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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48 Reviews
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Jennifer Rieder
We have been dealing with James the last few years & he has always strived to get us the best interest rate possible. We just refinanced through James when he found us a great interest rate & the process was smooth & straight forward. We will definitely continue to use him in the future & will be recommending him to our family & friends.
Emmanuel Peterson
My wife and I recently purchased an investment property with the help of Finer Finance, and we couldn’t be happier with the experience. James was fantastic throughout the entire process, taking the time to guide us through all of our options. As we’re both self-employed and had recently made a few changes across our business entities, our lending situation wasn’t straightforward. James took the time to understand our circumstances and matched us with a lender that suited our borrowing needs. His knowledge, professionalism, and clear communication made what could have been a stressful process feel seamless. We highly recommend James to anyone looking for a reliable, knowledgeable, and trustworthy mortgage broker.
Simon Sarinas
Finer Finance helped us through both selling our home and buying our new one and we honestly couldn’t be happier. James made the whole process so much less overwhelming by explaining everything clearly, being upfront the entire way and taking the time to walk us through the different loan options available. We’re now settled into our new home and are so thankful for all of James’ support and guidance. We’d happily recommend Finer Finance to anyone looking for a broker who genuinely cares and goes the extra mile.
Abby / Abs
We cannot recommend James highly enough. He has helped us purchase our last two homes, and we genuinely would not have been able to do it without him. He goes above and beyond, guiding you through every step of the process and taking the stress out of what can be an overwhelming experience. His communication is exceptional, he follows up so nothing gets missed, and he is always willing to put in the extra effort, even working weekends when needed. James is incredibly knowledgeable, dedicated, kind, and genuinely invested in achieving the best outcome for his clients. If you’re looking for a broker who truly cares and delivers outstanding service, James is the person to call.
sanya dmitrovic
Five star service and you always know what is the next stage in the process I will always recommend James well done
Ashley Barr
James from Finer Finance was so helpful when I was refinancing my mortgages! He made the process very simple, got me a great deal and also knew how my accountant would want things set up! His knowledge and industry experience made it really clear for me and I definitely felt as though I got the best outcome possible. James was always very friendly and got to know my situation, and would check in and remind me of deadlines as they approached so that settlement went smoothly. Would highly recommend James and his services! Thanks so much again.
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Areas Serviced
Specialties
Residential Lending
SMSF Loans
Refinancing
Commercial Lending