Jason Bai - BYJ Finance Solutions

Jason Bai - BYJ Finance Solutions On January 2021, moving onto establishing my own finance brokerage company and brand as BYJ Finance Solutions with growing team of lending specialists.

Beyond Everyday Home Loans, We’re An Award-Winning Boutique Finance Brokerage Specialising In：
• Serious Investors/Portfolio Builders
• Home Upgraders
• Self-Employers Initially transitioned from hospitality professional to the field of financial services, with 4 years directorship experience of property development company in between, then followed by 3 years mortgage brokering experience with Au

ssie Home Loan. Our value for customer is to provide them with home loan and finance product that suits their own personal and financial needs by assessing their financial situation thoroughly and holistically, turning their task of finding the right product into a rewarding experience by providing streamlined services to ensure the smoothness and efficiency throughout the whole process.

25/08/2026

How much can you borrow after Budget Night?

19/08/2026
Great catching up with William Xin, founder of Xin Mortgage, for the second time in recent months.While views across the...
11/08/2026

Great catching up with William Xin, founder of Xin Mortgage, for the second time in recent months.

While views across the industry may differ on what lies ahead following the recent tax changes, one thing we can probably all agree on is the importance of continuing to identify the overlooked pain points and evolving needs of our clients.

Looking at the brokerage industry more broadly, I believe it is unlikely to remain highly fragmented in the long run. Resources, capabilities and market share will likely continue to consolidate around aggregators, mortgage managers and larger brokerages.

Plenty of valuable insights from the conversation.

Always learning from the best!

10/07/2026

ANZ has suspended its Simpler Switch policy, but does that mean easy refinancing has disappeared?

Not necessarily.

Every lender has a different credit policy, and what isn’t possible with one lender may still be achievable with another.

If your income has become more complex or you’ve been told refinancing is difficult, it may be worth exploring your options.

Feel free to reach out for an obligation-free chat

Recent Approval CaseCouple running a tyre retail businessNet income close to $1M per yearBut—Heavy tax pressureATO debt ...
15/04/2026

Recent Approval Case
Couple running a tyre retail business
Net income close to $1M per year
But—
Heavy tax pressure
ATO debt close to $200K
Just got into high-interest ATO payment plan
Business also impacted by the current economy
👉 When they came to me, they were already in defensive mode
________________________________________
What I did:
✔ Extended their remaining home loan from 20 → 30 years
✔ Refinance and cleared ~$200K ATO debt
✔ Released an extra $100K cash for business expansion
________________________________________
Result:
📌 Total approval: ~$770K
📌 Rate: 7.54% (well below ATO interest)
📌 Significantly improved cash flow
📌 From submission to approval: 3 days

26/03/2026





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Melbourne, VIC

Opening Hours

Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 6pm
Saturday 9am - 3pm

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