Hi, I'm Michael, founder of MJ Finance & Advisory.
I'm a mortgage broker, Quantity Surveyor and long-term property investor who believes finance should be a wealth-building tool, not just a transaction.
After years of building my own property portfolio and helping family and friends navigate lending decisions, I founded MJ Finance & Advisory to help more Australians use finance as a foundation for long-term wealth creation.
Over the past two decades, I've invested in Australian property while building my career in senior commercial roles across the mining, energy and construction sectors. Managing complex commercial projects taught me to analyse risk, negotiate outcomes and make decisions based on evidence rather than emotion. Building my own portfolio gave me first-hand experience of the challenges, opportunities and strategies involved in creating long-term wealth through real estate.
Together, these experiences shape the advice I give today. Every lending recommendation is made with long-term wealth creation in mind, not simply getting a loan approved.
As a Quantity Surveyor, I also understand how construction, property values and tax depreciation fit into the bigger financial picture. Combined with my lending and investing experience, this allows me to provide advice that goes beyond comparing interest rates or finding the cheapest loan.
I work primarily with professionals, business owners and property investors who want to build lasting wealth through real estate. Whether you're purchasing your first investment property, refinancing to unlock equity, or growing a portfolio of multiple properties, I focus on structuring your lending to support both your immediate objectives and your long-term financial goals.
Clients often tell me they're surprised by how much our conversations cover beyond mortgages. That's intentional. I believe the best finance strategy considers the entire picture, cash flow, tax efficiency, borrowing capacity, investment structure and future opportunities, not just today's loan.
My approach is strategic, analytical and transparent. I'll always explain the reasoning behind my recommendations, and I won't suggest a strategy unless I'd be comfortable using it myself.
If you're looking for someone who understands both lending and property investing from real-world experience, I'd welcome the opportunity to help you build your own wealth creation journey.
As a single income borrower, I wasn't sure whether buying an investment property was even possible. Michael first helped me refinance my home loan to a much more competitive interest rate, which immediately reduced my monthly repayments. He then showed me how I could access the equity in my home to fund the deposit and costs for my first investment property. Throughout the process, Michael was patient, responsive, and explained everything in a way that was easy to understand. I never felt rushed or pressured, and he was always available whenever I had questions. What I appreciated most was that he looked at my overall financial position and future goals, rather than just trying to arrange a loan. The whole experience was far less stressful than I expected, and I'm excited to have taken the first step in building my property portfolio. I highly recommend Michael to anyone looking for a broker who genuinely wants to help you achieve your financial goals.
Sally Tao
We'd spoken to a few mortgage brokers before meeting Michael, but none of them took the time to understand what we were actually trying to achieve. Michael asked about our long-term plans, explained different lending strategies, and showed us how we could use the equity in our home to keep growing our property portfolio without overextending ourselves. What impressed us most was that there was never any pressure. He took the time to answer every question, explained the pros and cons of each option in plain English, and made sure we were comfortable before moving forward. The whole process was smooth from start to finish, and we now have a much clearer strategy for building wealth through property. If you're after someone who genuinely cares about your financial future rather than just getting a loan approved, I'd have no hesitation recommending Michael.
Jianan and Zibo
Michael helped us completely change the way we approached property investing. He looked beyond just finding a loan and focused on creating the right structure to support our long-term wealth goals. His knowledge of lending, property investment, and the market gave us confidence in making important financial decisions. Michael explained everything clearly, provided honest advice, and always put our interests first. A broker who truly understands wealth creation, not just mortgages. Highly recommended for anyone looking to grow their property portfolio.
Shawn Shen
I originally contacted Michael for a mortgage, but ended up getting much more than that. He helped us use the cash in our offset account to pay down our principal home loan before refinancing and then released equity to purchase our first investment property. This meant we didn't need to use our own cash for the deposit, preserving the tax effectiveness of the investment debt structure. Michael also shared practical advice on selecting an investment property, including location, cash flow considerations, and long-term growth potential. The guidance was so valuable that I joked I owed him a $20,000 buyer's agent fee. If you're looking for a broker who understands both lending and property investing, Michael is the person to speak to. Professional, knowledgeable, and genuinely focused on helping clients build wealth.
Sue Murphy
Step 1: Initial Consultation
We start with a no-obligation conversation to understand your goals. Whether you are buying your first home, investing in property, or looking to refinance, we take the time to listen and learn what matters most to you.
Step 2: Fact Find and Assessment
We gather the key details about your financial situation, including your income, expenses, assets, and liabilities. This helps us build a clear picture of where you stand and what options are available to you.
Step 3: Research and Strategy
Using our panel of lenders and deep market knowledge, we research the most suitable finance options for your needs. We compare rates, fees, features, and loan structures to find the right fit, not just the cheapest rate.
Step 4: Recommendation and Presentation
We present our recommended solution in plain language. We walk you through the numbers, explain the terms, and answer any questions so you feel confident before moving forward.
Step 5: Application Preparation
Once you are happy to proceed, we prepare and package your application. We handle the paperwork, liaise with lenders, and make sure everything is submitted correctly the first time to avoid delays.
Step 6: Approval and Settlement
We manage the process through to formal approval and keep you updated every step of the way. We work closely with your real estate agent, conveyancer, or solicitor to make sure settlement goes smoothly.
