of up to 25 leading lenders offering hundreds of loans. Let us help you achieve your goals at factory rates that are hard to beat!

Our team of experts are here to educate our clients while providing an enjoyable experience from start to finish.

FACTORY RATES
With access to over 25 lenders, we will find a factory interest rate for you. From home loans to investment loans, we're here to help.

CUSTOMER SATISFACTION
With our 98% customer satisfaction rate, we like to go above and beyond for our clients.

WHY CHOOSE US?
While most mortgage brokers are disorganized, biased towards one lender and poorly trained, YLF is setting an example by delivering what we promise: a higher level of service, better advice and better home loans. Your Loan Factory composes of finance experts that provide you sharp and cutting edge services by putting themselves in your shoes. We undertake all the hard yards to provide you with impeccable and exceptional customer service.

We are loan approval experts from ex-credit backgrounds!

> Our services are free.
> Nation-wide services. (We come to you)
> Home loans from more than 40 lenders
> We simplify the process and do all the hard yards.
> Free valuations and credit reports
> We take a holistic approach synchronized to your needs.
> MFAA endorsed & COSL members.

We specialise in helping people with complex financial situations and those who do not meet standard bank policy.
Unlike most mortgage brokers who are just salesmen, Your Loan Factory finance experts have in-depth knowledge of the lending guidelines used by the major banks and other lenders. We have connections with a wide variety of lenders and know their policies thoroughly, as well as the hidden catches and potential complications you might face. Our finance brokers have worked in the credit department of major lenders approving and declining loan applications, so we can talk their language and shape a case to get your loan approved!. Our services are completely free and we get paid by the lender for doing the work. We are privately owned and can arrange loans with the four major banks as well as several reputable non-bank lenders.

WHY USE A BROKER IF I CAN GO WITH A BANK?

Unlike your bank, we have over 25 different lenders to choose from with a range of different policies so you can be confident about getting your home loan approved and not damaging your credit file. Following up on the progress of your loan can be stressful and time consuming. That’s why we deal with the banks so that you don’t have to. We have efficient systems in place to track your loan and provide you with timely updates.

Our finance brokers have a much higher level of training and experience than bank lenders, many of them with years of experience in the mortgage industry. We can order free up front valuations with our panel of lenders. This means that we know what the bank thinks your property is worth before applying with them. By ordering a valuation before you apply for as home loan it ensures that your credit file isn’t damaged by having too many enquiries.

We can also provide you with a free copy of your credit file so that you know where you stand with the banks.

The finance industry is a minefield of complex policy catches. This is why we make sure that we take your full situation into account and provide a complete solution. Our loan assessment process is thorough. We look at your needs now and in the future and make sure that we are getting you the best loan for your needs. We don’t forget about you once your home loan is advanced either! We offer exceptional ongoing customer care by conducting annual reviews on your financial products.