Mortgage Channel

Mortgage Channel We help property investors find the right loans with the property structure for long term growth, stability and success.

Thanks Albo for the push! After many years of sitting on the fence, purchased our 3rd SMSF purchase - a 3 bedroom unit i...
06/08/2026

Thanks Albo for the push!

After many years of sitting on the fence, purchased our 3rd SMSF purchase - a 3 bedroom unit in Sydney. Good luck to everyone looking to secure their purchase before 10th August.

Four years later, Michael is back live on Aus Property Investors, this time with Jef Miles  Miles  & Steve Palise 🎙️When...
02/07/2026

Four years later, Michael is back live on Aus Property Investors, this time with Jef Miles Miles & Steve Palise 🎙️

When Michael first appeared on the podcast four years ago, he owned 30 investment properties. Fast forward to today, and a lot has changed.

In this session, Michael shares how his property investment strategy has evolved, where he sees opportunities in today's market, practical lending insights for investors navigating the current environment including SMSF, and the lessons he's learnt over the past four years.

Whether you're buying your first home, building your investment portfolio, or looking to make smarter property decisions, this conversation is filled with practical insights and real-world experience.

Link to the session is in the comments. Let us know your biggest takeaway in the comments—we'd love to hear what resonated with you.

Bankwest Broker of the Year 2026! It was a pleasure to be back at the Bankwest Broker of the Year Awards last week, and ...
02/04/2026

Bankwest Broker of the Year 2026!

It was a pleasure to be back at the Bankwest Broker of the Year Awards last week, and we are beyond proud to share some incredible news — Michael has been awarded Bankwest Broker of the Year 2026!

What makes this moment even more special is that this recognition comes just one year after being awarded Bankwest Newcomer of the Year 2025, making this achievement one we will never forget. 🥂

A heartfelt thank you to Khrystna, Ron, Lisa, Ian, Dilis and the entire Bankwest team for your continued trust and ongoing support. And to the Mortgage Channel team and all of our amazing clients — this award would simply not have been possible without you. Thank you!

The moment many of you have been waiting for.Michael Xia and Simon Loo from House Finder  are back on Smart Property Inv...
09/02/2026

The moment many of you have been waiting for.

Michael Xia and Simon Loo from House Finder are back on Smart Property Investor’s Property Unfiltered podcast.

Two years on, they sit down for a real catch-up on what’s actually working in today’s market — and what isn’t.

Since their last conversation, they’ve doubled their combined portfolios from 100 to 200+ properties, capitalised on the rise of unit blocks, and even stepped into some more controversial asset classes.

In this episode, they break down the wins, the setbacks, and the strategies behind the growth — with no filters and no fluff.

Let us know what you think in the comments below!

Last year, I posted that we’d make 2025 unforgettable — and it certainly was.2025 has been a defining year in both my ca...
06/01/2026

Last year, I posted that we’d make 2025 unforgettable — and it certainly was.

2025 has been a defining year in both my career and our personal investment journey. I want to sincerely thank our clients, both new and existing, for trusting us with your financial goals; our incredible BDMs who help keep everything moving smoothly; and the entire Mortgage Channel team, who work tirelessly behind the scenes to make it all happen.

This year marked our strongest performance in 10 years of mortgage broking, with a personal record $490.1 million settled across 1,001 loans. I was also humbled to be recognised across the industry with multiple nominations and awards, which I am deeply grateful for, including:

• #2 Residential Broker – The Adviser Elite Broker Rankings
• #4 Residential Broker – MPA Top 100 Brokers
• Commonwealth Bank Broker of the Year
• Bankwest Newcomer of the Year
• Finalist – Best Residential Broker, Better Business Awards
• Finalist – Best Residential Broker, Australian Mortgage Awards

One of the highlights of the year was celebrating Mortgage Channel’s 10-year anniversary with our incredible team in Coron, Palawan. From world-class hospitality to jaw-dropping scenery, it was the perfect setting to celebrate a decade of growth, teamwork, and shared success.

On the property investing front, this has been Jo and I’s biggest year yet, surpassing the 100-property milestone. We are in the final stages of our multi-residential development in Logan, with most homes now handed over and leased. We also continued investing in multiple unit complexes across Sydney and Melbourne. I’m also so proud of my wife for managing our portfolio over the years and most recently extended her agency and property management services to friends and clients in Sydney.

Thank you again to everyone who has been part of the journey. We’re excited to make 2026 even bigger!

