Michael - Lend With Mic

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Michael - Lend With Mic

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

11/10/2026

Self-employed and been told a home loan is too hard? That’s not the whole story 👷‍♂️🏢

Traditional lenders like payslips. When you run your own business, your income often doesn’t fit neatly in that box, and strong profits with a lower taxable income can look bad on paper.

But lenders don’t all assess self-employed income the same way. Depending on the lender, things like tax returns, BAS statements, business bank statements or an accountant’s letter can help support your application. Specialist and non-bank lenders are often more flexible 🏦

One rejection from a bank isn’t the end of the story. Every situation and every lender’s policy is different, so this is general information only.

Self-employed and not sure where you stand? DM me or book a free call via the link in my bio 🗓️

08/10/2026

Nothing beats that first-sip feeling ☕ and for first home buyers, it's the moment you realise you're not doing this alone.

Thank you so much for these kind words! 🤎

Buying your first home in Melbourne can feel overwhelming, from working out your borrowing power to understanding first home buyer grants, stamp duty concessions and low-deposit options. My job is to take the time to understand your situation, explain every option clearly, and stay in your corner from pre-approval right through to settlement.

If you're a first home buyer in South-East Melbourne (or anywhere in Victoria) looking for a mortgage broker who's responsive, reliable and always follows up, let's chat.

📩 DM me or tap the link in bio to book a free chat

07/10/2026

Fixed or variable? There really isn’t a single right answer 🤷‍♂️

A fixed rate gives you certainty - your repayment doesn't change for the fixed term. A variable rate gives you flexibility, like extra repayments, offset accounts and the benefit if rates fall (features and limits vary by lender). Many borrowers split their loan to get a bit of both.

The right mix comes down to your cash flow, your goals and how comfortable you are with uncertainty. I can model both scenarios against your actual numbers before you decide.

DM me or book a call via the link in my bio ☕

The loan figures in this video are an example only. This calculator provides estimates only, based on the figures and assumptions you enter. It is not an offer of credit, a quote, or financial advice, and doesn't account for your full circumstances or all fees and charges. Lending criteria, fees and rates vary by lender and change over time. Talk to us for an assessment based on your situation.

06/10/2026

"We never felt like just another client." 🏡

That line stopped me in my tracks. Because that's the whole point.

This family first came to me to refinance, and a little while later we were back at it again, this time buying their home. Two big chapters, and I got to be there for both of them.

Behind every loan is a family with their own circumstances, their own worries and their own dream. My job isn't just to find the right lender and the right structure. It's to take the time to understand what actually matters to you, answer every question (no question is ever too much), and make the whole thing feel a lot less heavy.

To this beautiful family - thank you for trusting me with something this important, and for such heartfelt words. Watching this dream become your reality has been a genuine privilege. Enjoy every moment in your new home. ☕❤️

Whether you're looking to refinance or ready to buy, I'd love to help you take the next step. Send me a message or book a chat through the link in bio.

04/10/2026

Is your offset account actually working for you? 🤔

An offset account is a savings account linked to your home loan. Every dollar in it reduces the balance you're charged interest on, and the money stays accessible. It isn't locked away like a
repayment.

Kept topped up, it can save you a lot of interest and help you pay the loan off sooner, without making a single extra repayment.

Worth knowing: some lenders offer restricted versions, like an offset that only covers part of your balance, which limits the benefit. It's easy to have one without realising.

Not sure yours is fully functional? Let's check it together. DM me or book a free call via the link in my bio ☕

The figures in this video are an example only ($600,000 loan over 30 years, $50,000 kept in offset throughout, at a rate of 4% p.a. or more, assuming a 100% offset account). This calculator provides estimates only, based on the figures and assumptions you enter. It is not an offer of credit, a quote, or financial advice, and doesn't account for your full circumstances or all fees and charges. Lending criteria, fees and rates vary by lender and change over time. Talk to us for an assessment based on your situation.

03/10/2026

Moments like this are exactly why I do what I do 🤎

Helping this lovely family refinance and buy their new home was a real privilege. Thank you for trusting me with such a big chapter, and for these incredibly kind words.

Thinking about refinancing or buying your next home? Let's make it feel simple. That first-sip feeling, for your finances ☕

📍 Mortgage broker | South East Melbourne
📲 DM me or tap the link in bio

09/09/2026

Money sitting in redraw but your repayment hasn’t budged? 🏠 That’s not a mistake - it’s your loan type.

You asked whether funds in redraw still reduce your repayments if you don’t touch them. Short answer: it depends on whether you’re on principal and interest or interest-only.

On an interest-only loan, your repayment is just the interest charged, so extra funds in redraw or offset reduce the interest and your monthly repayment should drop. On a principal and interest loan, the repayment is fixed to pay the loan off over its term, so the amount stays the same - but more of each repayment goes to principal, and you clear the loan sooner. 💡

Either way, the funds are working for you. It just shows up differently.

Link in bio to book a chat, it could be time to make sure your loan setup is working towards your goals in life ☕

08/09/2026

Nobody remembers their interest rate. They remember how they felt.

Two years from now, this couple won’t recall the exact number on their loan documents. But they’ll remember whether the process felt heavy or handled. Whether they got straight answers. Whether someone actually picked up the phone.

“We felt we were in very good hands throughout the whole process.”

That’s the review I want every single time. Not because it’s flattering, but because it means I did the job properly - the parts you can see and the parts you can’t.

Thank you both for trusting me with something this big. Congratulations, and I can’t wait to see the new home!

If you want a broker who treats your loan like it’s the biggest financial decision of your life (because it usually is), I’d love to help. Message me or book a chat through the link in bio.

06/09/2026

Interest-only or P&I on an investment property? 🏠
The answer usually comes down to what else you owe.

You asked whether to go IO or P&I on a 10 year investment hold. Short version: it’s circumstantial, and this is general info only - not financial or tax advice.

Here’s the key difference. Investment debt is normally tax-deductible. Owner-occupier debt isn’t. So if I had both, I’d generally run the investment loan as interest-only and the home loan as principal and interest, then redirect the principal I’m not paying on the investment into knocking down the non-deductible debt first. 💡

Same total repayments, very different outcome over 10 years. Your situation may differ, so get proper advice before changing your loan structure.

Link in bio to book a chat ☕

05/09/2026

Quick to hike, slow to cut? Yep, some lenders are exactly that.

Which bank moves fastest after an RBA cash rate decision? Depends which direction the rate goes. When the RBA hikes, some banks pass it on to variable home loan rates within days. When the RBA cuts, those same lenders can take weeks - or hold back part of the cut.

You asked, so I’m breaking down the fastest movers on the way up, the fastest on the way down, and why they’re rarely the same names.

If your bank was quick to hike and slow to cut, it might be time for a rate review. Link in bio to book a chat.

Address

Melbourne, VIC

Website

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

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