Melbourne Mortgage Broker — Oakleigh & Metro
Helping you secure the right-structured home loan, not just an approved one.
BYJ Finance Solutions is a boutique brokerage for first home buyers, investors, self-employed borrowers and complex lending scenarios — with a strategy built around your long-term goals, not just your next settlement.
About Us
Let your next move begin, structured properly.
With over ten years of experience, Jason Bai specialises in complex lending scenarios — multiple properties, companies, trusts and self-employed borrowers. Rather than simply finding a loan, BYJ Finance Solutions structures your finance around your long-term property and wealth objectives: lender selection, borrowing capacity, loan structure, cash flow and future investment plans, all considered together.
To make finance feel clear and manageable, not intimidating — keeping the process highly responsive and the language approachable, while still demonstrating real expertise behind every recommendation.
Trusted, recognised and professionally accredited.
We are committed to maintaining the highest professional standards within the mortgage broking industry, backed by recognised industry memberships and accreditations.
MFAA Member
Professional industry membership
Industry Accredited
Recognised professional standards
Why Choose Us
A personalised approach, not a call-centre process.
One broker, one point of contact, from your first enquiry through to years after settlement.
Structured for the Long Term
Every recommendation weighs your future borrowing plans, not just what gets this one loan approved.
Bilingual & Responsive
Direct access to Jason throughout, in English or Mandarin, with clear answers instead of jargon.
Complex Lending Expertise
Trusts, companies, multiple properties and self-employed income — scenarios many brokers turn away.
Our Services
Your goals, structured properly.
From your first home to your fourth investment property, the right advice changes with your situation.
First Home Buyer Loans
Clear, jargon-free guidance from pre-approval to key handover, including grants and schemes you may qualify for.
Get Started →SMSF Lending
Borrowing capacity and lender sequencing designed around your next property, not just this one.
Get Started →Refinancing
A review of your current loan structure to see whether a better rate, term or lender fits you now.
Get Started →Self-Employed Loans
Low-doc and alt-doc pathways for business owners whose income doesn't fit a standard payslip template.
Get Started →Trusts, Companies & Complex Structures
Lending structured around your asset protection and tax position — our specialty, not an afterthought.
Get Started →Portfolio Building
A staged strategy for serious investors growing a multi-property portfolio over several years.
Get Started →Track Record
Trusted by clients, driven by results.
Our Lending Panel
Backed by a broad panel of lenders.
Our Testimonials
What our clients say.
Mortgage Broker FAQs
Common questions, answered plainly.
What areas does BYJ Finance Solutions service?
The office is based in Oakleigh, and clients are served across Metropolitan Melbourne more broadly — there's no single suburb focus.
Do you only work with straightforward PAYG borrowers?
No — complex lending is a specialty, including self-employed borrowers, multiple properties, and loans structured through companies or trusts.
Is there a cost to use a mortgage broker?
In most cases brokers are paid a commission by the lender rather than charging the client directly. Your specific situation will be explained clearly during your consultation.
Do you speak Mandarin?
Yes — consultations can be conducted in English or Mandarin, whichever is more comfortable for you.
What types of lending doesn't BYJ take on?
Personal loans, credit card facility applications, and business cashflow-related credit enquiries fall outside the current scope — get in touch and we can point you in the right direction.
How do I get started?
Book a free, no-obligation consultation using the form below, or call directly. We'll talk through your situation before any paperwork begins.
We're just a phone call away.
Tell us a little about what you’re looking to do, and Jason will be in touch to arrange your free consultation.