BIR Finance Reviews

Louise Frederick 2026.08.20

     

Very informative and helpful, especially when the others always tell you no!

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Reply from BIR Finance 2026.08.21

Thank you so much, Louise! We're glad we could give you helpful, informative support when others couldn't. We appreciate your kind words and we now look forward to working on your refinance solution!

Justine C 2026.08.03

     

Thanks Michael for your wonderful work. Your time and patience with my situation is so appreciated. I am confident with your advice and assistance I will be making the right decisions for me and my family. So valuable. Best wishes from Justine

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Reply from BIR Finance 2021.03.02

Thanks so much Justine! Lovely feedback!!! I am so pleased you have enjoyed the experience - with more to come 😉

Wendy Grenfell 2026.03.10

     

Thanks again Michael for your thorough, accurate and solid advice and support. You always go 'above and beyond' and I know that I never need to worry about wading through volumes of 'spammer' advice, to find what I am looking for. You always steer me in the right direction or put me in touch with exactly the right person I need at exactly the right time.

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Reply from BIR Finance 2026.03.10

Thank you, Wendy, for your wonderful review and for trusting Michael with your needs. We're delighted that Michael's thorough, accurate guidance and timely connections continue to make things easier for you. He and the team will keep going above and beyond to provide clear, reliable advice and the right contacts when you need them. Your confidence means a great deal to us.

yong zeng 2026.01.27

     

Not only Michael is very experienced in what he does, but also he is willing to go the extra mile to help people to achieve their goals. I won't hesitate to recommend Michael to my friends. Yong

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Reply from BIR Finance 2026.01.28

Thanks Yong! I really appreciate your kind words. Going the extra mile with mortgage finance and property is what makes our day a joy!

Sahar Hazaveh 2026.01.14

     

I had an excellent experience working with Michael Royal from BIR Finance as a first-home buyer. Michael was extremely professional, approachable, and responsive, and he took the time to clearly explain all my options so I could make informed decisions with confidence. The process felt well organised and transparent from start to finish, and Michael’s guidance really helped reduce the stress that comes with buying your first home. I genuinely felt supported and looked after throughout the journey. I would highly recommend Michael and BIR Finance to anyone, especially first-home buyers who are looking for clear advice and reliable support.

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Reply from BIR Finance 2026.01.15

Wow! thanks Sahar! What a fantastic review! You have been a really AAA client for me! You allowed me to explain your options, you listened and provided thoughtful feedback and together, we got you started on your home ownership journey! I am so thrilled for you and I look forward to your continued success!

layla banks 2025.08.06

     

Michael is one of the best mortgage brokers out there. He really knows his stuff, he asked me all the right questions and analysed my situation and came up with a number of banks that could solve my problem. The application went smoothly and I got the best deal available for the purchase of our new home. I could not recommend BIR Finance enough. Michael was excellent

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Reply from BIR Finance 2025.08.09

Thanks Layla! So pleased to assist you!

Bill McLellan 2025.08.03

     

Michael Royal provides a wealth of experience that he generously shares. The advice in the BIR Finance monthly newsletter is outstanding.

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Reply from BIR Finance 2025.08.04

Thanks Bill! Appreciate another reader who loves what we do! The next issue should be a doozy - it will be out in a few days - x fingers :)

Giordan Stepancic 2025.07.31

     

Super easy to deal with, nothing too difficult or complicated. Michael is a pleasure to work with 🙏

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Reply from BIR Finance 2025.08.01

Thanks Giordano! I appreciated your support for myself and my client to get the deal done in the timeframe required

Walter Shellshear 2025.07.31

     

I have known Michael professionally for over 20 years. He is reliable, knowledgeable, and a pleasure to deal with. He has helped write 2 loans for me recently. One was for a commercial property refi and the other was an equity release on an investment apartment. Both times, Michael was responsive and ticked all the boxes re pricing and flexibility.

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Reply from BIR Finance 2025.07.31

Thanbks Walt - you have been a pleasure to deal with during these refinances and equity release additions. You helped make our job easy!

Alex Mallamaci 2025.06.11

     

BIR Finance provided a perfectly smooth and clear experience. Their communication was concise and accurate throughout the entire process. I've only heard good things about them, and my own experience as a finance broker confirms their excellent reputation.

