Michael - Lend With Mic

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Michael - Lend With Mic

Hi, I'm Michael 👋 A Melbourne-based mortgage broker who's passionate about making your finances feel as smooth as your morning coffee.

30/08/2026

Another week, another car loan review ☕🚗

Funny thing is, home loans are actually my bread and butter - but apparently I’m building a bit of a reputation for stress-free car finance too. Not mad about it.

This client came to me wanting the right finance option for their car, and left with a smooth process, clear communication, and zero stress. Same care whether it’s a $30k car or a $900k home.

Need a mortgage broker (or car loan, evidently) in South-East Melbourne? DMs are open 👋

29/08/2026

That first-sip feeling, but make it a formal approval ☕✅

I got the client pre-approved, allowed for a 10% discount on the price they sold their existing property for (over $90,000!), and the client’s went unconditional on their dream home.

If they couldn’t settle, they weren’t just losing the deposit. The vendor could resell the property and come after them for the difference between the original contract price and what it sells for today.

All up, that’s $255,000 on the line. Life-changing money, gone, through no fault of their own.

So I got to work. Re-ran the numbers, restructured the application, confirmed which lender was best-suited for the client’s long-term goals, but also a lender that actually understood the situation. Unconditional approval landed this week, and they’ll be settling on their new home.

This is the part of broking nobody posts about. It’s not always the fun bit at the front. Sometimes it’s a rescue.

I can’t wait to see the client pick up the keys for their dream home. 🥹🤎

20/08/2026

Had to make the text smaller for this one 😅

Beyond blessed to be feeling the love from clients that are trusting me with one of the biggest processes in their life (to date)!

This one here is a first-time property investor that I helped with navigating a rapidly-changing lending space, as well as an extremely volatile property market (that people, in a position to do so, are really taking advantage of).

Looking forward to seeing where the property investment journey takes this client, and can’t wait to continue servicing this client on a regular basis - as I do with all of the clients who trust me with process. 🙏🏼🤎

16/08/2026

This is why I do what I do. 🏡

Huge congratulations to Jenny on buying her first home! From our very first chat to settlement day, she showed up prepared, asked all the right questions, and trusted the process.

Buying your first property can feel overwhelming, so my job as your mortgage broker is to make it feel simple. No jargon, no jumping through hoops, just honest guidance and the numbers laid out in real time so you always know exactly where you stand.

Jenny, thank you for your kind words and for letting me be part of such a huge milestone. Enjoy every moment in your new place. ☕🤎

14/08/2026

This one tugged at the heart strings… one of my favourite outcomes for a client, and an application that would not have been possible with 99% of the lenders out there.

Not because the client profile wasn’t strong (it was outstanding), but because one key piece of policy was vital for this to work - and it wasn’t on offer by any other lender.

This was just another reminder of why I get up every morning and look forward to my day so damn much. Helping people navigate property purchases, refinancing, or equity releases, with the intention of getting their home loans paid off well ahead of the expected loan term - is exactly why I started Mocha Finance. ☕️🤎

To my happy client that left this amazing review, I can’t WAIT to see you pick up the keys to your new home in the next fortnight 🥹

11/08/2026

Have you thought about what the equity in your home could actually do for you? ☕🏠

For a lot of home owners, equity just sits there quietly - untapped and unused. But used the right way, it can be one of the most powerful financial tools you have.

Here’s what your home equity could help you do:

☕ Invest in property and start building a portfolio
☕ Consolidate high-interest debts into one manageable repayment
☕ Act as a security guarantee to help your kids get into the property market sooner

Accessing equity isn’t the right move for everyone, and it always comes down to your individual situation - but most people simply don’t realise it’s an option on the table.

As a mortgage broker in Melbourne, I help home owners understand what their equity could unlock, and whether it actually makes sense for them.

When did you last think about your equity as a tool, not just a number? 👇

Property owner in Melbourne? Let’s explore what’s possible. 🔗

07/08/2026

Refinancing, honestly 👇

On a $600,000 loan with 25 years to go, dropping from 6.60% to 6.10% saves around $186/month - or if you keep repayments the same, roughly $120,000 in interest and 2.5 years off the loan.

But refinancing isn't always the answer: switching costs, LMI, break fees or restarting a 30-year term can wipe out the benefit.

That's exactly what we weigh up before recommending anything - and if staying put is the smarter play, we'll tell you that.

Want your numbers checked?

Calendly link in bio ☕

03/08/2026

Offset accounts explained 👇

On a $600,000 home loan at 6.25% over 30 years, adding just $1,000/month to a linked offset account could save around $341,000 in interest and cut nearly 8 years off the loan - without changing your repayments.

The money stays accessible the whole time.

The catch? It only works with the right loan structure.

If you want to see what YOUR numbers look like, the Calendly link is in my bio ☕🤎

30/07/2026

On a day when i’m not wearing a smart jumper or a suit, this is the person that’s behind ensuring that your lending is working for you.

A real person, not someone who looks polished on the outside just trying to sell you a service or a new loan.

A person who’s genuinely in your corner - from the moment you start to open up about what you really want from your lending.

Whether it’s to:

- Refinance your existing lending and help you pay off your mortgage sooner.
- Purchase your first home or investment property.
- Re-structure your existing property debts, or release equity from your property for a new investment purchase.
- Consolidate your existing liabilities into one easy, manageable repayment.
- Better-manage your cashflow as a Self-Employed Person.

You deserve a real person guiding you on any or all of the above. The same person who cares about the other real person (yourself) involved, who will directly benefit from getting the correct guidance on each of these areas.

Until you feel comfortable opening up to me on your finances and what you are looking to achieve, I hope you enjoy following along with the journey as I build Mocha Finance from the ground up. ☕️🤎

Remember, I’m only a phone call, message, email, or enquiry away. 🙏🏼

29/07/2026

Under 48 hours from first chat to keys in hand 🚚⚡

Getting to help a business keep moving without missing a beat? That’s exactly why I do this.

Whilst it’s not currently listed on my website (because this isn’t something I actively target), I can also help with equipment and vehicle finance - whether it’s a work ute, machinery, or a whole fleet. Same fast, hands-on service. Same person in your corner.

To this client - thank you for trusting me with it ☕️🤎

Business owner in Melbourne needing equipment or vehicle finance, fast? Let’s talk 🔗

Address

Melbourne, VIC

Website

http://www.mochafinance.com.au/

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