About Us
At Yes Home Loans and Finance, we offer you the most convenient Home Loan facility to suit your needs. With so many attractive benefits, the home you always wanted is no longer a dream.
As a direct mortgage broker with over 50 lenders on panel, we’re happy to help you invest in a new home so that you can enjoy tax benefits, build equity, and become part of a community.
Buying a house is a big commitment. Follow our steps to smooth your way through the home-buying process and get ahead on your home loan.
Before we begin, it’s important to note that buying a home is multi-faceted process that may vary depending on which program you choose, your financial footprint, and other factors. To prepare for the process, you’ll need to invest time organising your financial documents, making financial decisions with the help of your mortgage broker, and completing paperwork either online or in person. Choosing a local mortgage broker can make the process easier, and our checklists for purchase or refinance loans can help you get organised.
Smart ways to get ahead on your home loans:
· Aim to save a 20% house deposit. A bigger deposit means a smaller loan, and you'll avoid lender’s mortgage insurance (LMI)
· Compare loan options from at least two lenders. Focus on your 'must haves' to find one that best meets your needs.
· Look for the lowest interest rate. A home loan is a long-term debt, so even a small difference in interest adds up over time.
· Factor in all the costs involved in buying a house, such as building inspection, legal fees, stamp duty and insurance.
· Be realistic with the amount you borrow. Interest rates or your circumstances could change, so give yourself some breathing room.
· Make weekly or fortnightly repayments. You'll pay off your mortgage faster by making an extra month's repayment each year.