Yellow Brick Road Phillip Island

04/06/2026

Resi, a lender that looks after the self-employed and loans that don't quite fit with the banks.

Call us today if your bank can't help you.

The banks don't want to lend to you? What do you do?In this week'...

22/05/2026

With three rate rises this year, there are a few simple things worth checking to make sure your loan is working for you.

Sometimes even a small adjustment or review can make a meaningful difference over the long term. If you’d like help understanding where your loan stands, we're always happy to have a chat.

21/05/2026

A lot of first home buyers think the journey starts with scrolling through listings or going to open homes. Usually, it starts with a conversation.

Understanding your budget, borrowing power and options early can make the whole process feel clearer and less stressful. The goal isn’t just to get a loan approved. It’s to help you feel confident about every step along the way.

If you’re not sure where to begin, let’s map it out together. Head to ybr.com.au/livethedream to get started.

18/05/2026

SMSF refinance review

A lot can change after settlement — rates move, policies shift, and your fund’s needs may evolve.
Refinancing an SMSF loan may help with:
• Lowering repayments
• Improving loan features
• Reviewing lender fit
• Supporting long-term fund strategy

If you’ve had your SMSF loan for a while, now might be a good time to review it.
Reach out if you want a second opinion on your current SMSF lending setup.

Take the first step toward financial clarity and peace of mind today. Your future self will thank you.

Yellow Brick Road Phillip Island
8 Vista Place, Cape Woolamai
[email protected]
T: 03 5956 6892

13/05/2026

The proposed tax changes in the 2026 Budget could have a major impact for a large number of property investors around the country.

While existing properties are generally unaffected, new purchases may be treated differently from 1 July 2027, particularly when it comes to negative gearing and capital gains.

Here is a general overview of the major announcements, and remember, the initiatives announced in the 2026 Federal Budget are subject to the passage of legislation.

Learn more here: https://ybr.com.au/federal-budget-2026-housing-changes-explained/

07/05/2026

Rates are up again, and the major lenders have already confirmed they’ll be passing on the rate hike in full.

Commonwealth Bank, NAB, ANZ, and Westpac have all moved quickly, announcing rates will be increasing from May 15, which means most variable loans will start to feel the impact over the next few weeks.

If you’re not sure when your rate is changing, or what it means for your repayments, it’s worth checking in. Give us a call or drop into our branch and we can take you through it to give you a clear picture of where things stand.

05/05/2026

The RBA has increased the cash rate by 0.25%.

For many homeowners, this could mean another increase in repayments. Now we've got our eyes on not only who, but perhaps more importantly, WHEN any rate increases will be passed on by lenders.

If you’re on a variable rate, it’s important to understand how this change could affect your loan and whether your current rate is still competitive. Reach out to us if you have any questions about your situation.

04/05/2026

Feeling overwhelmed by multiple debts?
You’re not alone—and there’s a smarter way to take control.

Consolidating your debts into a single personal loan can simplify your finances, reduce stress, and potentially lower your overall interest rate. Instead of juggling multiple payments, you’ll have just one clear, manageable monthly repayment.

✔️ One payment instead of many
✔️ Potentially lower interest
✔️ Clear path to becoming debt-free

Take the first step toward financial clarity and peace of mind today. Your future self will thank you.

Yellow Brick Road Phillip Island
8 Vista Place, Cape Woolamai
[email protected]
T: 03 5956 6892

04/05/2026

The RBA will make a call on interest rates tomorrow, and with all four major banks expecting rates to rise, it may well continue beyond May. Follow the link for the latest insight: https://ybr.com.au/housing-market-slows-and-pressure-builds-ahead-of-rba-rate-call/

28/04/2026

Swipe through for a quick look at the basics of how the government's expanded 5% Deposit Scheme works.

Many first home buyers are surprised to find they might be eligible to buy a home with as little as a 5% deposit and avoid paying LMI. If you want to see where you stand, we're here to help you with the next steps. Head to ybr.com.au/livethedream today to get started.






This is general information only and not financial advice. Eligibility criteria, price caps, lender conditions apply and availability is subject to participating lenders.