Bay Finance Co

Bay Finance Co Bay Finance Co is an Adelaide mortgage broker specialising in home loan reviews, refinancing, debt consolidation, debt recycling and investment loans.

We help you improve cash flow and structure your lending strategically. Book a free review below.

09/06/2026

Question time with Luke 🎤
SMSF is a hot topic these past few weeks - here are a few of our most commonly asked questions 💭

We have a few strategy intro calls left for this week - DM us SMSF if you want to grab yourself one 👌🏼

This information is general in nature and does not constitute personal or financial advice. Consider your personal circumstances and seek professional advice before making financial decisions.

If I had waited until I was perfectly ready to buy a house in Adelaide, I’d honestly still be renting.Too many people th...
04/06/2026

If I had waited until I was perfectly ready to buy a house in Adelaide, I’d honestly still be renting.
Too many people think they need to save a massive deposit and buy their forever home straight away. But my own property journey taught me that finding a small stepping stone is usually a much faster way to get where you want to go 🤲

It started for me with a tiny, unrenovated unit in Glenelg South for $210k. I only had $18k in savings, so I borrowed 95% just to get in the door. I even had to take out a personal loan right away to fix it up. It felt a bit daunting at the time, but the value jumped to $270k just a few months later.

I held onto that unit for six years. When the time was right, selling it unlocked the cash deposit I needed for the next step: a fixer-upper house in Glengowrie for $415k.

I took a massive gamble on that one... Borrowed 95% again and didn’t even have a pre-approval sorted before making the offer. As a mortgage broker today, I definitely look back and laugh because I would never let my clients do that now 🫠😂

But we did a major extension, the value skyrocketed, and that house became the bridge to where my family lives today 🎯

Neither of those places were my dream home, but I never would have made it to my current home without them. Moral of the story, is to stop waiting for the perfect market or the perfect property. Instead, just find your version of a stepping stone.

If you want to look at the numbers and see what your first step could look like, DM us 'START'.



This content is general in nature and does not constitute personal or financial advice. Please consider your own circumstances before making any financial decisions.

02/06/2026

The banks absolutely hate this strategy 💸
We recently helped a local couple negotiate their interest rate down by 0.5% on their $750,000 home loan. On paper, that instantly drops their interest costs by almost $4,000 every single year... But them choosing not to touch their monthly repayments is how they're beating the system.

Instead of pocketing the extra cash, they are keeping their repayments exactly where they are right now, and 100% of those savings go straight into wiping out the loan principal. That tiny 0.5% adjustment is now on track to shave nearly four full years off their mortgage and keep over $200,000 in lifetime interest out of the bank's pocket 💯

You don't need to change your lifestyle (or cancel out beers completely 😂) to become debt-free faster - you just need a smarter strategy with the baseline you already have.

It takes about 10 minutes for us to review a current loan structure and see if you’re overpaying. Drop us a message with your current interest rate, and we'll run the numbers to see how much time and money we can cut off your mortgage timeline.



This is not financial advice, and you should always consider your personal circumstances before making any financial decisions.

01/06/2026

It’s incredibly frustrating when your business is booming, but a bank tells you 'no' just because your latest paperwork isn't finalised. You don't have to wait two years for your paperwork to catch up to your reality.

With an Alternative-Document loan, we can verify your income using your recent business bank accounts, BAS statements, or a verified letter from your accountant. It's fast, the interest rates are highly competitive, and it's built for locals who are working hard to grow their business right now.

DM us if you'd like the checklist we use to get you approved.

27/05/2026

Quick question for the property investors out there... Would you rather buy an investment property 10 minutes down the road that grows by 3% a year, or one 3 states over that grows by 8%? 🧐

It sounds like a no-brainer, but so many people stick to their own backyard out of comfort.

When you’re investing, you’re looking for performance, pure and simple. If the best numbers are outside your suburb or outside SA, that’s where your money should go.

If the idea of buying interstate feels a bit stressful, it’s worth looking into a buyers agent. Yes, they charge a fee. But when you weigh that fee against the time saved and the better rental yield or growth they can negotiate for you? It often pays for itself.

Don't let proximity cap your wealth. Let’s get your borrowing power sorted so you can shop the best markets in the country.

What’s stopping you from investing interstate? Let us know in the comments 👇 or shoot us a message to chat about your investment goals.

