James Michael - Finance Broker

13/01/2026

Client Success Story: How I Saved My Clients $16,000 💫

This year, I’m excited to start sharing regular success stories from clients I’ve been able to help. Recently, I worked with a married couple who were looking to purchase a new home to live in while converting their current property into an investment.

When they approached their existing Big 4 bank, they were told they would need to pay around $16,000 in Lender’s Mortgage Insurance (LMI) to make the move possible.

By taking a strategic approach and using two different lenders, I was able to help them avoid LMI entirely.

Here’s how 👇

▪️Loan 1 – Refinance the Existing Property
Refinance their current home loan up to 80% LVR with a lender who provided a higher property valuation than their existing bank. They also refinanced onto a lower interest rate!

This unlocked additional usable equity/cash to contribute towards the new purchase.

▪️Loan 2 – Purchase the New Home
Use the cash‑out from the refinance as the deposit for their new home. Secure the new loan with another lender offering an LMI waiver up to 90% LVR for OO Lending.

The Result 🙌

This structure allowed the clients to:

✅ Avoid paying $16,000 in LMI premiums
✅Refinance their current loan onto a lower interest rate
✅ Purchase their new home sooner without needing to spend months continuing to save the 20% deposit + costs
✅ Move forward confidently with both their new home and investment strategy prior to Christmas

If you (or someone you know) want to review your finance structure or plan to buy in 2026, Send a DM and let’s chat through your options 👏

📞 0428 733 944
📧 [email protected]

05/01/2026

12 weeks in. 26 applications lodged. $21M approved. 10 Lenders Used. 🚀

What I’m most proud of isn’t the volume. It is the number of different lenders used-to-date and the types of scenarios that have been approved.

Every application has been assessed on a case‑by‑case basis. By taking the time to understand our clients’ needs, we’re able to deliver tailored lending solutions that truly support their goals. This speaks to what we stand for at Finer Finance:

✅ Real choice
✅ Real transparency
✅ Optimal value to our clients

This is only the beginning. I’m excited to continue helping everyday Aussies move toward a finer financial future in 2026.

If you or someone you know is wanting to discuss their current and future finance needs, reach out today. I’d love to help. 🤗

📞 0428 733 944
✉️ [email protected]

06/10/2025

Hey Everyone,

I have an exciting update to share!

After more than 10 years working across two of Australia’s largest banks (BOQ and CBA), I’m thrilled to announce the launch of my own finance broker company - Finer Finance.

Over the years, I’ve had the privilege of guiding clients through some of life’s biggest milestones - from purchasing their first home to navigating complex lending solutions. Thank you to everyone who has trusted me along the way.

As a finance broker, I can now offer truly tailored solutions - matching each client’s unique needs with the most suitable loan products on the market.

My mission remains the same: to listen to your needs, understand your aspirations, and support you every step of the way. Because your financial future shouldn’t be “just fine” - it should be finer.

If you or someone you know is seeking finance guidance, I’d love to help.

📱 0428 733 944
✉️ [email protected]

Finance, made finer.

30/05/2022

4 Reason to Refinance in 2022:

1. Protect yourself against an Interest Rate Rise 📈
2. Take advantage of recent Price Growth ⬆️🏠
3. Tap into Financial Incentives to make Extra Savings 💰
4. Unlock funds for Value-Adding Renovations 🔨

Call me today to discuss your refinance options 👉 0428 733 944.

https://www.realestate.com.au/news/4-reasons-to-refinance-in-2022/?rsf=ps%3Afacebook%3Aspon%3Anpbs%3Aart2&fbclid=IwAR0ByoIgsbs-KbqNxqvjN2jy53w5Xm6_dVE4J3KnAtpbYAIE9zDTCDbduOI_aem_Ae7rL2BNOm0Vrq4qrnOgyzHyo5O5XnaJcQJT5OLFogp8BgpG48EEmmTMkBK9339iM5MBhlFyBFHv1aoHGp-uw7rTqcmtzY90JrDj1Ktd4pC_askULLepq6wlgLLj6MtYrdk

A lot can change over the life of your home loan — it's always worth asking if your current home loan is right for you.

18/05/2022

Client Experience 🙌

A few recent reviews from customers i have recently assisted their finance needs.

11/02/2022

Happy Friday! 🤗

Congratulations to Ionnis & Emma who recently bought their first home together. If you are in the market to buy your first home or wanting to find out more information about the finance process, call me today on 0428 733 944 to book your appointment.

Enjoy the weekend ☀️
James

10/02/2022

Another Client Review 👏👏👏

Recently i helped M’Lyse and John finance their construction costs to build their dream home. If you are thinking of building a new home or looking to do a substantial renovation of your existing property, call me today on 0428 733 944 to discuss your options.

🏡 💰

18/01/2022

What a busy start 2022 has been! Recently i assisted a lovely couple purchase their first home together. It was a thoroughly rewarding process from the start to finish.

If you are in the market to purchase your first home or are wanting to know more information on how to apply for a home loan, reach out to me today 👉 0428 733 944 📞

21/12/2021

⭐️⭐️⭐️⭐️⭐️

I have been fortunate to assist Jordan and his partner twice this year with their lending needs.

It is highly fulfilling to receive such positive feedback from all my clients.

09/12/2021

The Christmas period always proves to be an expensive and costly time of year. 🎄 💵

That’s why reviewing your current lending needs is an important task to do. Whether you’re looking to re-finance an existing home loan or looking at buying a new home, with BOQ’s competitive home loan rates, you could be paying less on your loan and more on making your house a home. 🏠 🥳

Call me today on 0428 733 944 📞 for a complimentary “Health Check” on your current lending.

07/12/2021

Doing What I Do Best! 👊🙌 🏠 💵