Mike Mitchell

About Mike Mitchell

Mike Mitchell is a Brisbane Finance and Mortgage Broker and Director of Monet Finance, based in Oxley. He specialises in helping self-employed Australians and business owners refinance, consolidate debt and navigate lending situations that do not always fit a standard bank application.

For self-employed borrowers, the challenge is often not whether you earn enough. It is finding a lender that understands how your income is earned, structured and evidenced.

Mike takes the time to understand your business, personal finances, current lending and future plans before comparing suitable options from a broad panel of lenders. Depending on the circumstances, this may involve reviewing company profit, trust distributions, retained earnings, legitimate add-backs or alternative income documentation.

Clients commonly approach Mike when they want to:

• Refinance an existing home loan
• Consolidate eligible credit cards, personal loans or other debts
• Reduce pressure on their monthly cash flow
• Access equity for renovations, investment or another worthwhile goal
• Finance a home or investment property
• Find a lending pathway after their bank has not fully understood their income

Refinancing or consolidating debt is not automatically a better outcome. Mike considers the interest rate, fees, loan term, repayments, loan features and total interest cost so clients can understand both the immediate benefit and the longer-term trade-offs.

In addition to self-employed refinancing and debt consolidation, Mike can assist with:

• Owner-occupied and investment home loans
• Self-employed and alt-doc lending
• First home buyer finance
• Construction and bridging loans
• Equity release
• Commercial property and business finance
• SMSF property lending
• Asset and equipment finance

Mike is known for breaking down complex lending policies and finance strategies into clear, everyday language. Clients work directly with him throughout the process, from the initial strategy discussion through to application, settlement and ongoing six-monthly loan reviews.

His broader background includes more than 12 years in business leadership, together with degrees in computer engineering, business and psychology. Mike also holds a Diploma of Finance and Mortgage Broking Management and a Certificate IV in Finance and Mortgage Broking, and is a member of the Finance Brokers Association of Australia.

Consultations are available by video across Australia or in person for clients in Oxley, Mount Ommaney, Jindalee, Jamboree Heights, Westlake, Graceville, Corinda and surrounding Brisbane suburbs.

If you would like to know whether your current lending could be improved, start with a straightforward conversation with Mike and Monet Finance.