25/05/2026

Think your SMSF property can double as a weekend holiday home? Think again! 🛑

Now that we’ve covered the fact that you can use your super to buy property, I wanted to show you a deeper look at the strict boundaries. The ATO does not play around - your super fund's property exists only to make you money for when you retire.

That means:
You can't buy a beach house and stay there for Christmas
You can't rent it out to your kids while they're at uni.
You can't buy a house from a family member.

It’s all about protecting your future. If you're curious about how it works for commercial property versus residential, or just want to chat about the basics, DM us. Always happy to help clear the confusion 👍

SMSF regulations are complex and subject to change. Always seek advice from a licensed financial adviser or the ATO.

21/05/2026

Thinking about using your super to buy property, but not sure whether to go commercial or residential? Here is the quick breakdown 👇

🏢 Commercial SMSF
Higher rental yields: Makes holding the property much easier on your cash flow.
The self-employed perk: Your own business can actually operate out of the property.

🏠 Residential SMSF
Cheaper entry point: Lower purchase prices mean you can get into the market sooner.
Less hassle: Simpler transactions and a massive pool of potential tenants (generally speaking).

Both are great options, but the rules around what you actually can and can't do inside an SMSF are pretty strict. Want to know more? DM us anytime.

Should we drop a video breaking down the exact dos and don'ts for both resi and commercial super buys? 💭

This info is general in nature and for educational purposes only. SMSF rules are strict, so always chat with your accountant or a licensed financial adviser before making any big moves with your super.

18/05/2026

Same suburb. Similar price point. Completely different results for your SMSF 🤯

Now that you know how an SMSF works, let's look at how to actually apply that strategy to the current South Australian market.

There are a few critical differences worth noting when looking at resi vs. commercial property inside your fund, and these two recent Glenelg sales prove it.

The Residential Route - A home in Glenelg North recently sold for $875,000. It rents for about $600 a week, netting the fund roughly $30,000 a year.
The Commercial Route - A commercial property on Nile Street sold for $827,000. It brings in closer to $40,000 a year. Plus, with commercial, the tenant typically pays the outgoings like council rates and building insurance.

When you look at the proximity of these two assets, the commercial option required less capital upfront, keeps ongoing costs lower, and delivers a much stronger cash-flow punch back into your super.

Both paths have unique advantages depending on your goals.

Later this week, we’ll dive into the specific benefits of each.

If you had the choice right now, would you opt for the stability of resi or the cash flow of commercial?

Want to grab a free call for this week?
https://tinyurl.com/4uhb9fwe

15/05/2026

You don’t always have to live in the first property you buy (and sometimes, this can actually be in your best interest!)🏡

A lot of first-time buyers I sit down with here in SA feel stuck because their borrowing capacity limits what they can buy to live in... But when we look at the numbers for an investment property instead, their budget often jumps up significantly.

Why?

Because the bank factors in the rental income the property will generate.

If you are happy staying at home with family or renting for a bit longer, rentvesting lets you get your foot on the property ladder years earlier than saving for a traditional home loan might allow.

Are you trying to buy your first property in Adelaide right now? DM us RENTVESTING if you want to see how the numbers work for your situation 💬

OR, book a free call here:
https://tinyurl.com/4uhb9fwe

A lot of Adelaide locals think they have to pack up and move away from the lifestyle they love just to buy a home... But...
13/05/2026

A lot of Adelaide locals think they have to pack up and move away from the lifestyle they love just to buy a home... But there is a secret strategy letting people beat the market right now. It is called Rentvesting.

The idea is simple: you rent where you want to live (near your favorite cafes, work, or the beach), and you buy an investment property where the capital growth is booming.

Here is the quick financial breakdown -
Smart money logic: You use your tenant's rent payments to help pay off your asset
Stop waiting: Delaying your purchase for 5 years just to save a massive dream home deposit is costing you THOUSANDS in lost equity
The SA advantage: you do not need millions. South Australia still has high-yield property pockets under $600k that make perfect investments

Property goals do not have to mean sacrificing your current lifestyle.

Let's see if this strategy works for you - book a free, casual call to discuss your options:
https://tinyurl.com/4uhb9fwe

If you have any questions, DM us RENTVESTING. We're here to help.

Address

22 Paringa Avenue
Somerton Park, SA
5044

Opening Hours

Monday 9:30am - 4pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 4pm
Saturday 9:30am - 11:30am

Telephone

+61424370107

Website

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