Birch Financial - MNC

14/04/2026

Welcome Paul Howell to the Team!

With 18 years of expertise at CBA and ANZ, Paul is a Mortgage Broker & Commercial Finance Specialist helping clients achieve their financial goals through personalised home, investment, business, and SMSF lending solutions.

Whether you're a first home buyer, property investor, or business owner, Paul brings the knowledge, connections, and tailored approach to simplify your borrowing journey — from dream to reality.

Paul can help with:
Home Loans | Refinancing | Investment Property | Commercial Finance | Business Lending | SMSF

[email protected]
0411 689 044

03/03/2026

Meet the Team - Max Wilshire

Asset Finance and Business Lending

Max brings unparalleled expertise to Birch Financial Services, backed by decades of experience in commercial and consumer loans. With a rich background spanning government fleet management, dealership sales, auctioneering, and vehicle valuation, Max understands assets and finance inside out.

His ability to build strong, trust-based relationships with clients stems from his integrity, professionalism, and systematic approach. Whether navigating complex financial solutions or ensuring client goals are met, Max combines industry knowledge with a personal touch to deliver exceptional results.

26/02/2026

Birch Cup! Go the Knights!... sorry Jake.

24/02/2026

Meet the Team -Scott Johnson

Finance Specialist

A proud family man and dad two beautiful girls. When Scott is not at home spending time with his family, he is busy developing his accounting skills to assist with mortgage broking and provide finance solutions for his clients.

Scott has a Certificate IV in Finance and Mortgage Broking, a member of FBAA and AFCA a Certificate IV in accounting and bookkeeping, member of ICB - The Institute of Certified Bookkeepers, With over two decades in the finance industry Scott has worked for some of the country’s largest FMOs.

Scott has specialised in Personal and Commercial Asset Finance Lending. But, with a change in the industry to become an “all-round” finance broker. Scott has joined Birch Financial to expand his offering and knowledge in the home loan market. Scott has a passion for small business and is dedicated in providing his clients the same level of service across all finance options.

20/02/2026

17/02/2026

Meet the Team - Jacob Birch

I have over fifteen years’ experience in the finance industry, having worked for four of Australia’s leading banks. I have a diploma in Mortgage Broking and I am a member of MFAA.

With this considerable industry knowledge and experience, I can tailor a solution for you and help you navigate the challenges and stresses of buying a property or refinancing, from start to finish.

Obtaining finance can be stressful, especially in today’s environment. I take the time to understand your individual needs and financial circumstances to find the right outcome today and assist you into the future.

There are many factors to consider when getting a home loan; interest rates are only one element of the complete package. I will help you consider all your options so you can concentrate on making the best decision for your needs.

My focus is always on building strong relationships and I will be there every step of the way.

11/02/2026

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🌳𝗕𝘂𝘆𝗶𝗻𝗴 𝗹𝗮𝗻𝗱?

Read this before you apply for a loan.

Land loans are different — here’s what the banks don’t always tell you.

If you’re buying land now and building later, you’ll likely need a land loan before a construction loan is issued.

Here’s what to watch out for:

🏞️ Some lenders require construction to start within 12–24 months
📏 Zoning or developer restrictions may apply
🧾 You'll need a 5–20% deposit depending on lender

And yes — not all banks offer land-only loans.

Let’s assess your goals, timeframes, and find a lender that fits the full picture.

📩 DM me to talk land + build strategy.

17/09/2025

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📉 𝗪𝗵𝘆 𝘆𝗼𝘂𝗿 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲 𝗶𝘀 𝗼𝗻𝗹𝘆 𝗵𝗮𝗹𝗳 𝘁𝗵𝗲 𝘀𝘁𝗼𝗿𝘆

Chasing the lowest rate? You’re not wrong — but there’s more to the picture.

Interest rate matters — but it’s not the only thing you should look at.

💡 Here’s what else to consider:
• Comparison rate (includes fees + charges)
• Loan features like offset accounts or redraw
• Flexibility if your goals change
• Cashback offers (great short term, not always best long term)

A broker helps you match the loan to your goals — not just a headline number.

At Birch Financial we take your loan goals seriously and will always present you with the best options to suit your goals while educatingf you along the way.

📞 Let’s review your options and run the real numbers.

03/03/2025

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At Birch Financial we don't just do home loans. Here are some other loans we can help you with.

𝗖𝗮𝗿 𝗟𝗼𝗮𝗻𝘀🚗
A car loan is designed to help you purchase a new or used vehicle. It’s a secured loan, with the vehicle itself serving as collateral. You make monthly payments until the loan is paid off.

𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗟𝗼𝗮𝗻𝘀👔
For business owners, there are various types of financing available, including:

𝗧𝗲𝗿𝗺 𝗹𝗼𝗮𝗻𝘀: A lump sum of money paid back over time.💵

𝗟𝗶𝗻𝗲 𝗼𝗳 𝗖𝗿𝗲𝗱𝗶𝘁: Flexible access to funds when needed.

𝗖𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗟𝗼𝗮𝗻𝘀:If you’re building your own home or undertaking major renovations, a construction loan can help. These loans typically have short terms, and funds are released in stages as construction progresses.⚒️

𝗗𝗲𝗯𝘁 𝗖𝗼𝗻𝘀𝗼𝗹𝗶𝗱𝗮𝘁𝗶𝗼𝗻 𝗟𝗼𝗮𝗻𝘀: If you’re juggling multiple debts, a debt consolidation loan combines them into one with a potentially lower interest rate. This can simplify your payments and reduce financial stress.

Need help finding the right finance option for you?

I can help you explore all the options available to suit your goals. Get in touch today to discuss how we can help you.

11/02/2025

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𝗢𝘂𝗿 𝗺𝗮𝘁𝗲𝘀 𝗳𝗿𝗼𝗺 𝗪𝗲𝗮𝗹𝘁𝗵 𝗦𝘁 𝘀𝗲𝗻𝘁 𝘁𝗵𝗶𝘀 𝘁𝗵𝗿𝗼𝘂𝗴𝗵.

I thought I should share it with you.

𝗡𝗲𝘄 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝘀𝗲𝗹𝗹𝗶𝗻𝗴 𝗿𝘂𝗹𝗲𝘀

New property selling rules are now in effect and ignoring them could be costly.

From January 1 2025, all property sellers in Australia must obtain an ATO clearance certificate—or risk having 15% of the sale price withheld.

Previously, this only applied to overseas-based sellers. Now, all Australian residents must provide buyers with a clearance certificate confirming their tax residency at or before settlement.

This rule does not apply to sellers who signed contracts before the start of the year but have not yet settled.

Previously, the withholding rule only applied to properties valued above $750,000. That threshold has now been removed.

Meanwhile, the ATO is cracking down on landlords failing to declare rental income or are under-estimating their earnings. It will compare bond data with tax returns to identify underreported earnings.