About Us

Welcome to Manage Your Loans – where simplicity meets transparency in the vast world of finance. Our very essence is rooted in a profound commitment to empower our customers. We believe that the process of managing loans should not only be straightforward but also transparent, putting you firmly in the driver’s seat.

We’re challenging the status quo, tearing down the traditional barriers and convolutions of lending, and redefining it with a fresh, user-centric approach. Our mission: to simplify your loan journey, ensuring you have all the knowledge and support you need every step of the way.

Learn more about our vision for the future, and how we’re setting new standards in the industry.

Welcome to the Manage Your Loans family.

Our Mission

At Manage Your Loans, our mission is clear: to empower individuals and businesses to navigate the mortgage landscape with ease and confidence. We believe that mortgages should be a source of opportunity and financial well-being, and we’re committed to helping you make the most of them.

Our Journey

The story of Manage Your Loans is one of vision and commitment to your mortgage success. Founded by a team of experts who shared a passion for simplifying and enhancing the mortgage broking experience, we’ve since supported countless clients in achieving their mortgage objectives.

Our Values

Customer First

Your success is our top priority. We’re here to cater to your unique needs and help you navigate through the choices available.


We continuously innovate to stay at the forefront of mortgage broking solutions.


Our operations are built on transparency, ensuring you have clear, unbiased information to make informed mortgage decisions.


We’re committed to empowering you with the knowledge and tools to confidently navigate the world of mortgages.

Book an


You can get started now by completing a short form with your information. Let us know what you need, and we’ll get back to you to discuss your options.

Remember, reaching out to us comes with absolutely no obligation on your part, and our consultation is entirely free. We're here to provide guidance and clarity, ensuring you have all the tools you need to make an informed decision.

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    Our process


    Your Journey with Manage Your Loans: Simplified & Streamlined

    Embarking on a financial journey can be daunting, but at Manage Your Loans, we've crafted a straightforward 10-step process that places you, our valued customer, at the forefront:


    01. Begin with Trust: Start by signing our Credit Guide and Privacy Consent form, ensuring clarity and confidentiality.

    02. Share Your Story: Complete our Online Fact Find, giving us insights into your financial aspirations.

    03. Easy Uploads: Seamlessly upload all supporting documents via our secure platform.

    04. Strategise with Us: Schedule a broker appointment for an insightful Strategy Session tailor-made for your goals.

    05. Expert Recommendations: Your dedicated broker presents options best suited to your needs.

    06. Making It Official: Agree upon and sign the Credit Proposal, a step closer to making your financial dreams a reality.

    07. Application in Action: We submit your application, ensuring precision at every step.

    08. Celebrating Approvals: Relish the moment as your application gets the green light.

    09. Settlement and Success: Witness your application come to fruition as it settles.

    10. A Token of Appreciation: As a cherry on top, receive your Costco Shop Card*, our way of saying 'Thank You'.


    * All digital Costco Shop Cards will be issued via email from the Costco Services team at least 60 days after the loan settlement. To be eligible for a Costco Shop Card, a valid Costco Executive Membership must be provided. For full terms and conditions, including relevant Costco Shop Card amounts and eligibility requirements, please visit www.manageyourloans.com.au/costco/

    For full terms and conditions regarding Costco Shop Cards, please visit https://www.costco.com.au/costco-shop-card-TC


    How much does it cost to consult Manage Your Loans?

    There is no cost to you (the borrower) when taking on the services of an MYL broker. MYL typically earn a commission or fee from lenders for each successfully settled loan.

    You are under no obligation to take a loan after reviewing options nor is there any cost involved for our customers.

    How long does the loan approval process take?

    It depends on the type of loan. For instance, home and car loans typically require collateral, while personal loans may be unsecured. Our loan representatives can provide specific information based on your chosen loan type.

    What documents do I need to provide to the broker?

    The specific documents required can vary based on the type of loan you're seeking and your individual circumstances. However, typically, for a mortgage, you'll be asked to provide the following:

    1. Proof of Identity: Photographic ID such as a driver's license, passport, or any other government-issued ID.
    2. Proof of Income: Recent pay slips (usually the last 2-3 months), tax returns, and possibly a letter from your employer detailing your employment status and income.
    3. Proof of Savings: Bank statements or passbooks showing consistent savings over a minimum period, typically 3-6 months.
    4. Details of Current Debts: Statements from credit cards, existing loans, and other debts.
    5. Proof of Current Living Expenses: This can include utility bills, rent receipts, or mortgage statements.
    6. Credit History Report: While brokers often access this on your behalf, it's good to have a personal copy for reference.
    7. Details of Assets: Information on properties, vehicles, investments, and other valuable assets you own.
    8. For Self-Employed Applicants: Business financial statements, business registration documents, and GST returns, among others.
    9. Proof of Deposit: If you've already made a deposit on a property or a purchase, you might be required to show evidence of this payment.
    10. Property Details: If you're seeking a mortgage or refinancing, you'll need to provide details about the property, including recent tax assessments, property details, or a purchase agreement.
    How is my personal information protected with a broker?

    At Manage Your Loans, the protection of your personal information is our utmost priority. We use advanced encryption techniques to ensure that the information you share with us electronically is safeguarded. This means that any data sent between you and our brokers is encoded and can only be deciphered by our secured system.

    Only authorised personnel within our organisation have access to your data, and this access is strictly controlled and monitored. We provide regular training to our brokers and staff about the importance of maintaining data confidentiality.

    We retain your personal data only for as long as it is necessary to provide you with our brokerage services, and for legal, regulatory, and legitimate business purposes. Once it's no longer needed, we securely destroy or anonymize it.

    You have the right to know what personal information we hold about you and how it's used. If you have any concerns, you can request access to your data.

    We only work with partners and third-party service providers who uphold the same stringent data protection standards as we do.

    Always remember, while we take every step to protect your information, it's also essential to be vigilant when sharing personal details. Never share personal or financial information through unsecured channels or with unknown third parties. If you have any doubts or concerns about data protection, please do not hesitate to contact us.

    Are the interest rates offered through a broker competitive?

    Absolutely! At Manage Your Loans, our brokers have access to a broad range of lenders and loan products. We collaborate with numerous lenders, from major banks to smaller credit institutions. This breadth of choice allows us to find competitive rates tailored to your specific needs.

    Rather than a one-size-fits-all rate, our brokers work diligently to understand your unique financial situation, goals, and preferences. This ensures that we can source rates that are not only competitive but also aligned with your long-term objectives.

    With our industry knowledge and relationships, our brokers have the leverage to negotiate better rates on behalf of our clients.

    We provide a clear breakdown of the rates, allowing you to compare and understand how they stack up against other offerings in the market.

    While interest rates are a crucial factor, they are just one component of a loan. Our brokers also take into account other loan features, fees, and your broader financial picture to ensure you're getting a loan that's truly the best fit for you.

    If you have questions or would like more insights into current rates, please don't hesitate to reach out to us.

    For smarter financing

    talk to one of our brokers