Bayland Finance

03/11/2026

Going through a separation is hard enough without wondering if you'll get to keep the family home.

One of our clients, self-employed and newly separated, needed to refinance and take over his home loan solo. There was just one hurdle: a car loan was cutting into his borrowing capacity, and his current lender wouldn't budge.

We looked closer at how that car loan was actually being used. It turned out to be a genuine business expense, not just a personal one. We found a lender willing to assess it that way, rather than counting it twice.

The result? He took over the loan in his own name and kept the house.

Every lending scenario is different. Contact Bayland Finance to explore what may be possible for you: https://bit.ly/4h61oPR

02/11/2026

Thank you so much for your lovely review. We're really happy to hear Ben made everything so easy and that your refinance came together so quickly. He genuinely cares about getting great outcomes for our clients, so it’s wonderful to see that come through for you. We really appreciate clients like you and the trust you place in us.

If you're thinking about reviewing your home loan or exploring your options, our team is always here for a chat: https://baylandfinance.com.au/book-appointment/?utm_campaign=meetedgar&utm_medium=social&utm_source=meetedgar.com

02/11/2026

Buying a home with little or no deposit is within reach through the Australian Government 5% Deposit Scheme or by using equity from an existing property.

• The 5% Deposit Scheme allows you to purchase with just 5% saved, avoiding Lenders Mortgage Insurance through a government guarantee
• Single parents can enter with as little as a 2% deposit under the same scheme
• Property price cap for Safety Beach is $950,000 for both purchase price and lender valuation
• If you already own property, you may be able to borrow against existing equity without needing a cash deposit
• Lenders still assess your income, expenses, credit history, and serviceability even with a low deposit

Call one of our team or book an appointment at a time that works for you. We work with buyers to structure loans that suit your deposit position and long-term plans.

https://bit.ly/4BEucXq

Buying a home in Safety Beach with no deposit is possible through the Australian Government 5% Deposit Scheme or by using equity from an existing property.

02/11/2026

Got a 5% deposit saved?

The 5% Deposit Scheme may let first home buyers borrow up to 95% of a property's value without paying LMI, which is a one-off cost that can run into the thousands. There are now no income caps or limited places. You just need to be aware of the property price caps where you're buying.

If you'd like to know more, get in touch https://bit.ly/4qmMl5X or have a look at our website: https://bit.ly/4i391oh

30/10/2026

You use equity in your home to buy an investment property. A few years later, you go to sell one of them and find you need the lender’s sign-off first.

That’s cross-securitisation: one loan secured by more than one property. It’s common, and it can make selling, refinancing or restructuring much fiddlier than it needs to be.

Keeping each property on its own loan usually leaves you more room to move. Not every lender allows it in every situation, so the structure is worth sorting before you apply, not after.

Our blog explains how loans fit together across a second, third, and fourth property. If you’re planning your next one, you’re welcome to book a chat.

https://bit.ly/4sB9iV9

How Rosebud investors structure borrowing to acquire multiple investment properties, including equity release, loan structuring, and managing portfolio serviceability.

29/10/2026

Most people look at their home loan the week after a rate rise. The better time is the week before.

The RBA lifted the cash rate in late September, its fourth rise this year, and said it's prepared to go further if needed. The board meets again on 3 November.

Five things worth checking now:

1. Your structure. Does it still suit your plans?
2. Your repayments. Would another rise sit comfortably in your budget?
3. Your buffer. Could you cover an unexpected bill too?
4. Your offset. Is it actually reducing your interest?
5. Your rate. Is it still competitive?

If you'd like a second set of eyes, book a home loan health check with me, and we'll go through all five together: https://bit.ly/4qmMl5X

David Fraser, Senior Broker, Bayland Finance

29/10/2026

Not all investment properties do the same job.

Cash flow properties lean on rental income to cover costs. Capital growth properties focus on increasing in value over time.

The right mix depends on your goals and your strategy. Learn more at https://bit.ly/4i391oh or get in touch https://bit.ly/4qmMl5X

29/10/2026

Here's something many self-employed borrowers don't know: lenders often add back certain expenses to your income when working out what you can borrow.

Things like depreciation, extra super contributions, and some one-off costs reduce your taxable income on paper but don't reflect your real cash flow.

Applied correctly, add-backs can lift your borrowing capacity noticeably. The catch? Every lender treats them differently. Knowing which lender recognises which add-backs can be the difference between yes and no.

Curious what your figures really look like to a lender? Let's take a look together: https://bit.ly/4qmMl5X

28/10/2026

Refinancing to reduce your monthly mortgage payments can free up hundreds of dollars each month without changing how you live.

Many homeowners are paying rates well above what the market offers, simply because their lender has not adjusted their rate downward.

Key points to consider:
- A rate reduction of 0.50% to 1.00% can lower monthly repayments by $150 to $300 or more on a typical loan
- Refinancing to a loan term that matches your remaining term reduces repayments without extending your debt
- Make sure the new loan includes features you rely on, like offset accounts or flexible repayment options
- Refinancing after a fixed rate period ends avoids break costs and gives access to current lower rates

Call Bayland Finance or book an appointment to review your current loan and see exactly how much you could reduce your monthly repayments.

https://bit.ly/4iaU9q4

How Somerville homeowners can refinance to reduce monthly mortgage payments without extending their loan term or losing features like offset accounts.

27/10/2026

Found the perfect upsized family home in Mt Martha, but your bank says you can't buy until you sell? That's exactly where Callum found himself.

He'd spotted a larger home in a great school catchment, priced right after recent market movement. His bank said no; he couldn't hold both properties at once. But the seller wanted a finance solution locked in before negotiating.

We reviewed his full financial position and identified several bridging finance options, giving him up to 12 months to sell his existing home while settling into the new one and landing on a loan structure that stayed affordable long-term.

Callum's family is now settled into their new home, close to schools and shops, with a clear plan for the sale ahead.

If you'd like clarity around your own options, contact Bayland Finance for trusted expertise and guidance: https://bit.ly/4qmMl5X.