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As the banks go up, we smash our rates down

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Following an increase in home loans by a major bank, disruptor Yellow Brick Road Holdings Limited is going the other way. Unlike the major banks, with our business model we can send rates down giving consumers a more competitive offer at a three per cent price point.
  • Westpac increases home loan rate
  • Commonwealth bank increases home loan rate
  • Yellow Brick Road decreases home loan rate

Yellow Brick Road Group Executive Chairman Mark Bouris commented that “Home loan rates from the major banks stalled in the four percent range and are now looking to increase.  Unlike these major banks, with our business model we can send rates down giving consumers a more competitive offer at a three per cent price point.”
“As the banks shift their focus, we can’t see any other business with a national branch network offering rates below the four percent mark,” said Bouris.

"Yellow Brick Road is a disruptor and we are the first to do things like robo-advice and all the other fancy typical disruptions. But the real disruption, the bottom line, what consumers want, is someone with an interest rate that makes a significant difference and that’s what this rate does." 

Provider Product Comparison rate*
Yellow Brick Road Rate Smasher 3.92%  
Commonwealth Bank No Fee Home Loan 4.75%  
ANZ Simplicity PLUS 4.63%  
Westpac Flexi First Option Home Loan 4.40%^
NAB Base Variable Rate Home Loan 4.15%  

Source: as at 7 October 2015
^ This rate based on Mozo adjusted by 20 basis points in line with Westpac release on 14 October 2015 

“This competition is great for consumers, who can now take advantage to negotiate a better rate, and call their lender today,” said Bouris “Shopping around and comparing rates can save a family tens of thousands of dollars over the life of a loan, but it’s up to the consumer to make the first move. Don’t wait for your bank.”
Yellow Brick Road has consistently delivered highly competitive rates to consumers, acting swiftly to respond to industry changes. 
This Rate Smasher comparison rate* of 3.92% p.a is available for a limited time for applications lodged by 30 November.  For further detail on the Rate Smasher Home Loan, visit

About Yellow Brick Road Group

Yellow Brick Road is a group of wealth management and financial services companies headed by Executive Chairman Mark Bouris. Yellow Brick Road offers tailored advice and services to Australians wanting to build financial security for the future. With its extensive neighbourhood based branch network, Yellow Brick Road Group is committed to delivering accessibility, quality financial advice and competition in the market.
* Comparison rate based on Rate Smasher standard variable rate for a $150,000 loan for 25 years and comparable loans by major banks. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Limited time offer for applications received between 07/10/15 and 30/11/15 inclusive. Fees, charges and credit criteria apply. Source: on 07/10/15. YBR Finance Pty Ltd ACN 128 708 109, Australian Credit Licence 393195


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