Yard offers Australians a convenient transparent, method to get their home loan - and it's all done online.

Tired of seeing the loops and demands people had to make in negotiating what was already such a stressful journey, the team at Yard recognised a chance to make the home loan application fairer.

Working at Mizko Media at the time, we worked with the Yard team on crafting a brand, website and product that would be ready to launch the following year.

Late 2019
Take a look


There’s a lot of ways a home application can go, let’s map it all out

The first challenge was to map out all of the possible journeys an applicant could go on. The choice of refinancing or purchasing a home gives us 2 journeys. In each of those, whether the home is the one they are living in or own as an investment then becomes 4 possible journeys, and it goes on.

I couldn't move forward without mapping this out because I was afraid of something appearing later and then being shoved in (which sometimes happens anyway, but we should always try to minimise that).

This is only a part of the flow to paint the picture. Don't need a diagram taking up 80% of the case study do we?

Seeing the complete flow made it easier to bundle tasks together, which came to be the navigation in the wireframes. It also helped build a checklist of all screens needed to be designed, which gave us a better handle on projecting the timeline.


Finding a way to not overwhelm what’s already seen as an overwhelming task

In one of the simpler walkthroughs of the form, there were still over 50 interactions - typing in text fields and selecting radio buttons all included.
So we broke up the structure into two phases: the first phase would be a set of simple, straightforward questions any user with an interest in a home loan could go through. The second phase would be the rest of the form, with all the finer details that upon completing, would be the end of the journey.
Some wireframes from phase 1 of the form
And some wireframes from phase 2

Breaking the flow up into two phases achieves two important things:

It rewards the user early on in their experience. At the end of the first phase, they're presented with a summary of what they've completed - real information, their information. They can attach to what's in front of them, and so we ask for their name and email to save their progress if they'd like to continue. We've established a valued checkpoint for the user, and a contact point for Yard.

This flow also gives the user flexibility in their decision making. This checkpoint prompts them to consider their commitment to the application, hence the request for some personal details. Rather than slipping them into a lengthy application they're not ready to do and quit halfway in, they get some value from what they've done, and can stop if they like to.


A message of transparency, optimism and guarantee of a quality product

Through workshops with the Yard team and lots of exploration, we settled on a brand that’s honest, friendly and intelligent.
We wanted Yard to appear capable of handling the complexities of this journey, but also assure the user it would be transparent and fair, that any bit of stress was not needed.
The project was rounded out with a website that showcased the core elements of Yard, which I did with my classic take on websites - minimal, modern and filled with simple storytelling that just makes sense.


A design system clearly outlined, but can evolve and adapt where needed

Given the repetitive components in the form (text fields, checkboxes, buttons), I created all the symbols in Sketch so designs were consistent and easy to scale.
So, I drew out and defined every state of input fields, heading style, containers and navigation elements and all the rest of the things.
A breakdown of the loan set up, and the effect of it on their financials.
One of the questions in the first phase of the application form.
A few screens highlighting the handiness of the components (buttons and text fields galore!)


  • Yard launched in early 2019 with a competitive 2.91% variable rate and 2.94% comparison rate.


  • The planning of a project should match its complexity. The more we took a step back and laid out the possible iterations of any user's journey, the easier and more assured our decisions in design were.
  • In a life changing decision like this, empathy was critical. There were opportunities to make parts of the experience fast and snappy. But, it would have involved hiding actions, and tricking the user into doing 'just one more thing' which ended up being 10 - it was all too misleading. So instead, we made sure context for a user's progress and location in the form was always visible, as well as contacting Yard for help and/or leaving the application.

Yard is now live at yard.com.au