# Manage Your Loans — Full Product Information

> Manage Your Loans is an award-winning Australian mortgage broking service. We help borrowers across Australia find the right home loan, refinance, or investment loan with expert guidance and competitive rates.

## Company Details
- Legal Name: Manage Your Loans Pty Ltd
- ABN: 34 652 442 790
- Credit Representative Number: 540988
- Licensed under: Home Mortgage Plus Pty Ltd ACN 105 991 839 (ACL 392200)
- Website: https://manageyourloans.com.au
- Phone: 0468 007 056
- Email: admin@manageyourloans.com.au
- Head Office: Level 1, 18-20 Knuckey St, Darwin NT 0800
- Data Residency: Australia (Sydney, australia-southeast1)

## Loan Types

### First Home Buyer Loans
Help first-time buyers navigate grants, stamp duty relief, and the home buying process. Government scheme guidance including state First Home Owner Grants, the NT HomeGrown Territory Grant (up to $50,000 for new homes, contracts to 30 September 2027) and the federal 5% Deposit Scheme (no income caps since 1 October 2025).
URL: https://manageyourloans.com.au/first-home-buyers

### Next Home / Upgrader Loans
For homeowners upgrading to their next property. Guidance on selling and buying simultaneously, bridging finance, and equity utilisation.
URL: https://manageyourloans.com.au/next-home

### Refinancing
Switch to a better rate or access equity. We compare 80+ lenders to find the right refinance option.
URL: https://manageyourloans.com.au/refinance

### Investment Property Loans
Loans for residential investment properties. Guidance on tax implications, rental yield considerations, and portfolio structuring.
URL: https://manageyourloans.com.au/investment-property

### Commercial Loans
Finance for commercial property purchases, business premises, and commercial developments.
URL: https://manageyourloans.com.au/commercial-loans

### Asset Finance
Equipment and vehicle finance for businesses. Chattel mortgages, leases, and hire purchase arrangements.
URL: https://manageyourloans.com.au/asset-finance

### Personal Loans
Unsecured and secured personal loans for various purposes.
URL: https://manageyourloans.com.au/personal-loans

### Car Loans
New and used car finance with competitive rates.
URL: https://manageyourloans.com.au/car-loans

## Costco Partnership
Exclusive loan solutions for Costco Executive Members in Australia. Members receive special rates and Costco Shop Card rewards on settled loans.
URL: https://costco.manageyourloans.com.au

### Costco Warehouse Locations Served
- Auburn NSW
- Casula NSW
- Marsden Park NSW
- Lake Macquarie NSW
- Ardeer VIC
- Epping VIC
- Ringwood VIC
- Moorabbin VIC
- North Lakes QLD
- Ipswich (Bundamba) QLD
- Gold Coast (Coomera) QLD
- Perth Airport WA
- Casuarina WA
- Canberra ACT
- Adelaide (Kilburn) SA

## Office Locations
- Darwin, NT (Head Office: Level 1, 18-20 Knuckey St, Darwin NT 0800)
- Melbourne, VIC
- Brisbane, QLD
- Sydney, NSW

We serve clients in every state and territory by phone and video. Our other city pages describe the local market; they do not imply an office in that city.

## Our Process
1. Initial consultation — understand your goals and financial situation
2. Research — compare options from our panel of lenders
3. Application — prepare and submit your loan application
4. Settlement — manage the process through to settlement
5. Ongoing support — regular rate reviews and portfolio management

## Technology & AndGo Ecosystem
Manage Your Loans is part of the AndGo platform ecosystem, using integrated Australian-built technology:

- **MyAndGo** (myandgo.com.au) — Central platform hub connecting all AndGo products
- **SignAndGo** (signandgo.com.au) — Australian eSignature platform for secure loan document signing. 100% Australian data residency.
- **ShareAndGo** (shareandgo.com.au) — Secure data rooms for sharing sensitive documents between brokers and clients
- **CRMandGo** (crmandgo.com.au) — Purpose-built CRM for mortgage brokers, managing client pipelines and compliance
- **BookAndGo** (bookandgo.com.au) — Online appointment booking for client consultations

All loan documents are signed securely via SignAndGo with complete Australian data residency. Client pipelines are managed through CRMandGo, and supporting documents are shared via ShareAndGo secure data rooms.

## Frequently Asked Questions

### How much can I borrow?
Your borrowing capacity depends on your income, expenses, existing debts, and the lender's criteria. Use our calculators at https://manageyourloans.com.au/calculators for an estimate, or call us for a personalised assessment.

### How long does the loan process take?
Typically 2-6 weeks from application to settlement, depending on the lender and complexity of your situation.

### Do you charge fees?
There is no cost to you, the borrower, for using an MYL broker. MYL is typically paid a commission by the lender when a loan settles. You are under no obligation to proceed after reviewing your options.

### What areas do you service?
We service all of Australia with offices in Darwin, Melbourne, Brisbane and Sydney.

### Are you a Costco partner?
Yes, we are the exclusive mortgage broking partner for Costco Australia. Executive Members receive special rates and Shop Card rewards. Visit https://costco.manageyourloans.com.au for details.

## Guides & Blog Content
- First Home Buyer Guide 2026: https://manageyourloans.com.au/blog/first-home-buyer-guide — Complete guide to buying your first home in Australia including grants, deposits, and the buying process.
- When to Refinance: https://manageyourloans.com.au/blog/when-to-refinance — Guide to refinancing timing, break-even analysis, and when switching lenders makes sense.
- Fixed vs Variable Rates Explained: https://manageyourloans.com.au/blog/fixed-vs-variable — Comparison of fixed and variable rate home loans including split loan options.
- How Much Can I Borrow: https://manageyourloans.com.au/blog/borrowing-power — Guide to understanding borrowing capacity, serviceability buffers, and income assessment.
- Mortgage Broker vs Bank: https://manageyourloans.com.au/blog/broker-vs-bank — Comparison of using a mortgage broker versus going directly to a bank.
- Costco Home Loans Guide: https://manageyourloans.com.au/blog/costco-home-loans-guide — Complete guide to exclusive Costco member home loan rates and Shop Card rewards.
- Technology & Integrations: https://manageyourloans.com.au/technology — Overview of the Australian-built technology powering the loan process.

## Compliance
- All advice is general in nature and has been prepared without taking into account individual objectives or financial needs
- Credit Representative 540988 is authorised under Home Mortgage Plus Pty Ltd ACN 105 991 839 (Australian Credit Licence 392200)
- Manage Your Loans Pty Ltd ABN 34 652 442 790