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.
