Borrow. Invest. Refinance.
Smarter Finance. Real Results.
We help Melbourne buyers, investors and business owners borrow, invest and refinance with clarity, confidence and transparency.
Mortgage Brokers You Can Rely On
Who We Are
At BIR Finance, we’re not your typical mortgage brokers. Led by Chartered Accountant Michael Royal, we combine financial expertise with straight-talking guidance to make the complex simple. Whether you’re buying your first home, refinancing for a better deal, or investing in property, we’ll help you every step of the way - and check in even after your loan settles.
Explore our loan calculators or read the latest insights on our finance blog.
Melbourne Mortgage Advice & Financial Philosophy
Our Philosophy
We exist to help you Borrow, Invest, and Refinance with confidence. Our three pillars are:
Wealth Creation
- Property investment strategies
- Market insights & case studies
- Long-term wealth growth
Financial Empowerment
- Learn how different loan options work
- Navigate complex financial challenges
- Ongoing support, not just one transaction
Transparent Lending
- Clear, honest advice
- Lender-agnostic recommendations
- Protection from unfair lending practices
Chartered Accountant & Melbourne Finance Specialist
Meet Michael Royal
With a career spanning advisory, strategy, business turnarounds, and insolvency, Michael brings unique insight into finance and lending. Clients value his ability to explain finance in plain English and map a clear path to their goals.
- I don’t talk like a broker — and I think that’s my strength.”
- Connect with Michael on LinkedIn
- Call Michael on 0411 190 474
Community Commitment
When you finance through BIR Finance, 5–10% of our revenue goes to local not-for-profits. Your success helps strengthen the community you live in.
★★★★★ 5/5
My wife and I recently had the pleasure of connecting with Michael to review our mortgage situation as we were considering a refinance. We were both incredibly impressed with his market knowledge and more importantly his generosity of time - Got to know us and understood our situation before making any recommendations. A genuine professional - Highly recommend.
Pete Turnbull
BIR Client
★★★★★ 5/5
Michael did a fantastic home loan broker service for us, and he really did above and beyond his professional service duties. What we most loved about Michael's job was his effective communication style. He gave us visibility to every single step of the home loan progress which many people underestimate how important it is for the client. Above that, Michael has a good sense of humor and is a friendly broker that walks with you along your home buying journey. I recommend to give him a call now!
Azam Oroumei
BIR Client
★★★★★ 5/5
It was a pleasure to chat with Michael on financial and loan issues. I was deeply impressed by his expertise and insight in the relevant fields. He always answered our questions patiently and was willing to share his experience and thoughts, which was really helpful! Excellent experience, looking forward to working together again!
Camille Liu
BIR Client