All four major banks are now forecasting the RBA will lift the cash rate at its September meeting.
Ballarat
Yellow Brick Road Ballarat is a multi award winning mortgage solution provider. We have a distinct focus on building long lasting relationships by providing all consumers with outstanding customer service and access to quality mortgage advice.
Our goal at YBR Ballarat is to help guide you toward find the right mortgage solution for your specific requirements. We do this in a manner such that you can understand and relate to the advice we offer, giving you access to a range of tools and expertise as well as support every step of the way.
Whether you are a first home buyer, an Investor or looking to refinance, we will help you plan for your future by providing quality mortgage solutions, delivered with professionalism and friendly service.
Our local area covers Ballarat and Buninyong, however we are not restricted and everyone is more than welcome.
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Home Loans
Meet the Ballarat team

Paul loves his local area because of its long and proud history. Outside work, Paul enjoys spending time with his wife and 2 children, watching AFL and supporting the Melbourne Football Club he also likes to help out his wife run their own horse stud.
Paul holds a Diploma of financial services in Finance / Mortgage Broking management. He's been in finance and insurance industry for over 20 years. Paul at Yellow Brick Road Ballarat strongly believes in creating long term client relationships, listening to individual clients' needs to give them advice tailored on their personal situation.
He believes in creating long term client relationships, listening to their needs and giving them advice tailored to their personal situation.
I can help with:
- Home loans
- Property investment loans
- Refinancing

Latest Offer
Live the life you deserve with a flexible home loan
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% pa
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6.19
% pa
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Our Blog
Is the property market really crashing, or just splitting in two?
Hotspotting’s Tim Graham joins Mark Bouris on Property Insights to explain why Australia’s property market has fractured, which suburbs are still growing, and what the federal budget means for buyers, sellers and investors.
RBA Leaves Cash Rate on Hold at 4.35% – What It Means for Borrowers
The RBA held the cash rate at 4.35% at its August 2026 meeting, resisting a return to hikes as inflation eases. Here’s what it means for borrowers.

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