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Baylend

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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.

15/10/2026

An important quote to remember in these times, smart investors are always looking for opportunities.

14/10/2026

🏡 Melbourne Property Market Update | October 2026

Is Melbourne becoming a buyer's market? 📉

With property prices down 6.2% over the past year, homes taking longer to sell, and buyers gaining more negotiating power, there could be some interesting opportunities emerging.

Looking ahead, Melbourne's population is projected to grow by almost 940,000 people over the next decade, potentially placing further pressure on housing supply.

💡 Thinking about buying, upgrading or investing? Understanding the market and your borrowing capacity could help you make the most of current conditions.

📲 Get in touch with the Baylend team to discuss your options.

Source: Cotality Monthly Housing Report, October 2026.

29/09/2026

The RBA has increased the cash rate target by 0.25 percentage points to 4.60%, as higher energy prices and ongoing business cost pressures keep inflation elevated. Despite easing consumer spending and a softer housing market, inflation remains stronger than expected. The Board has left the door open to further rate rises if needed to bring inflation back to target.

Have questions about what this could mean for your home loan? Get in touch with our team at Baylend for a chat.

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.

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.

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.

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.

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

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

http://www.baylend.com.au/

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