Michael Royal

About Michael Royal

Michael Royal's number one priority is to save you money on your current or next loan. It's that simple!

As a qualified mortgage broker and founder of BIR Finance, Michael Royal is a Mortgage & Finance Broker who believes that saving you money on your loan is one of the easiest ways you can increase your wealth.

BIR Finance takes this approach a step further with three pillars to their business.

#1: Assist you create more wealth.

#2: Financially empower you so you always are in control.

#3: Provide 100% transparency during the entire process. BIR Finance calls this approach to lending ‘what we see, you see’.

Unlike most brokers, Michael has a long and distinguished career in corporate restructuring so he understands complex matters. But, in dealing with complex matters, he also knows the importance of keeping explanations simple so difficult concepts can be easily understood.

Michael Royal is based in Williamstown, Victoria, and he services clients in nearby suburbs as well as across Victoria and Australia. His expertise in the property market both locally and Australia-wide, plus his access to many professionals and databases, makes him a trusted partner for anyone looking to buy a home or invest in property.

At BIR Finance, Michael Royal taps into a vast network of banks and lenders from all corners of Australia. From major banks to private lenders, Michael has a wide range of borrowing options for every situation and he has the skills to distill this large number of lenders to a selection which is right for you and your circumstances. This extensive reach ensures that you, the client, are offered a broad spectrum of loan options, meticulously tailored to align with your unique financial situations and preferences. Whether you're concerned about interest rates, lenders mortgage insurance (LMI), or your credit history, Michael has the knowledge to guide you through the process.

Michael understands that buying a home involves more than just securing a loan. He helps clients navigate the complexities of stamp duty, loan to value ratio (LVR), and calculating loan repayments. His goal is to make the application process as smooth as possible, whether you're applying for a loan for the first time or looking to refinance. With Michael, you can explore both fixed interest rate loans and variable loan rates, ensuring you find the best fit for your financial situation.

One of Michael's key strengths is his ability to assess your borrowing capacity accurately. By reviewing your bank statements and understanding your financial situation, he can help you get pre-approved for a loan, giving you a clear picture of what you can afford. This pre-approval process is crucial in a competitive property market, allowing you to act quickly when you find the right property.

Michael Royal is committed to empowering his clients by providing transparent and comprehensive information. He believes in wealth creation, not just through saving money but also by introducing clients to professionals who can help grow their wealth. His approach ensures that you are always in control and fully informed about your loan options and the application process.

If you're considering applying for a home loan, investment loan, or exploring home equity options, Michael Royal at BIR Finance is your go-to expert. He offers interest rate discounts and can help you set up an offset account to maximise your savings. Whether you're in Newport, Spotswood, Williamstown, Altona, South Kingsville, or any nearby suburb, Michael is readily available to meet with you in person. For those further afield, he is equally accessible via video conference, bringing his trusted expertise directly to you, no matter where you are in Australia.

So, if you're in the market for a loan to purchase property, embark on a renovation project, buy land, or you're seeking to refinance or consolidate your debts, make sure to reach out to Michael Royal, your experienced Mortgage Broker at BIR Finance. Let him pave the way to a smooth and successful financial journey for you.