Mortgage Choice in Bayside

Mortgage Choice in Bayside Mortgage Choice in Bayside, Melbourne - offering home loans, refinances, car loans, asset finance, debt consolidation, construction loans.

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy. Here...
30/03/2026

Bridging loans can be a great option to secure your next move, but it’s important to go in with a clear strategy.

Here are the top tips to consider when applying for a bridging loan: ⬇️

Pay interest as you go: Some lenders let you add interest repayments to your 'peak debt' rather than paying interest during the loan period. While this can help with cash flow management, it also increases your loan balance each month (and you'll pay interest on that new, higher amount). Paying the interest as you go keeps your peak debt from growing.

Avoid LMI: Try to keep your 'end debt' under 80% of your new home's value to avoid paying Lender’s Mortgage Insurance (LMI).

Watch the clock: Bridging loans are short-term, usually 6 to 12 months. List your home as soon as you can to avoid exceeding the timeframe.

Talk to a Bayside broker (i.e. Me!): I can guide you through the bridging loan process. I’ll walk you through your options and help you power your next move with confidence.

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in...
26/03/2026

Rentvesting is a great option if you want to secure your place on the property ladder, but can’t afford to buy a home in the location or with the space you want.

There are pros and cons when it comes to this type of investment strategy. Here are a few to keep in mind:

Pros:
▪️ Enter the property market sooner
▪️ Live where you want to
▪️ Build equity and an income stream from your rental property
▪️Start building your investment portfolio.

CONS:
▪️ You’ll need to pay rent, plus any costs on the property you own but rent out
▪️ You’re not buying a house to live in
▪️ Rental rules will apply to the property you’re living in
▪️ Less certainty about your ability to stay in your rental property long term.

If you’re interested in rentvesting, there’s a lot to consider. I can work through the different options with you and help find the right investment loan for you, as I've done for many first time property buyers.

Talk to us today.

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with know...
24/03/2026

Buying a home can feel overwhelming, but getting ahead of the game can be easier than you think. It all starts with knowing what not to do.

Your 2026 home loan journey starts with a simple conversation. Get in touch with me today, as there's nothing I love more than helping and educating clients to understand the process for a better outcome.

The numbers speak for themselves – more Australians are choosing mortgage brokers for home loan support. At Mortgage Ch...
21/03/2026

The numbers speak for themselves – more Australians are choosing mortgage brokers for home loan support.

At Mortgage Choice in Bayside, we can access thousands of home loan options from our panel of more than 35 lenders, giving you more options, more choice and more potential savings.

We’ll take care of the research, paperwork and negotiations on your behalf to find a loan that will help you meet your financial goals.

Reach out today to get started on your home loan journey.

🚨 The RBA has increased the cash rate to 4.10%. 🚨 Don’t settle for a higher interest rate – we can explore your loan opt...
18/03/2026

🚨 The RBA has increased the cash rate to 4.10%. 🚨

Don’t settle for a higher interest rate – we can explore your loan options, including products like fixed-rate loans that could help you manage your repayments.
If you're needing to reduce your repayments, then we can also review options of Interest Only repayments for a period or even extending your loan term.

Plus, when you apply to refinance your home loan by 16 May, you’ll go into the running to win a monthly $5,000 prize, – giving you some much needed breathing room on your next mortgage repayment. T&Cs apply.

Reach out to schedule a home loan review today.

Introduced in October 2025, first home buyers in Australia can purchase a property with just a 5% deposit, no income cap...
16/03/2026

Introduced in October 2025, first home buyers in Australia can purchase a property with just a 5% deposit, no income caps, higher property price caps (depending on your location) and no LMI.

The key to your first home? It could be just a 5% deposit away.

Chat to us today to get started!

After its decision to raise the cash rate in February, all eyes return to the RBA for its second cash rate decision for ...
11/03/2026

After its decision to raise the cash rate in February, all eyes return to the RBA for its second cash rate decision for the year, which will be announced on 17 March.

Reach out to me to understand how this could affect your purchase and refinance plans.

Buy Now Pay Later (BNPL) services may be convenient, but did you know that lenders take them into consideration when ass...
06/03/2026

Buy Now Pay Later (BNPL) services may be convenient, but did you know that lenders take them into consideration when assessing your home loan eligibility?

Frequent BNPL enquiries in a short time frame can impact your overall credit score and ultimately your loan application.

If you’re worried that your BNPL spending or credit history will hold you back from home loan approval, our tailored solutions are here to help.

At Mortgage Choice, we have access to thousands of home loan products from more than 35 lenders, including a range of loan options exclusive to our customers.

Let's develop a strategy to put you on the path to home loan approval.

Are you ready to take your property investment portfolio to the next level? At Mortgage Choice, we can help both aspir...
03/03/2026

Are you ready to take your property investment portfolio to the next level?

At Mortgage Choice, we can help both aspiring and experienced property investors understand their investment loan options – comparing products from more than 35 lenders to find the right fit for you.

Let us handle the research, paperwork and lender negotiations while you focus on reaching your investment goals.

We also have access to a range of property investment specialists to help you towards finding the ideal investment property.

A bridging loan may sound complicated, but with the right product and a broker by your side, the process can be seamless...
26/02/2026

A bridging loan may sound complicated, but with the right product and a broker by your side, the process can be seamless and straightforward.

Here’s a simple breakdown of how a bridging loan works:

1. The bridging lender takes over your existing mortgage AND provides the finance you need to buy or build your new home. The total amount they lend you (including your existing mortgage) is called your ‘peak debt’.

2. You make interest-only repayments on the peak debt, or your lender may allow you to add the interest payments to your peak debt instead.

3. When you sell your property, the sale proceeds are deducted from your peak debt. Your bridging loan then converts to a standard home loan.

Talk to us today about using a bridging loan to power your next move.

Is this you? ✅ First home buyer ✅ 5% deposit saved ✅ Want to avoid Lender’s Mortgage Insurance With no income cap and ...
24/02/2026

Is this you?

✅ First home buyer
✅ 5% deposit saved
✅ Want to avoid Lender’s Mortgage Insurance

With no income cap and higher property price limits, the Government 5% Deposit Scheme could be your fast track to a place of your own. Reach out to us today and take the first step!

Review your home loan today to see if refinancing could save you money or provide access to better loan features. We ca...
20/02/2026

Review your home loan today to see if refinancing could save you money or provide access to better loan features.

We can compare thousands of loan options from over 35 lenders or negotiate a better rate with your current lender, ensuring you land the right loan for you.

Talk to us today.

Address

Melbourne, VIC

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61417163814

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