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Bay Finance Co - Luke Hunyadi

Updated 2026-08-01 · 5,295 reviewed · 601 listed · Scored from 30 Google reviews · How we rank ›

5.0(30) 87 composite score See reviews on Google ✓ Google-verified
Investment Property LoansCommercial & Business FinanceMortgage Broker
Bay Finance Co - Luke Hunyadi
Services
Investment Property Loans, Commercial & Business Finance, Mortgage Broker
Reviews
30

What recent reviews say

Every review across 30 is five-star. Clients consistently praise Luke and the team for persistence, clarity, and genuine care: they explain options plainly, work through obstacles (property title issues, multiple loan rejections, self-employment complexities), and make each client feel looked after. The team handles first-home buyers, small business owners, and investment scenarios with equal professionalism.

Praised for
  • goes above and beyond
  • clear communication
  • knowledgeable and experienced
  • makes complex process simple
  • treats clients as priority
responsive-communicationexplained-clearlywent-above-and-beyondknowledgeablepersonalised-serviceprofessional-and-honestsmooth-settlementgreat-for-first-home-buyersexcellent-for-self-employed
Best for: First-time buyers, self-employed applicants, and small business owners needing tailored loan solutions.

Strengths

  • solves hard cases (rejected by banks, complex titles)
  • explains clearly to first-time buyers
  • handles self-employed and small business scenarios
  • stays available and responsive

What reviews say by service

First Home Buyer Loans
Clients praise clear explanation of options and calm support through title delays and complexity.
self-employed-loans
Team successfully arranged loans for self-employed and small business owners rejected elsewhere.
Commercial & Business Finance
Secured vehicle and business finance quickly, liaising with dealers and lenders throughout.
Investment Property Loans
Handled investment property purchases smoothly; clients felt supported and guided.
Mortgage Broker
Consistent praise for knowledge, availability, and willingness to solve difficult cases.

How it compares

  • Rated 5 against a 4.96 average across the 321 investment property loans businesses listed here.
  • Has more Google reviews than 32% of the businesses in this directory.

How we scored this

How We Score
Star rating 98
Review volume 65
Review recency 100
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
30
4
0
3
0
2
0
1
0

Common questions

Can you help if I've been rejected by banks before?
Yes. Multiple clients report being told no by multiple banks before Bay Finance secured their loans.
Do you work with self-employed applicants?
Yes. The team has successfully arranged financing for self-employed business owners and navigates their documentation requirements.
How long does the process take?
Clients describe prompt sorting of finance; one client had vehicle finance arranged quickly during a business startup.

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First-time buyers and investors consistently praise Excel Mortgages for turning a complex process into something manageable. Staff keep clients informed at every step, explain options clearly, and secure competitive rates without the run-around of visiting multiple lenders. The team handles more than just loan approval: they assist with conveyancing, insurance, and agent negotiations. Clients feel supported rather than pressured, and settlement typically closes without delay. No complaints appear across the 17 reviews examined.

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Mortgage Choice - Harry Pal
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Mortgage Choice - Harry Pal

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Last updated 2026-08-01