- Michael

Michael had the pleasure of attending the annual Commonwealth Bank Platinum Broker Dinner last Thursday night. It's alwa...
10/11/2025

Michael had the pleasure of attending the annual Commonwealth Bank Platinum Broker Dinner last Thursday night. It's always a fantastic evening connecting with some of the industry’s top brokers and CBA’s leadership team.

A huge congratulations to Michael’s mentee, Taku Ekanayake from Kin Financial , for taking home the Newcomer of the Year Award! To top it off, Michael was honoured to be named Broker of the Year for the second consecutive year — a truly special moment and a privilege to achieve this back-to-back recognition from CBA. Thank you CBA!

What a memorable evening, made even better when shared with great people who make the journey so rewarding.

We had the pleasure of joining hundreds of brokers at The Calyx in Sydney’s stunning Royal Botanic Gardens on Thursday n...
14/04/2025

We had the pleasure of joining hundreds of brokers at The Calyx in Sydney’s stunning Royal Botanic Gardens on Thursday night for the 2025 Bankwest Broker of the Year Awards.

We're proud to share that Michael Xia was awarded Bankwest’s Newcomer of the Year for NSW! This award recognises the highest loan volume increase written by brokers new to Bankwest in FY24.

Huge thanks to Bankwest for the recognition, to our superstar BDM Dilis Law, and of course to the Mortgage Channel team, who keep everything running like clockwork behind the scenes.

I want to take a moment to thank you for being part of this journey with us in 2024. It’s easy to get caught up in what'...
07/01/2025

I want to take a moment to thank you for being part of this journey with us in 2024. It’s easy to get caught up in what's next, but reflecting on the present and appreciating where we are is truly a gift.

2024 has been a year of growth and gratitude. We recorded the highest number of loans we've ever had, and won several awards, including being named in MPA's Top 100 Brokers, where we ranked #24 out of 21,000 brokers in Australia. We were also honored to be the winner of Commonwealth Bank’s Platinum Broker of the Year award. Platinum status is granted to select brokers and allows us to prioritise our clients, fast-track lending queues, and negotiate interest rates. Being recognised as the winner among all the Platinum achievers was a true honor. Additionally, we were named Loan Market Group Residential Broker of the Year Finalist, TheAdviser’s Top 25 Broker and Top 5 Brokers in the Loan Market Group.

We were also the most proactive with our own property acquisitions bringing our portfolio to over 80. We also completed our first subdivision in Logan with the build of 7 houses and 7 granny flats going under construction soon.
It was a pleasure seeing our clients strive towards achieving their property goals, especially those who achieve and then stretch it a bit further. We also had the pleasure of meeting and helping new clients.

I feel so accomplished, and honestly, more excited than ever for what’s ahead! Here’s to achieving more goals, property purchases, and most important of all, a happy and healthy 2025. Let’s make this year unforgettable!

-Michael

Talk about moving quickly! One of our more experienced property investors, Huseyin, recently made an appearance on the S...
16/05/2024

Talk about moving quickly! One of our more experienced property investors, Huseyin, recently made an appearance on the Smart Property Investment Podcast in the Property Unfiltered episode with Simon Loo from House Finder. During the podcast, he delves into how he successfully acquired 8 properties and generated $80K in passive income in just 7 months.

Tune in to learn about his decision-making process, the strategies he employed, and the 'aha' moment that propelled him to acquire multiple properties in such a short time frame. Huseyin also provides insights into the specific locations and property numbers in his portfolio, emphasising his belief that anyone can achieve success in property investing.

Michael was recently featured on the Pizza and Property Property Podcast with Todd Sloan to share his experience of buil...
30/01/2024

Michael was recently featured on the Pizza and Property Property Podcast with Todd Sloan to share his experience of building a 62 property portfolio.

During the interview, Michael provided insights into his investment journey, beginning in Sydney in 2012, and discussed his mindset at each stage of his journey. He also talked about the mistakes he made along the way and the valuable lessons he learned, as well as how he scaled his portfolio so aggressively and his advice for other property investors.

The interview is raw and honest, providing a unique window into Michael's journey and the strategies he used to build his portfolio.

https://www.pizzaandproperty.au/audio/ep-224-62-rental-portfolio-42000-weekly-rent-how-he-built-a-cashflow-machine-with-michael-xia/

Let us know your thoughts in the comments below :)

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