YLS – Your Lending Solutions is a premium lending advisory firm that helps individuals, investors, and businesses secure tailored finance solutions across home loans, commercial lending, construction finance, and more.
FAQs
Frequently Asked Questions
Find answers to common questions about our lending services, process, and how YLS can help you achieve your financial goals.
General
Do you charge a fee for your services?
In most cases, our service is provided at no cost to you as we are compensated by the lender upon settlement. We will always be transparent about any applicable fees before proceeding.
What areas do you service?
YLS services clients nationally across Australia, with team members based in Sydney, Melbourne, and Brisbane.
Home Loans
Can you help first home buyers?
Absolutely. We specialise in guiding first home buyers through the entire process, including helping you understand available grants, schemes, and the most competitive lending options.
What deposit do I need for a home loan?
Typically, a 20% deposit avoids Lenders Mortgage Insurance (LMI). However, options are available from as little as 5% deposit depending on your circumstances.
Can I get pre-approved before finding a property?
Yes, and we highly recommend it. Pre-approval gives you confidence when making offers and helps you understand your borrowing capacity.
Investment & Commercial
Can I use equity in my existing property?
Yes. Leveraging existing equity is a common strategy for investment lending. We can assess your position and structure the most effective approach.
Do you help with commercial property purchases?
Yes. Our team has extensive experience in commercial lending including property acquisition, development finance, and business expansion loans.