BIR Finance

BIR Finance 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 wil

l 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.

Build cost blow-outs usually hurt because they smash cashflow and force rushed choices. The best defence is a contingenc...
04/06/2026

Build cost blow-outs usually hurt because they smash cashflow and force rushed choices.

The best defence is a contingency buffer you treat as “hands off” unless it’s a genuine must-pay item. If the budget does jump, act early: cut the nice-to-haves first, update the numbers, and then look at funding options based on what your lender will accept at the time (policies vary).

The best plan is the one you’ll actually stick to — structure matters as much as the spreadsheet.

🔗 Book a time with me: https://zurl.co/GiUPC
💻 Check our website: https://zurl.co/yviYo

Everyone's financial journey looks different.Whether you're working towards home ownership, investing through an SMSF, i...
03/06/2026

Everyone's financial journey looks different.

Whether you're working towards home ownership, investing through an SMSF, improving business cash flow, or growing your wealth, the first step is having a clear strategy.

Tell us your answer below 👇We're curious to see what's top of your list this year.

Family support is becoming a key factor for many first home buyers.Whether it is a guarantor arrangement, gifted funds, ...
03/06/2026

Family support is becoming a key factor for many first home buyers.

Whether it is a guarantor arrangement, gifted funds, or simply guidance through the process, having the right support can open up opportunities that may have felt out of reach before.

That said, every situation is different. The structure of your loan, your long-term plans, and the level of support available all play a role in what the right approach looks like for you.

If you are exploring your options or want to understand how family support could work in your situation, read the full blog here:
👉 https://bir.net.au/family-support-buyers-first-home-buyers/

Rent’s up. Deposits feel brutal. You’re not alone.Let’s be real for a second.Trying to save a deposit while paying risin...
03/06/2026

Rent’s up. Deposits feel brutal. You’re not alone.

Let’s be real for a second.

Trying to save a deposit while paying rising rent is genuinely exhausting. And if it feels like you’re not getting ahead, it’s often not “you” — the maths is just hard.

The upside? Many first home buyers have more pathways than they realise. Depending on your situation, that could include government support options, family guarantor structures, or lower-deposit pathways.

If you want, let’s work through your real options and numbers — not the hypothetical ones.

🔗 Book a time with me: https://zurl.co/NfjLK
💻 Check our website: https://zurl.co/x8mUc

Looking for a financial boost without the hassle? BIR Finance offers flexible personal loans designed to simplify your l...
02/06/2026

Looking for a financial boost without the hassle? BIR Finance offers flexible personal loans designed to simplify your life.

Whether you want to clear existing debts, upgrade your car, renovate your home, or book that dream holiday, we have a solution for you.

Spend more time enjoying your life and less time stressing about your expenses.
Reach us to find out how we can help.

📞 Get in touch today!
💻 www.bir.net.au
📲 1300 989 878
📩 [email protected]

Client love like this makes our day 🙌A big thank you to Olz Middleton for the kind words:“Great service with property re...
02/06/2026

Client love like this makes our day 🙌

A big thank you to Olz Middleton for the kind words:

“Great service with property reports, finance and lending options. Will definitely recommend to suitable clients.”

At BIR Finance, we’re big on making the home loan and refinance process feel clear, calm, and well-supported — whether you’re comparing lending options, sense-checking a property, or just wanting straight answers before you commit.

If you’d like a second set of eyes on your situation (purchase or refinance), you’re welcome to book a quick chat.

🔗 Book a time with me: https://zurl.co/cDyRR
💻 Check our website: https://zurl.co/BxHLc

01/06/2026

Starting your property investment journey in Australia can feel overwhelming at first, but the right approach makes all the difference.

Here are the top Tips to Get Started on Property Investing in Australia:

• Assess Your Finances and Set Goals
• Do Your Research
• Seek Professional Advice
• Choose the Right Investment Strategy
• Take Advantage of Tax Benefits

With these steps, you can start your property investment journey confidently and strategically.

Yes — and the best move is to set it up for flexibility first.If you’ve got spare cash during the project, keep it worki...
28/05/2026

Yes — and the best move is to set it up for flexibility first.

If you’ve got spare cash during the project, keep it working for you (often via an offset) so it reduces interest while still staying accessible. The big win is having a structure that lets you handle surprises without turning the build into a stress festival.

Quick question: Are you more worried about repayment pressure or keeping cash available?

🔗 Book a time with me: https://zurl.co/b0QXB
💻 Check our website: https://zurl.co/tWJmQ

Car loans can be confusing, and there’s a lot of misinformation out there.Here’s a quick look at one of the most common ...
28/05/2026

Car loans can be confusing, and there’s a lot of misinformation out there.

Here’s a quick look at one of the most common car loan myths, and the truth behind them.

Renting feels harder than it should right now (and that’s not your imagination). Australia’s rental vacancy rate has dip...
27/05/2026

Renting feels harder than it should right now (and that’s not your imagination).

Australia’s rental vacancy rate has dipped further to 1.0%, down from 1.1%. That usually means fewer rentals to choose from, more competition at inspections, and less breathing room for renters.

If you’re a first home buyer, it’s a good reminder to get clear on your plan early — not to rush, but to make sure you’re ready when the right property comes up.

As your broker, we can help you:
- Assess your position (deposit, savings pattern, and what’s realistic right now)
- Structure your loan to match your goals (cashflow, flexibility, and features like offset vs redraw — the “maths” and the “behaviour” both matter)
- Compare lender options based on your scenario, not just the headline rate

If you want, we can do a quick, practical check: what you could borrow, what repayments might look like, and what to watch out for before you start offering.

🔗 Book a time with me: https://zurl.co/0iBk4
💻 Check our website: https://zurl.co/YrjjC



(General information only — vacancy rates and lending policies can change, and your best option depends on your full situation.)

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

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