Bayside Mortgage Broker · Free Rate Check

Bayside's local mortgage broker. Honest rate reviews, no pressure.

Banks reward new customers, not loyal ones. Get a free home loan rate check from a real local Bayside broker, and find out in minutes whether you're still on a fair deal.

Get My Free Rate Check → Call Simon

2-Minute Form

Send your details, hear back within 24 hours.

Simon will review your loan personally. No call centres, no spam.

Your name Please enter your name

Mobile number Please enter a valid Australian mobile (e.g. 0411 224 445)

Email Please enter a valid email address

Current lender (optional)

Current rate % (optional)

Approx. loan balance (optional)

Your details stay private. Simon will personally review and contact you within 24 hours. No spam, no call centres, no obligation.

✓

Thanks, you're all set.

Simon will be in touch within 24 hours.

What happens next: 1. Simon personally reviews your loan position
2. Simon will be in touch within 24 hours.
3. You get a clear, honest answer on whether refinancing makes sense

Why Bayside Homeowners Get A Rate Check

Loyal customers often pay more.

Banks offer their sharpest rates to attract new customers, while existing borrowers stay quietly on older, higher rates. A 5-minute review with a local Bayside broker can tell you exactly where you stand.

📊

Is your rate competitive?

Compare what you're paying now against current market rates across 40+ lenders. We'll tell you straight.

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Could you reduce repayments?

Even a 0.5% rate drop on a $500k loan saves around $3,000 a year. Sometimes the saving is bigger.

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Can your bank do better?

A rate review can prompt your existing lender to sharpen their pricing — sometimes no switching needed.

How It Works

Three steps. No pressure.

The whole point of the review is to give you a clearer answer. If refinancing isn't worth it, Simon will tell you that too.

Send your details

Just your name, mobile and (optionally) your current rate and lender. Takes 2 minutes.

Simon reviews

He'll personally compare your loan against current market options from 40+ lenders.

You get a clear answer

Honest feedback on whether refinancing, negotiating, or staying put is the smart move.

⚓ Sandringham, VIC

Meet Simon Smith.

"My job isn't to push Bayside homeowners into a new loan. It's to give you a clear answer on whether you actually need one."

Simon has spent 25+ years helping Australian homeowners navigate home loans, refinancing, and investment property finance. Through Lending Australia, based at the Bayside Home Loan Centre on Beach Road in Sandringham, he works directly with local Bayside families — no call centres, no lead farms, no juniors handing your file around.

As an independent broker accredited with 40+ lenders, Simon can give you a genuine read on the market rather than pushing one bank's product. And if your current rate is already fair, he'll tell you that too.

✓ MFAA Accredited

★ 25+ Years Experience

⚓ Local Bayside Broker

Servicing Bayside

Local broker for every Bayside suburb.

Based on Beach Road in Sandringham — within easy reach of every Bayside suburb. Most consultations happen by phone or video, so location is never a barrier.

Brighton

3186

Brighton East

3187

Hampton

3188

Hampton East

3188

Sandringham

3191

Black Rock

3193

Beaumaris

3193

Cheltenham

3192

Common Refinance Reasons

Five reasons Bayside homeowners review their loan.

Refinancing isn't always the answer — but the review almost always reveals something worth acting on.

Lower interest rate

Banks rarely move loyal customers to their best rates automatically. A review checks if you're still on a fair deal.

Reduce repayments

A better rate or restructure can free up real cash flow — often hundreds a month, sometimes more.

Access equity

Use built-up equity for renovations, investment, or other planned moves.

Consolidate debt

Roll higher-interest debt into your home loan to simplify repayments and save interest.

Fixed rate ending

Coming off a fixed period? Don't get auto-rolled onto an uncompetitive rate. Compare first.

Better features

Offset, redraw, or a better structure can matter as much as the headline rate.

Local & Independent

Based in Sandringham.
Helping homeowners across Bayside.

Lending Australia operates from the Bayside Home Loan Centre on Beach Road, Sandringham — just minutes from Brighton, Hampton, Black Rock and Beaumaris.

If you'd rather deal with a real local broker than a call centre or online lead farm, you can speak directly with Simon — same number, same person, every time.

Lending Australia · Bayside Home Loan Centre

📍 Beach Road, Sandringham VIC

📞 0411 224 445

✉ simon@sshl.com.au

Common Questions

The questions most people ask.

No. The rate review is completely free with no obligation to proceed. If you do choose to refinance through us, our service is paid by the lender — not you — same as most mortgage brokers in Australia.

No, and Simon will tell you when it's not worth it. There can be exit fees, application costs, or your existing loan might already be competitive. The point of the review is to give you a clear picture — not to push you into anything.

No. The first step is just reviewing your current position. Nothing happens with your lender unless you decide to proceed.

To start, just your name, mobile and email. If you have your current rate, lender, and loan balance handy, that speeds things up — but it's not required to get started.

No. Most Bayside clients prefer phone or video consultations - they're faster and you don't need to take time off. Simon is available in-office at Beach Road Sandringham if you'd prefer to meet in person.

Yes. Simon reviews both owner-occupied and investment property loans, including loan splits, offset structures, and equity access.