Michael Flinos's Background
Michael Flinos'

Michael Flinos

Mortgage Broker

Balcombe Financial

5.0 ( 31 Reviews)

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About Michael Flinos

Balcombe Financial was founded by finance and mortgage broker Michael Flinos, a former banker with over 20 years of experience across corporate banking, loan origination, relationship management and property finance. A full member of the Mortgage and Finance Association of Australia (MFAA), Michael holds a Bachelor of Commerce and a Diploma in Finance and Mortgage Broking Management, bringing both the academic grounding and real-world know-how that clients can rely on.

Having spent his career on the inside of Australia's major banks, Michael understands exactly how lenders think, how credit decisions are made, and how to structure finance in a way that works. That inside knowledge is what he built Balcombe Financial on when he founded the firm in 2018, with a clear purpose: to make property finance straightforward, stress-free and genuinely client-focused.

Today, Balcombe Financial helps everyday families, investors and business owners across Australia secure the right lending for their situation. Whether it's a first home purchase, a refinance, an investment property or a complex commercial finance requirement, the team takes the time to understand each client's goals and does the hard work behind the scenes so clients don't have to.

With access to a panel of over 40 banks, non-bank lenders and private financiers, Balcombe Financial can find the right fit rather than simply the most convenient one. Loan applications are prepared thoroughly and only lodged when the team is confident they will succeed. And for residential clients, the service comes at no direct cost.

From the first conversation through to settlement and beyond, Michael and the Balcombe Financial team are in your corner every step of the way, removing complexity and keeping you informed so you can focus on what matters most.

Reviews for Michael Flinos

5.0

31 Reviews

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Jeremy Gleeson

Michael was a pleasure to work with. He was extremely thorough and responsive, and he made the whole process of securing our pre-approval easy to follow. He kept us well informed and guided us through every key decision. I would highly recommend Michael to anyone looking to buy their first property.

George Josevski

I cannot speak highly enough of Michael from Balcombe Financial. From start to finish, the entire experience was absolutely seamless, professional and stress-free. Michael went above and beyond to secure the right loan package for my needs, ensuring I received a highly competitive rate and the best possible outcome. His attention to detail and exceptional communication made the whole process incredibly smooth, with everything organised and finalised in record time. What impressed me most was Michael's genuine commitment to delivering outstanding customer service. Nothing was ever too much trouble, and his knowledge, professionalism and dedication were second to none. A truly flawless experience! I would highly recommend Michael and Balcombe Financial to anyone looking for expert financial advice, competitive loan options and exceptional service. Thank you, Michael, for making what can often be a complicated process so easy and enjoyable!

Matthew Chamberlain

As a property developer, I value people who work hard, follow through and stay committed to getting the job done. Michael at Balcombe has demonstrated a strong work ethic and genuine commitment throughout our dealings. I’ve appreciated his effort and professionalism and would confidently recommend him.

Luke Ryan

We recently worked with Michael from Balcombe Financial for our finance needs, and the experience was outstanding from start to finish. Michael's professionalism, knowledge, and attention to detail made the entire process seamless and stress free. He clearly communicated every step of the way ensuring we understood our options and were comfortable with each decision. What really stood out was how easy he made the process. Michael was responsive, efficient, and genuinely committed to achieving the best outcome for us. We highly recommend Michael and Balcombe Financial to anyone looking for expert financial assistance and we wouldn't hesitate to work with him again in the future.

Marini Milonas

Thanks for all the support in helping us secure our construction loan Michael. You helped us understand what options were available to us and then managed to guide us to the best solution for our needs. Greatly appreciated.

Ryan

We recently worked with Michael for our first home purchase and couldn't have asked for a better experience. As first-time buyers, we had a lot of questions and were unsure about the process, but Michael was incredibly patient, knowledgeable, and always in our corner. He made a complex process feel manageable and was there for us every step of the way until settlement. If you’re looking for a broker who truly cares about his clients, we can’t recommend Michael highly enough!

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