Joseph Khalil

Phuong Tran

A big thank you to Joseph and the team at With finance. Joseph is a Wizzard at what he does, very friendly and professional. Highly recommended on all levels.

Teresa Millwood

Joseph has taught us about investing helping us from scratch Thanks

SZ

Joseph and his team did an incredible job helping get our quite complicated bridging arrangement settlement over the line. Joseph is responsive, highly knowledgable and great to deal with. Very highly recommend the services of With Finance.

Karolis Sinkevicius

Joseph has helped me with two mortgages now and has been excellent both times. Very responsive, quick to act and clear with communication throughout the process. He kept things moving, explained what was needed and made the finance side feel a lot easier than it otherwise could have been. Really appreciate the support and would happily recommend Joseph and the With Finance team to anyone looking for a reliable mortgage broker.

Jessica Roumanos

Joey is one of the best finance brokers I have ever dealt with. He was highly recommended to me at the same time my home loan was up for Renewal. I have dealt with other brokers in the past who were not that helpful and wasted my time so i was a bit sceptical at first. He managed to refinance my home loan, consolidate some debts and get us a pretty good deal in downward market. The new home loan was approved in just a couple of days and I am even getting cash back from the new bank. Everything was smooth sailing and Joey was very thorough and accurate every step of the way. For this reason, I would highly recommend Joey Khalil’s services to anyone looking to get a new mortgage or refinance. Thanks for everything, Jessica and Joseph Abboud

Nikita Narayan

I’ve just finalised my construction loan with WithFinance, and I couldn’t be happier with the experience. Construction loans were completely new to me, but Joseph guided me through every step of the process with clarity and reassurance. From the beginning, I made it clear that I didn’t want to feel stretched with repayments, and they made this a key priority when searching for the right lender. I genuinely felt that my financial comfort and long-term security were front of mind throughout. In previous experiences with brokers, I was often asked to provide an overwhelming number of documents—many of which were repeatedly requested or misplaced. WithFinance was refreshingly different. They only asked for what was absolutely necessary for approval, making the process streamlined and stress-free. I was also working with very tight deadlines around settlement and my expression of interest deposit. Despite the time pressure, WithFinance ensured everything was completed promptly and efficiently. Their strong relationships across multiple banks were clearly an advantage, helping secure a smooth approval process and an excellent lending outcome. Overall, I’m extremely pleased with the service and now feel confident and at ease with my investment decision.