Independent. Not owned by a bank or a lender.
Check the broker before you check the rate.
Every broker here has spent over two hours with our founder.
Home loans, refinancing, car, business and equipment finance. Tell us what you need and one YFG Approved broker calls you, already knowing your answers.
What are you borrowing for?
- Buy a homeFirst home, next home or investment
- RefinanceCheck your rate against the market
- Business financeCash flow, growth or a new premises
- Car loanNew, used, electric or novated
- Equipment financeVehicles, machinery and tools
- Personal loanRenovation or debt consolidation
About two minutes. Free, with no obligation. Your answers go to one YFG Approved broker, not a list.
- YFG Approved brokers only
- One broker, not a list
- Not owned by a bank or a lender
Andy McMaster, founder. More than a decade in the property industry, advising buyers and investors. Every broker here has spent over two hours with him first.
Three steps, and you sign nothing until you’re sure.
Your answers, in about two minutes
What you’re borrowing for and a few basics. No credit check at this step, no account.
One YFG Approved broker
A broker who has passed every check calls within one business day, already knowing your answers. You can pick a time that suits you.
You decide
They compare lenders on their panel and explain why an option suits you. There is no obligation, and if anything feels off, tell us.
About two minutes. Free, with no obligation to go ahead.
Why we check the broker before the rate
The rate on the sign is rarely the rate people pay, and a licence is only the start. Two numbers, from the people who keep them.
between the banks’ standard variable rate and what new borrowers actually pay.
The standard rate is 8.77%. The average new variable home loan is 6.23%. On a $600,000 loan over 30 years, that gap is about $1,040 a month. The price of a home loan is negotiated, and it depends on who is asking.
people banned or disqualified by ASIC from credit work.
176 of those bans are still in force. Rules catch people after the damage is done, which is why a licence is where our checks start, not where they end.
So we check the broker first.
Sources: Reserve Bank of Australia, statistical tables F5 (September 2026) and F6 (August 2026). ASIC Banned and Disqualified Persons register (credit), data.gov.au, 19 October 2026. Checked 21 October 2026.
Andy McMaster, founder. More than a decade in the property industry, advising buyers and investors. Every broker here has spent over two hours with him first.
“I got tired of seeing people get ripped off.”
So I built Your Finance Guide to be the benchmark.
I’ve spent more than a decade in the property industry, advising buyers and investors. Over that time I got tired of seeing people get ripped off: by lenders who let loyal customers drift onto worse rates, and by the people who were meant to be looking after them.
A home loan is make or break for a family trying to set themselves up. The right one gives you room to get ahead. The wrong one costs you for decades, and most people never find out.
I built Your Finance Guide to be a real benchmark in an industry that needs one. Before a broker hears from a single borrower, I spend over two hours with them, making sure they know their profession, know how to write loans and get people what they need. Then we check their references, their reviews and their accreditations.
It takes a lot of time. It’s meant to. If a broker doesn’t meet the standard, they don’t get your enquiry, and if they stop meeting it, they lose their place.
We don’t sell loans. We vet the people who do.
- More than a decade in the property industry
- Over two hours with every broker, one on one
- A founder you can name, not a call centre
Brokers earn the YFG approval. They can lose it.
A licence is the minimum, not the standard. Before a broker hears from a single borrower they pass six checks, and they have to keep passing them. It takes us hours per broker, and it’s meant to.
Paying us doesn’t buy approval. A broker who fails a check doesn’t get enquiries at any price.
The YFG Approved standard: six checks
Two hours with the founder
Andy spends over two hours with every broker: how they work, how they write loans and how they look after people. If they can’t show they know their profession, it ends there.
References checked
We speak to people who have worked with them, so we hear how they operate when nobody is selling.
Reviews read
We read what their clients say about them in public, the hard reviews as well as the good ones.
Licence and accreditations
Their Australian Credit Licence or credit representative number, looked up on ASIC’s register, membership of AFCA (the free complaints scheme) and their accreditations.
Held to our rules
Your enquiry goes to them alone, not to a list, and they call within one business day, already knowing your answers.
Answerable to you
If a broker doesn’t call, doesn’t explain your options or doesn’t treat you well, tell us. We follow up every report, and a broker who falls short loses their YFG approval.
“We check every broker. I spend over two hours with each one to make sure they understand their profession, know how to write loans and get people what they need.”Andy McMaster, founder
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. Read our Credit Guide.
Before you sign, know what you’re looking at
A good broker goes through an offer line by line, and explains why it suits you. This is what that conversation covers.
