With over 25 years of experience in finance and accounting, David brings a wealth of expertise to Bayland Finance. Beginning his career as a Chartered Accountant, David worked with some of Melbourne’s most established and well-connected financial institutions before founding Bayland Finance in 2016.
A proud Mornington local for more than fifteen years, David established Bayland Finance to help his community access smarter lending solutions — from home and investment loans to commercial finance. His approach combines deep financial knowledge with genuine care for his clients’ long-term success.
Beyond the office, David is actively involved in the community, having served as a board member for Peninsula Leisure and on the Audit and Risk Committee for Frankston City Council. You’ll often find him at local sporting events, catching up with clients and friends, or out for a run along the Peninsula coastline.
David is known for his approachable nature and dedication to helping people find their financial footing. He takes pride in offering clear, practical guidance that empowers clients to make confident financial decisions.
David Fraser is an authorised credit representative (Credit Representative Number: 416601) of My Local Broker Pty Ltd (Australian Credit Licence Number: 481374).
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James Murray
Ben and his team at Bayland Finance were a pleasure to deal with. Answered every question we had and always kept us updated. Couldn’t recommended them any higher and will be happy to work with them in future.
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Sreekesh Karipal
We just had our home loan refinanced through Bayland finance and as always, we were provided with a top notch service. David and his team always goes the extra mile to help and support especially Ben with his calm and professional approach. Very reliable and timely, Bayland-“finance partner for families”
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Liam Trew
Mortgage Brokers are there to help you find the right loan whether it be from the major banks, smaller lenders or other sources. We have a broad range of products (more than any single lender can offer) which means we can do all the legwork to find the right loan for you.
Of course! We believe that we can find the best interest rate for you to refinance to, whether it's a Home Loan or Investment Loan.
How much you can borrow depends on a variety of factors, like your income, existing debts, how much you have in savings.
To get an idea, try our Borrowing Capacity Calculator
We love helping First Home Buyers! We're experts at the entire process and can help you get the right Home Loan. We're also across the various schemes to help First Home Buyers such as the First Home Owners Grant and the various stamp duty exemptions available.
We can help with Home and Investment Loans, Construction Loans, Car Loans, Personal Loans and much more. If you're looking to borrow to buy something, we can probably help.
We take look at a wide range of products available from Banks, Credit Unions & other lenders across the country. This means we can search thousands of products and make sure we're always recommending the best Home Loans for our clients.
The first step to knowing where you could be saving money is to see where you’re spending it. Seeing all your expenses in one place can help give you an idea of where you could be making savings. Our Mortgage Brokers can help you spot potential savings, get in touch today
All of our Mortgage Brokers are accredited and members of the Mortgage and Finance Association of Australia. They are extremely professional and provide exceptional service across a range of lending options.
You’ll need to consider factors like your current loan terms, interest rates, and remaining balance.
To estimate your potential savings and see if refinancing is a smart move for you, use our Loan Health Check Calculator.
The Trustee for Fraser Investment Trust ABN: 96 702 268 468. Credit Representative #416601 is authorised under Australian Credit License #481374.
Disclaimer: Your full financial situation and requirements need to be considered prior to any offer and acceptance of a loan product. The information contained in this website is of a general nature and does not take in to account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of Bayland Finance.
The guidance provided in posts and or comments by representatives of Bayland Finance on social media platforms should be considered as general advice. It has been prepared without considering your individual goals, financial circumstances, or requirements. Prior to acting on this guidance, it is essential to assess whether it aligns with your personal objectives, financial situation, and needs. If any products are mentioned in this presentation, it is advisable to procure a Product Disclosure Statement pertaining to these products and thoroughly review its contents before making any decisions.
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