Step 7: Ongoing Support
Our relationship does not end at settlement. We check in regularly to make sure your finance still works for you as your life and goals change. We are always here when you need us.
Michael and the team at MJ Finance and Advisory are ready to help you find the right lending solution. Book an appointment and take the next step with confidence.
Apply NowYes. MJ Finance and Advisory operates in accordance with Australian financial services and credit legislation. Mortgage brokers in Australia are required to hold an Australian Credit Licence or operate as a credit representative under an aggregator that holds such a licence. We are also bound by responsible lending obligations, which means we are required to make reasonable enquiries into your financial situation and ensure that any loan we recommend is not unsuitable for you. Additionally, we are members of an industry association and are required to meet ongoing professional development and compliance standards. You can have confidence that when you work with MJ Finance and Advisory, you are working with a professional who takes their obligations to clients seriously.
Yes, absolutely. Self-employed borrowers often face a different set of requirements when applying for finance compared to those who receive a regular salary. Lenders typically want to see evidence of consistent income over time, which may include tax returns, business financial statements, and notices of assessment from the Australian Taxation Office. At MJ Finance and Advisory, we have experience working with self-employed clients across a range of industries and understand the nuances involved in presenting a self-employed application in the strongest possible way. We will take the time to understand your business structure and income history so we can identify lenders whose criteria may be suited to your circumstances. Getting in touch early is always a good idea so we can plan accordingly.
In most cases, our mortgage broking services come at no direct cost to you as the borrower. This is because mortgage brokers are typically paid a commission by the lender once a loan settles. We are required by law to disclose any commissions or fees to you upfront, so you will always know exactly how we are remunerated before you proceed. In some circumstances, a fee may apply, and if that is the case, we will always be transparent about this from the outset. We believe you deserve to understand how the process works and how we are paid, so we make it a priority to have open and honest conversations about this with every client.
MJ Finance and Advisory assists clients with a broad range of lending needs. This includes home loans for owner-occupiers, investment property loans, refinancing existing loans, construction loans, and loans for self-employed borrowers. We also assist with commercial finance, equipment finance, and asset finance for business clients. Whether you are purchasing your first home, looking to grow a property portfolio, or seeking finance for your business, we can work with you to explore your options. Every client's situation is different, which is why we take a personalised approach rather than a one-size-fits-all solution. We encourage you to get in touch so we can understand what you are looking to achieve.
Coming prepared to your first appointment can help us get a clearer picture of your financial situation and make the most of your time together. Generally, it is helpful to have recent payslips or proof of income, your most recent tax returns if you are self-employed, bank statements from the past few months, details of any existing loans or debts, and a form of identification. If you are purchasing a property, any contracts or property details you have are also useful. Do not worry if you do not have everything ready straight away. Our first conversation is really about getting to know you and understanding your goals, and we can guide you on exactly what will be needed as we move forward.
When you go directly to a bank, you are only seeing what that one lender has to offer. At MJ Finance and Advisory, we have access to a wide panel of lenders, which means we can look across multiple options on your behalf. This gives you a broader view of what is available in the market rather than being limited to a single institution. We also work for you, not the lender. Our job is to understand your circumstances and help you find a loan structure that suits your situation. We are here to answer your questions, explain your options in plain language, and support you through what can be a significant financial decision.
Not at all. While MJ Finance and Advisory is based in Perth, we work with clients right across Western Australia and throughout Australia. Thanks to technology, we are able to meet with clients virtually, communicate via phone and email, and manage the entire process remotely if needed. Whether you are in regional WA, another state, or even overseas and looking to purchase property in Australia, we are well-equipped to assist you. We believe that where you live should not limit your access to quality finance and mortgage broking services, and we are committed to making the process as accessible as possible for all of our clients.
Refinancing means replacing your existing home loan or other loan with a new one, either with your current lender or a different one. People refinance for a variety of reasons, including wanting to access equity in their property, consolidate debts, change their loan structure, or simply review whether their current loan still suits their needs. Whether refinancing is worth considering depends entirely on your individual circumstances, including your current loan terms, your financial goals, and any costs involved in switching. At MJ Finance and Advisory, we can help you review your current situation and explain what refinancing could mean for you, without any pressure to make a decision. We recommend speaking with us before making any changes to your existing loan.
The timeline for a home loan application can vary depending on a number of factors, including the lender, the complexity of your financial situation, and how quickly documentation can be gathered and verified. In general terms, once a complete application is submitted to a lender, formal approval can take anywhere from a few days to a few weeks. At MJ Finance and Advisory, we work to keep the process moving as efficiently as possible by staying on top of your application and maintaining regular communication with the lender on your behalf. We will always keep you updated on where things are at and let you know if anything additional is required. Our goal is to make sure there are no unnecessary delays.
A mortgage broker acts as the go-between for you and a range of lenders, including banks, credit unions, and non-bank lenders. Rather than you having to approach each lender individually, a mortgage broker does the legwork on your behalf. At MJ Finance and Advisory, we take the time to understand your financial situation, your goals, and what you are hoping to achieve. From there, we research loan options across our panel of lenders and present you with options that may suit your needs. We also handle much of the paperwork and communication with lenders throughout the application process, keeping things moving and keeping you informed every step of the way.
