James Michael is the founder of Finer Finance, an independent brokerage dedicated to helping Australians secure the right financial solutions with confidence. With more than a decade of experience in the banking industry across a variety of lending roles, James brings a genuinely holistic approach to every client interaction.
Finer Finance specialises in Home Loans, Refinancing, Investment Property Loans, Commercial Lending, Asset Finance, and SMSF loans—always backed by personalised advice and ongoing support.
James believes great outcomes are built on strong relationships grounded in trust, loyalty, and clear goal‑setting. His mission is simple: to guide clients through every stage of their financial journey with clarity, care, and expertise.
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29 Reviews
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Sam Edwards
James helped me buy my first home and turned what felt like an overwhelming, confusing process into something clear and manageable. He took the time to explain every step and guided me through the application from start to finish. We even secured approval in less than 3 days! I couldn’t be happier with the outcome and would highly recommend him to anyone looking for a knowledgeable, hardworking mortgage broker.
Larry Damons
James was amazing throughout the entire process. He helped my wife and I consolidate our lending across two banks and refinance into a much simpler structure with a lower interest rate and repayments. He even came out to our home, which made everything so easy and convenient. His communication, attention to detail, and knowledge were outstanding from start to finish. We couldn’t recommend him highly enough!
Jay M
James helped me refinance my home loan and consolidate my debts into one loan. My scenario wasn't straight forward and he took the time to clearly explain everything, making the whole process easy to understand. His communication was excellent throughout, always keeping me updated along the way. I’m really happy with the end result and would highly recommend his services. Best broker ever dealt with
Mladen Bijelic
James was fantastic in helping us navigate all our finance options. He took the time to explain everything in detail and made sure we fully understood each step. With a young family, it wasn’t always easy to find time during the day, but he was always available to chat after hours and worked around our schedule. He made the whole process smooth and stress-free — we really appreciated his flexibility and support. Highly recommend!
JohnJRTR
James recently helped us consolidate our debts and refinance, and we couldn’t be happier with how it all turned out. He was great to deal with - always quick to respond, kept us in the loop the whole way, and took the time to explain everything so it made sense. He really made what could have been a stressful process feel straightforward and easy. We’d happily recommend him to anyone looking for a knowledgeable and reliable mortgage broker.
John Joyce
James recently helped me refinance my home loan and organise an investment loan for a new purchase. I initially reached out to him after my previous lender offered no real solutions and they didn’t take the time to understand my situation. James was the complete opposite. He listened, understood my goals and worked through lender options that could support my future borrowing needs. His communication was excellent throughout and he made the entire process feel smooth and stress-free. I’d highly recommend him to anyone looking for an experienced and reliable mortgage broker.
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Areas Serviced
Specialties
Residential Lending
SMSF Loans
Refinancing
Commercial Lending