- Why the loan suits you, and for a home loan, in writing
- The comparison rate and every fee, not only the headline rate
- What leaving your current loan costs, and when a switch pays for itself
- What happens to the rate after any honeymoon or fixed period
- The features you actually use, like an offset or redraw
About two minutes. Free, with no obligation to go ahead.
Example Lender
Home loan offer
Offer valid for 30 days
- Loan amount$600,000
- Variable rate5.89% p.a.AskThe headline rate. Ask for the comparison rate too.
- Comparison rate*6.14% p.a.AskFees included. This is the one to compare.
- Package fee$395 a yearAskWorth it only if you use what it pays for.
- Offset accountIncludedAskFull offset, or partial?
- Cashback$3,000AskAny conditions if you leave early?
- Leaving your current lenderDischarge fee appliesAskWhat does switching cost, all in?
- Monthly repayment$3,555
An example offer. Not a real lender, rate or customer. Repayment is principal and interest over 30 years. *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.
Seven questions to ask any broker
Ours included. Take them to every broker you speak to, before you sign anything.
How many lenders are on your panel, and how many did you compare for me?
Two or three is not a comparison.
Why is this loan in my best interests? Can I have that in writing?
By law a mortgage broker has to work that out. Asking for it is fair.
How are you paid on this loan, and would another lender pay you differently?
Commission is normal. Being told about it is the test.
What is the comparison rate, and which fees make the difference?
What does leaving my current lender cost: discharge fees, break costs or a cashback clawback?
What happens to the rate when any honeymoon or fixed period ends?
Does the new loan keep what I use, like an offset account or redraw?
If they hesitate, ask why.
A good broker answers all seven without hesitating. Every YFG Approved broker expects to be asked.
Go at your own pace
No pressure and no sales calls. Read up on your loan, run the numbers, and come back when it feels right.
Free guides, with the numbers worked out
Real dollar examples and the trade-offs between your options, across 47 guides. No sign-up needed.
First home buyer guide 2026
Grants, schemes, how to build a deposit faster, and the order to do everything in.
How much can I borrow?
A quick borrowing power calculator. Lenders test your repayments at 3% above the rate you would pay, and so does this.
An estimate only, not a credit offer. It assumes a 6.20% rate (the RBA's average for new owner-occupier variable loans), tested at 9.20% (the APRA 3% buffer), over 30 years with principal and interest repayments.
News for borrowers
Rate decisions, lender changes and property data, with what each one means for your repayments. Every piece is dated and names its author.
Questions about getting matched
Can't see your question here? Read how we vet every broker, or tell us your situation and a YFG Approved broker will talk it through with you, free.
Find my YFG Approved brokerWhat does YFG Approved mean?
Every broker we introduce has spent over two hours one on one with our founder, Andy McMaster, showing they know their profession and how to write loans. We check their references, their client reviews and their accreditations, and look up their Australian Credit Licence or credit representative number on ASIC’s register; they are members of the Australian Financial Complaints Authority (AFCA). If a broker falls short, tell us: we follow up every report, and a broker who falls short loses their approval.
Will lots of brokers call me?
No. Your answers go to one YFG Approved broker, not a list, and they call within one business day, already knowing your answers. When you finish you can pick a time that suits you for the call.
Is it really free?
Yes, for you, always. Licensed brokers who meet our criteria pay us a partnership fee to receive enquiries from this site. You never pay us, and the fee is not added to your loan. Paying the fee does not buy approval: a broker has to pass every check first.
Are you tied to any bank, lender or insurer?
No. Your Finance Guide has no ownership ties to any bank, lender or insurer. Every broker partner is licensed under the National Credit Act, either holding an Australian Credit Licence or acting as a credit representative of a licensee.
Why only one broker? Why not show me five?
Comparison spam is exhausting. Our job is to know our brokers well enough that one introduction is the right one. If we get it wrong, we re-match, no charge, no awkwardness.
Who is behind Your Finance Guide?
Andy McMaster, who spent more than a decade in the property industry advising buyers and investors before building Your Finance Guide. The site is published by AM Marketing Group Pty Ltd (ABN 37 613 053 286). We are a finance education publisher: we don’t lend, and we don’t give credit advice.
What happens after I get matched?
Your broker calls within one business day, already knowing your answers. The first conversation is free. They compare lenders on their panel and explain why an option suits you, and you decide whether to go ahead. If anything feels off, tell us.
Check the broker. Then check the rate.
About two minutes, free, and nothing to sign until you’re sure.
What every match includes
- One YFG Approved broker, not a list
- A call within one business day, at a time you can pick
- Options compared across the broker’s lender panel
- No cost to you, and no obligation
- Your answers, so the first call starts with your options
- Someone to tell if anything goes wrong: us