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Reply from BIR Finance 2025.06.11

Thanks Alex - appreciate your kind words! We always do our best to help our clients and you were a key part in implementing the solution - it's good to have great lenders involved!

shane hills 2025.04.08

     

I come to Michael & BIR based on a strong recommendation. Michael has an incredible resume in finance, however I am most impressed by his generous & genuine nature, 100% there to help and add value & I look forward to continuing to work with him.

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Reply from BIR Finance 2025.04.09

Thanks Shane! It was a pleasure to have a chat with you and show you your options for refinancing. Even though your current Big 4 lender was offering you reasonably competitive rates, I think it was important to show you how much they were potentially over-charging you based upon the rates available with another major lender.

Henry Herring 2025.03.05

     

I had the pleasure of working with Michael Royal at BIR Finance in Melbourne, and I can't recommend him enough. He was incredibly knowledgeable and professional. He took the time to understand my needs and offered tailored advice that made all the difference. He helped me evaluate my options carefully and guided me to the right decision before I even started the due diligence process. His professionalism, honesty, and expertise were truly invaluable, and I’m so grateful for his help. If you're looking for sound, trustworthy advice, I highly recommend Michael and BIR Finance.

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Reply from BIR Finance 2025.03.05

Thanks so much Henry. Really appreciate you taking the time to give such a detailed and thorough review. As you know, we are here to help you!

Olz Middleton 2025.02.12

     

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

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Reply from BIR Finance 2025.02.12

Thank you for your wonderful review, Olz! We're thrilled to hear that you found our service helpful. Your recommendation means a lot to us, and we look forward to assisting you and your clients in the future.

Marina Bonofiglio 2025.01.20

     

Michael was fantastic sharing his expertise and insight, and providing us with the right advice. According to my partner 'The most transparent broker we've worked with'.

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Reply from BIR Finance 2025.01.20

Thank you for your wonderful review, Marina! We're delighted to hear that Michael made such a positive impression with his expertise and transparency. Your feedback means a lot to us, and we look forward to serving you again!

Akeel Wani 2025.01.07

     

Michael has been of great help from day 1 but I would certainly consider your mortgage broking services once I look for a service in 2 years time and I will definitely recommend you to my friends and family considering you have a wealth of experience and expertise in this field. Thank you again for your time and working with us and bearing with my questions from time to time.

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Reply from BIR Finance 2025.01.07

Thank you for your positive feedback, Akeel! We appreciate your trust in our services and are delighted to hear about your experience with Michael. Your recommendation means a lot to us, and we're here to assist you whenever you're ready in the future.

Steve M 2024.12.21

     

Great finance and property newsletter with very relevant content. Buyers advocate and AI platform summary in the last communication was fantastic!

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Reply from BIR Finance 2024.12.21

Thank you for your wonderful feedback, Steve! We're thrilled to hear that you find our newsletter relevant and helpful. We appreciate your support and look forward to providing you with more valuable content in the future!

Swati Gupta 2024.06.24

     

Michael has a wealth of knowledge. He is very responsive, thorough and efficient. He explained all the options clearly and was really quick to answer my queries. I highly recommend BIR Finance for anyone seeking a smooth and professional mortgage experience!

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Reply from BIR Finance 2024.06.24

Thanks for the stellar review, Swati! We're glad that Michael's expertise was of great help to you. It's fantastic to know that you had a smooth experience with BIR Finance. Looking forward to serving you again!

Australian Securities 2024.05.28

     

Michael Royal partnered with us in the successful settlement of a loan assisting retirees in completing the purchase of an off the plan apartment. As the mortgage broker, Michael provided outstanding support and professionalism throughout the entire process. We appreciate the seamless collaboration and look forward to more successful ventures ahead in the private lending space.

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Reply from BIR Finance 2024.05.30

Thank you for your exceptional feedback! We are grateful for your acknowledgment of Michael's contribution and tireless effort. It was our pleasure to assist our client and you get a solution in place - when other lenders were saying 'no'. We look forward to continuing our successful partnership on future matters.

Marianne Davies 2024.05.03

     

Micheal is very helpful and knowledgeable. Always great to deal with

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Reply from BIR Finance 2024.05.04

thanks Marianne! always great to be able to assist!

Karina Ellis 2024.03.10

     

Michael was very helpful when I needed help. I would definitely recommend his company. I also intend to use his services in the future.

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Reply from BIR Finance 2024.03.10

Wow! Thanks so much Karina! It was a pleasure helping you assess whether you were getting a good deal!