At Yellow Brick Road Earlwood as mortgage experts we take the time to truly get to know our clients, and to keep them on track with expert advice and genuine care.

People are at the heart of everything we do, from our services to our easy to access location. Branch Principal, Effie Nicol, has lived in the Earlwood area for most of her life and her family has strong ties to the local community. 

Our mortgage brokers are highly experienced in a broad range of solutions and will always be available to meet you. 

We are committed to tailoring a unique solution that meets your particular needs.

Our local area covers Clemton Park, however we are not restricted and everyone is more than welcome. 

Financial Planning services are provided by Authorised Representatives of InterPrac Financial Planning Pty Limited CAN 096 781 976 Australian Financial Services License (AFSL) 246638.

103 William Street, Earlwood NSW 2206
Opening Hours
Mon09:00 am - 05:00 pm
Tue09:00 am - 05:00 pm
Wed09:00 am - 05:00 pm
Thu09:00 am - 05:00 pm
Fri09:00 am - 05:00 pm
SatBy Appointment
SunBy Appointment
Street parking available in Woolcott St.

Our Services

Home Loans


Meet the Earlwood team

Effie Nicol
Branch Principal and Mortgage Broker

People are my passion. I love spending my days helping people on the path towards their dreams, whether that's buying their first home or refiancing or purchasing an investment property.

I have more than 10 years' experience in banking and finance, and I am continually looking for opportunities to learn from others and to grow my expertise. I am also a firm believer in helping other professionals succeed in their goals. As the Chair of the YBR Women in Finance initiative, I am privileged to connect with many inspiring women and to get the chance to share my experiences as a business owner and professional.


I can help with

  • Advice on home loans, residential and investment
  • Advice on refinancing loans to reduce rates and access cash
Malcolm Turner
Mortgage Broker


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