A number of lenders jumped to confirm they will pass on the full rate cut to their variable home loan customers.

Umina Beach
Yellow Brick Road Umina Beach is a full service mortgage broking company.
With the broad experience of the YBR network we can offer a wide range of financial products to our customers.
We can help with:
- Home Loans
- Commercial / Business Loans
- Plant & Equipment Finance
- Loans for Self Employed
- Investment Property Loans

Our Services

Home Loans

Commercial Loans

Self-employed

Business Finance

Investment Loans

Plant & Equipment Finance
Meet the Umina Beach team

Patrick is an experienced Mortgage and Finance Broker at Yellow Brick Road with over 25 years of expertise in residential, commercial, and business finance. Patrick's deep understanding of the unique challenges faced by both self-employed and PAYG clients enables him to offer tailored, unbiased guidance that aligns with each client’s unique needs. His commitment to independent, client-centered solutions led him to join Yellow Brick Road, where he could work with a team focused solely on securing the best possible outcomes.
He can help with:
- Home Loans
- Commercial & Business Loans
- Investment Property Finance
- Loans for the Self-employed
- Plant & Equipment Financing

David initially studied Criminal Justice at Charles Sturt University in NSW before accepting an offer to join ANZ bank in their insurance products division.
With over 8 years of experience working in Financial Services and sales industries, David gets great satisfaction from helping customers through exceptional customer service.
“I believe as a Mortgage Broker it is essential to find the best solutions possible for my customer".
When not working, David is an avid sports fan with a particular passion for NRL and the Manly Sea Eagles.
He can assist with:
- Home Loans
- Commercial Loans
- Loans for the Self Employed
- Business Loans
- Car Finance
Latest Offer
Live the life you deserve with a flexible home loan
5.89
% pa
Borrower Rate
5.92
% pa
Comparison Rate
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