Baylend

Baylend Bayside Mortgage Brokers specialising in home loans and property finance Talk to one of our friendly mortgage professionals today for an obligation free quote!

Baylend is a bayside business with mortgage brokers who specialise in home loans and property finance. We can help with refinancing home loans, pre-approvals, and even large commercial property transactions, our panel of lenders has over 40+ different lenders you know and trust so we can provide you with real options.

19/08/2026

Applying for a home loan does not need to feel overwhelming.

At Baylend, we keep the process simple, clear and guided from start to finish:

1. We start with a quick meeting to understand your income, expenses, borrowing capacity, savings position and whether you may be eligible for first home buyer schemes.

2. Nath reviews pricing and prepares a comparison report so you can see some of the options available to you.

3. When you are ready to move forward, Cate will invite you to our client portal, and help you through the onboarding process.

4. We then build and lodge your application, deal with the bank on your behalf, and keep you updated through to approval.

Our goal is to make home loans feel easier, more transparent and less stressful.

Thinking about buying, refinancing or investing? Apply with us and we’ll help guide you through the next steps.

RBA RATE UPDATE 📣 The RBA has held the cash rate steady at 4.35%, following three increases earlier this year. Inflation...
11/08/2026

RBA RATE UPDATE 📣

The RBA has held the cash rate steady at 4.35%, following three increases earlier this year. Inflation remains too high, and while higher rates are beginning to slow consumer spending and the housing market, the RBA has not ruled out further increases if inflationary pressures continue.

Wondering what this could mean for your home loan? Contact Baylend to review your current rate and explore your options.



General information only. Lending criteria, fees and charges may apply.

15/07/2026

🚨 Big changes are coming for SMSF residential property lending.
If you've been thinking about buying an investment property through your Self-Managed Super Fund (SMSF), now is the time to pay attention.
From 10 August 2026, new Limited Recourse Borrowing Arrangements (LRBAs) for purchasing residential property through an SMSF will no longer be available under the new legislation.
If you're planning to purchase before the deadline, there are several important steps to complete, including:
✔️ Confirming your borrowing capacity.
✔️ Establishing your SMSF and trust structure.
✔️ Opening your SMSF bank account.
✔️ Starting your superannuation rollover early, as this process can take time.
✔️ Sign the contract of sale prior to August 10th , 2026
The good news is that:
✅ Existing eligible SMSF residential loans are expected to be grandfathered.
✅ SMSF borrowing for commercial property remains available.
If buying property through your SMSF has been part of your investment strategy, don't leave your planning until the last minute.
📞 Contact the Baylend team today to discuss your lending options. We'll work alongside your accountant and licensed financial adviser to help you navigate the changes.
This information is general in nature and does not constitute financial, legal or tax advice. Individual circumstances differ, and you should seek advice from your licensed financial adviser and accountant before making any financial decisions.

Melbourne’s housing market is telling a different story to much of Australia. While national dwelling values are up 8.8%...
29/06/2026

Melbourne’s housing market is telling a different story to much of Australia.

While national dwelling values are up 8.8% over the year, Melbourne has only risen 0.5% and is down 2.3% over the past quarter. That puts Melbourne well behind faster-growing markets like Perth, Brisbane, Adelaide and Darwin.

For buyers, this softer market may create more opportunity and less urgency, especially compared with states where prices have continued to run hard. Melbourne’s relative affordability is also standing out, with the income needed to buy a median Melbourne house now lower than what’s needed for a lower-quartile house in Sydney or Brisbane.

From a lending perspective, though, borrowing capacity remains the key issue. Higher rates, serviceability buffers and household expenses are still limiting what many buyers can afford.

For existing owners, softer value growth may mean less equity growth compared with other states, which can affect refinancing, upgrading or investing plans.

The takeaway: Victoria may offer more breathing room than some other markets, but good lending strategy is still essential.

Melbourne Auction Snapshot – Week Ending May 31st 2026 This week saw 684 auctions with a 70% clearance rate. Top sales ...
02/06/2026

Melbourne Auction Snapshot – Week Ending May 31st 2026

This week saw 684 auctions with a 70% clearance rate.

Top sales came from Essendon and Strathmore, while buyers found value in Sydenham and South Morang.

The unit market remained steady at 71% clearance, with key activity in Fitzroy.

Swipe through for the full breakdown ->

27/05/2026

Inflation has fallen… but it’s not quite the full story.

Australia’s headline CPI has dropped from 4.6% to 4.2%, which sounds like good news.

But the trimmed mean — the inflation measure the RBA watches closely because it strips out the noisy price movements — actually increased from 3.3% to 3.4%.

In plain English: inflation is easing at the surface level, but the underlying pressure is still sticky.

So while this is a step in the right direction, it probably isn’t enough for the RBA to relax just yet.

Melbourne Auction Snapshot – Week Ending May 24th 2026 This week saw 596 auctions with a 71% clearance rate. Top sales...
25/05/2026

Melbourne Auction Snapshot – Week Ending May 24th 2026



This week saw 596 auctions with a 71% clearance rate.

Top sales came from Middle Park and Black Rock, while buyers found value in Kurunjang and Werribee.

The unit market remained steady at 75% clearance, with key activity in McKinnon.

Swipe through for the full breakdown ->



MelbourneHomes UnitMarket SuburbSnapshot

21/05/2026

Australia’s unemployment rate has jumped 0.2% to 4.5% in April, with 18,600 jobs lost this month. 📉

It’s quite sad to see so many jobs lost, and it highlights the growing pressure many households are facing right now.

This weaker labour market data could also ease pressure on the RBA and may cause them to rethink any further rate increases. 👀

For borrowers, this is another key sign that the rate cycle may be shifting.

19/05/2026

Macquarie Bank is already working on changes to their home loan serviceability calculations, which could reduce investment loan borrowing capacity for established investment properties purchased after May 12th.

Other major banks are also working on these changes, so sit tight for further announcements!

Melbourne’s property market is looking very different to the rest of Australia right now.While cities like Perth (+26%) ...
12/05/2026

Melbourne’s property market is looking very different to the rest of Australia right now.

While cities like Perth (+26%) and Brisbane (+19.7%) continue to surge, Melbourne dwelling values rose just +2.0% over the past year according to the latest Cotality Housing Chart Pack.

Interestingly, Melbourne values also remain below their 2022 peak - making it one of the few capital cities yet to fully recover. For some buyers, that may present opportunity in a market that’s become far less aggressive than Perth or Brisbane.

At the same time, investor activity is starting to lift again nationally as rental markets remain tight and yields improve slightly.

The Melbourne market may not be booming right now - but for strategic buyers, that could actually be the point.

Source: Cotality Monthly Housing Chart Pack, May 2026.

Address

Suite 105, 33 Ambrose Avenue
Melbourne, VIC
3192

Opening Hours

Monday 9am - 8pm
Tuesday 9am - 8pm
Wednesday 9am - 9pm
Thursday 9am - 8pm
Friday 9am - 5pm
Saturday 12pm - 3pm

Telephone

+61395153236

Website

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