Specialist Mortgage Finance

You found us!
Small apartment finance is what we do.

We finance studio apartments
down to 30m².

Stop wasting time with general brokers and banks stuck on rigid 50m² size rules. We access specialist lenders who guarantee 80% LVR and simplify the approval process for your small, inner-city apartment.

We get it. You want to live in the city and be part of the city

You don’t need a backyard, the city is your backyard!

We access specialist lenders that can help you live where you want to live, rather than living in the  burbs because that’s where its affordable. We can help, contact us now to find out how.

The 50m² size snub

Your experience: You found the perfect CBD unit, only to have your loan instantly rejected because it was under the bank’s blanket minimum of 50m². It feels confusing and frustrating.

Our solution: We access lenders who guarantee finance for residential properties down to 30m². Your property is perfect; the bank’s rules are the problem.

Tough Deposit Demands

Your experience: You were told you need a huge 30% or 40% deposit because the property is ‘high risk.’ Now your dream is delayed for years while you scramble to save more cash.

Our solution: We eliminate the high-risk penalty, securing your finance at 80% LVR (20% deposit) through specialty funding partners. Keep your cash in your pocket.

Valuation Mistakes

Your Experience: General bank valuers often penalise small units, missing the high rental yield and true demand that makes them valuable assets.

Our Solution: We use valuers experienced in high-density markets, ensuring your property is assessed on its true inner-city demand and value, not just its floor area.

Proven results for our satisfied clients

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Epic Photos profile picture
Epic Photos
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Nicole and Bernie were absolutely wonderful in the way they managed our Home Loan. Application. They also introduced us to OwnHome lending for a deposit popup loan that saved up a lot of money compared to using LMI. We strongly recommend OwnHome!
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Nathan profile picture
Nathan
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We had an excellent experience working with Jeremy and Bernie who was incredibly responsive and supportive throughout the entire process. From our initial inquiry to the final approval, they were always available to answer questions, explain each step clearly, and ensure we felt confident in our decisions. Their attention to detail and commitment to keeping us informed made a typically stressful process feel smooth and manageable. We truly appreciated their professionalism and dedication, and we highly recommend their services to anyone looking for a reliable and knowledgeable mortgage broker.
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Bayahn Serhan profile picture
Bayahn Serhan
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Very friendly and helpful team
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Andrew Geeves profile picture
Andrew Geeves
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Exceptionally hard-working, open, friendly, efficient, and with great communication skills, the team at Your Loan Store go above and beyond to help find the best finance solution for you. They help make easily accessible information that might feel intimidating or exclusive in other hands, thereby empowering their customer to make informed decisions. Highly recommended. The only thing I’m sad about is that it’s not possible to give Your Loan Store more than five stars out of five.
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Fiona Powney profile picture
Fiona Powney
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Excellent experience, first time using a morgage broker. Could not have been any easier. The whole team were extremely helpful. Will be using them again.
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Sean Grogan profile picture
Sean Grogan
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Just a massive thanks to the ladies at your loan store. Bernie and Nicole made the process of securing a construction loan so easy especially the communication throughout the building process. Any questions were answered. Thanks again ladies.
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Elizabeth Currall profile picture
Elizabeth Currall
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Your Loan Store has been amazing. I worked with Anne and Bernie to secure my loan. They were very informative with choices and based on my personal circumstances assisted with which bank was better suited to me and my needs. I believe we found the perfect match and am very happy with the choice. The information gathering was easy as everything is done online so whilst I still had to get all my documents together they were easy to upload. Anne and Bernie made my big decision easy with their knowledge and ease of communication. I will definitely consult with Your Loan Store again for my next big life move. Thank you!
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Tony Trinder profile picture
Tony Trinder
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We can’t thank Bernie and Nicole at Your Loan Store enough for their incredible support and dedication! They worked tirelessly to achieve a fantastic outcome for us, going above and beyond at every step. No matter the time, they were always contactable and ready to assist with any questions or concerns. Their expertise and commitment made the entire process smooth and stress-free. Highly recommend Your Loan Store to anyone seeking exceptional service and results!

Don’t let a technicality cost you your dream home

You’ve done the hard work finding the right property. Let us do the hard work of solving the finance.

We’re the small apartment loan specialists — it’s what we do every single day.

Start your pre-approval

Your privacy is guaranteed. We focus on solving your loan, not selling your data.

Get in touch

Leave your details and one of our brokers will be in touch to answer your questions, discuss your goals, and guide you through your next steps.

Disclaimer

The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

  1. There may be occasions where you may be charged a fee by your broker. 

  2. Your broker is able to assess each lender’s approval times and identify those that can provide approval quickly, however this is subject to change and can vary significantly based on how complex is your loan application and how quickly you’re able to provide the information we need.

  3. Not all lenders are available to all brokers. The exact details of the lenders your broker has access to is disclosed within the Credit Guide your broker gives to you when providing credit assistance or is available upon request.

  4. The way in which your broker will stay in touch with you will differ, however typically this will be via email. In addition you will be able to contact them for guidance as required. You are able to opt out of these communications at any stage.