What are the opening hours?

Monday 8:30am - 6pm Tuesday 8:30am - 6pm Wednesday 8:30am - 9pm Thursday 8:30am - 9pm Friday 7:30am - 9pm Saturday 9am - 5pm

BIR Finance

Call Directions Website Contact the business

Borrow Invest Refinance - Finance and Essential Services for busy people We recommend that you consider whether it is appropriate for your circumstances.

Disclaimer:

BIR Pty Ltd ACN 117185656 trading as BIR Finance, Credit Representative Licence 517662, is authorised under Australian Credit Licence 517912 held by LM Broker Services Pty Ltd ACN 632405504. The information on this website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. The information on this website does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Where applicable, this article is subject to lenders terms and conditions, fees and charges and eligibility criteria apply. Licencing Statement: BIR Pty Ltd, Credit Representative 517662, is authorised under Australian Credit Licence 517912.

09/10/2026

"Business owners build the vision. The right finance can help support the path to achieving it."

Every successful business starts with a goal. Expanding operations, purchasing equipment, upgrading vehicles, investing in commercial property, or improving cash flow all require careful planning and the right financial strategy.

The right finance solution is not just about accessing funds. It is about creating opportunities, supporting growth, and helping your business move forward with confidence.

Whatever stage your business is at, having the right support can make all the difference.

Speak with BIR Finance to explore finance solutions tailored to your business goals.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

07/10/2026

Is an offset account the same as a redraw facility?

It's a common question, and while both may help you manage your home loan, they work in different ways.

The balance held in an eligible offset account reduces the portion of your linked home loan used to calculate interest.

Understanding how each feature works can help you choose a loan that better suits your financial goals and lifestyle.

Not sure which option may be right for you?

Leave a comment below, save this post for future reference, or get in touch with BIR Finance to explore your home loan options.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

05/10/2026

Can an SMSF borrow to invest in property?

In some circumstances, an SMSF may be able to borrow to acquire an eligible property through a limited recourse borrowing arrangement.

However, strict superannuation, legal and lending requirements apply. SMSF property lending is not suitable for every fund or borrower.

BIR Finance can help eligible clients explore SMSF property lending options and lender requirements.

Before deciding whether an SMSF property investment strategy is appropriate, consider obtaining independent advice from appropriately qualified financial, tax and legal professionals.

Have a question about SMSF property lending?

Contact BIR Finance to discuss the lending options that may be available based on your circumstances.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

02/10/2026

Your financial circumstances can change over time, and your lending arrangements may need reviewing too.

Here are five areas worth checking regularly.

1️⃣ Your current loan

Rates, features and lender policies can change. A loan that suited you previously may not suit your current circumstances.

2️⃣ Loan features

Interest rate is important, but features such as offset accounts, redraw facilities, fees and repayment flexibility may also affect the overall cost and suitability of a loan.

3️⃣ Your current debts

Changes to credit cards, personal loans and other commitments may affect your overall borrowing position.

4️⃣ Your borrowing capacity

Income, expenses, liabilities, property values and lender policies can all influence how much a lender may be prepared to lend.

5️⃣ Your future plans

Buying property, investing, purchasing business assets or refinancing may require a different lending structure as your goals change.

A finance review does not necessarily mean changing lenders. It can simply help you understand your current position and the options that may be available.

If it has been a while since your last review, speak with BIR Finance.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

30/09/2026

Finding the right finance solution starts with understanding your goals.

Whether you're investing in property, growing your business, purchasing equipment or exploring finance through your SMSF, the right lending strategy can make a meaningful difference. Every borrower has unique circumstances, so it's important to consider options that align with your needs and long-term objectives.

BIR Finance offers a range of lending solutions, including:
• SMSF property investment loans
• Commercial property finance
• Business and asset finance
• Working capital and cash flow finance
• Personal and asset finance loans

Every application is subject to lender criteria, credit assessment and eligibility requirements.

Talk to BIR Finance today to explore the finance options that may be right for your circumstances.

Get in touch today!

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

29/09/2026

𝐂𝐚𝐬𝐡 𝐑𝐚𝐭𝐞 𝐑𝐢𝐬𝐞𝐬 𝐭𝐨 𝟒.𝟔𝟎%

The official cash rate has increased by 25 basis points to 4.60%, as inflation remains elevated and recent price pressures have been stronger than expected.

What it means:
• Borrowing costs may increase for variable rate borrowers
• Higher fuel and energy prices are adding to inflation
• Consumer spending and housing activity are showing signs of slowing
• Further rate increases remain possible if inflation pressures persist

The RBA will continue to monitor inflation, economic activity and global developments before making future rate decisions.

👉 If you would like to understand how the latest rate increase may affect your home loan, get in touch with BIR Finance to review your options.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

28/09/2026

What is debt consolidation?

Debt consolidation generally means combining multiple eligible debts into one loan or repayment arrangement.

For some people, this may make repayments easier to manage and provide a clearer view of their overall debt.

However, consolidating debt does not automatically reduce the total amount you repay. Interest rates, fees and the length of the new loan can all affect the overall cost.

Before making any changes, it is important to compare the total cost and consider whether the new arrangement suits your circumstances.

This post is for general educational purposes only.

25/09/2026

Building an investment property portfolio starts with the right finance strategy.

Whether you're purchasing your first investment property or expanding your portfolio, your loan structure may affect cash flow, borrowing capacity and how available equity may be used, subject to lender criteria.

At BIR Finance, we take the time to understand your investment plans and explore lending options that align with your circumstances.

We'll guide you through the process and help you make informed decisions at every stage.

Every lender has different lending criteria, and loan approval is subject to eligibility, credit assessment and individual circumstances.

Contact BIR Finance today to discuss your investment property finance options.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

23/09/2026

Property is a familiar investment choice for many Australians, but owning property does not necessarily mean your investments are diversified.

Diversification generally means spreading investments across different asset types rather than relying heavily on one investment or asset class.

Different investments can respond differently to changes in markets and economic conditions. Having a mix of investments may help reduce the impact if one part of a portfolio performs poorly.

The right approach will depend on individual circumstances, goals and risk tolerance.

This post is for general educational purposes only and is not financial or investment advice.

21/09/2026

Your property and finance goals deserve a lending solution that fits your circumstances.

Whether you're buying your first home, refinancing, investing in property or looking for finance for your business, an appropriate lending structure may help support your plans.

At BIR Finance, we take the time to understand your goals and help you explore loan options that suit your circumstances.

Our services include:
✔ Residential Property
✔ SMSF Property Investments
✔ Commercial Property
✔ Asset Finance for Business
✔ Working Capital & Cashflow Finance
✔ Personal Loans
✔ Asset Finance Loans

No matter where you are on your property or finance journey, we're here to help you move forward with confidence.

📲 1300 989 878
📩 [email protected]
💻 www.bir.net.au

Address

12/16 Parker Street
Melbourne, VIC
3016

Opening Hours

Monday	8:30am - 6pm
Tuesday	8:30am - 6pm
Wednesday	8:30am - 9pm
Thursday	8:30am - 9pm
Friday	7:30am - 9pm
Saturday	9am - 5pm

Telephone

+611300989878

Website

http://www.bir.net.au/

Alerts

Be the first to know and let us send you an email when BIR Finance posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to BIR Finance:

Katherine Isbrandt - About Retirement

Want your business to be the top-listed finance company in Melbourne?