Meet Michael Royal
Michael Royal
Finance Specialist and Founder
0411 190 474
Michael.royal@bir.net.au
What got you into finance?
I have always had an interest in business and have had a natural affinity with numbers (and through my Mum and Dad, words). Even at a young age, my parents recalled me sitting on the loo counting the tiles on the toilet wall – a fascinating insight into things to come!!!
After a career in insolvency and business turnarounds, I wanted a new challenge where I could help people make great decisions. A guy I knew who was a finance broker suggested I join him in finance as I did not ‘talk like a broker’ – I guess I took that as a compliment!
What I really love is helping people and providing them with clarity so they can see what they need to do to achieve their goals. Even when doing insolvency, I saw my role as providing a clear path for all the stakeholders so they could continue on with their lives ‘post insolvency’ in a positive manner.
Life is a journey where you continue to learn. For me, my learning came from my qualifications and reading (thanks Daniel Pink, Malcolm Gladwell, Simon Sinek to name a few of the more recent additions!).
So, continue to learn in a way which excites you and energises you. Life is long and you only spend a short time at your destination!
What are some of the gems where you live?
I live in Newport within Hobsons Bay, Victoria. We are a bayside suburb but without too much traffic. Not too many people have to ‘go through Newport’ to get to somewhere else.
Not only do we have lots of bayside tracks for bikes, runners and walkers (and stroller-pushing parents) with a nice sea breeze to keep us cool, but we also have a real treasure in Newport Lakes – an old quarry that is now a sanctuary for natural wildlife. Plus, I love our local shops and coffee makers!
FAQs
Working with BIR Finance
What services does BIR Finance offer?
BIR Finance arranges home, investment, commercial, construction, SMSF, asset‑finance, working‑capital and personal loans. We also connect clients with trusted property and finance professionals.
There are three things we do that make us unique:
- Wealth creation: Our focus is always on your wealth creation. We do this in a number of ways:
- By showing you the lowest repayment options amongst those lenders who will lend to you
- By showing you smart borrowing strategies to minimise your interest payments
- By introducing you to professionals in the areas of buying and selling properties as well as financial and property investment advice.
- By introducing you to professionals in the areas of buying and selling properties as well as financial and property investment advice.
- Financial empowerment: We provide you with the information you need so you are empowered to make the right financial decisions which are suitable for you. As we say, ‘Our job is to give you choice to make an informed decision; your job is to choose!’
- Transparency: At all times we are 100% transparent – so we never keep you in the dark and we never withhold information which is relevant to your decision making. From day one of your journey with us, ‘You see what we see’
#HomeLoans #InvestmentLoans #CommercialLoans #MortgageBroker
Who is Michael Royal?
Michael Royal is the Founder and Chief Finance Specialist at BIR Finance.
He has been a Partner in the world’s largest accounting firm and a registered Liquidator with ASIC and the Supreme Courts of New South Wales and Victoria.
As a Chartered Accountant with a Bachelor of Economics, Master of Business Administration and Diplomas in Mortgage & Finance Broking and Real Estate, Michael maintains his knowledge at the highest level for both personal and business borrowing requirements.
And, with his various senior roles in insolvency, accounting, and business restructuring, as well as many years on boards, he is able to harness his real-life experiences so you are able to make informed decisions.
He has a deep understanding of business operations, having led turnaround and restructuring projects internationally.
His expertise ensures that BIR Finance not only sources loans but also provides strategic financial solutions to help clients optimise their financial position.
Connect with him on LinkedIn.
#MichaelRoyal #BIRFinance #FinanceExpert #MortgageBroker
Where is BIR Finance based?
We are wherever our clients are! Whilst our office is located in Williamstown, Melbourne, our clients are based Australia-wide – and some are even located overseas!
How does BIR Finance deal with clients who are not able to visit their office?
Particularly since Covid, the mortgage broking business – and in fact the banking industry as a whole – has rapidly changed from ‘bricks and mortar’ offices to online meetings, phone calls, emails and SMS.
Using the latest in secure online platforms and digital communication tools, our clients receive the highest level of service and information no matter where they are located.
And, with our prompt sharing of information, our clients are always well informed with the latest information relevant for their decision making.
For the secure delivery of documents to us, BIR Finance recommends clients deliver their documents via a secure online platform which has been set up for this purpose. This method also delivers many benefits such as easy to upload, easy to add notes and easy to check what has and has not been provided to us. And, we can quickly send messages back to you via this same platform.
#birfinance #mortgagebroker #australia #homeloans #nationwideservice
Why use BIR Finance?
We genuinely care for our clients – every step of the way.
When we develop our systems or processes, we view these through the lens of ‘Is this what we would like to experience if we were our client?’
Whilst our core business is to provide our clients with financial solutions, the most important aspect is that our clients are being given the information they need to make the decisions which they believe are in their best interests.
To achieve the best results for our clients, we focus on three key pillars:
- We assist our clients create wealth through saving money on their loans and giving access to a wide range of experienced professionals in the property and related industries.
- We always seek to empower our clients so they can make informed decisions, based upon all the relevant available information.
- ‘What we see, you see’ We assist our clients make these decisions by always being 100% transparent in all we do. ‘What we see, you see’.
What types of loans are available through BIR Finance?
BIR Finance offers a comprehensive range of loans tailored to both individuals and businesses. Our loan types include:
- Home Loans: Whether you’re buying your first home, upgrading, or refinancing, we help you find the right loan for your lifestyle and goals.
- Investment Property Loans: Structured for property investors looking to grow their portfolio with tax-efficient, well-financed solutions.
- SMSF Loans: Enabling your Self-Managed Super Fund to invest in property under strict compliance requirements.
- Lo Doc Loans: For you, your business or your SMSF, lo doc loans are often the best way to obtain finance, particularly for many self-employed clients who may not have standard income documentation.
- Working Capital Loans: To support business cash flow, operations, or seasonal needs.
- Commercial Property Loans: For business owners and investors buying offices, warehouses, or retail spaces.
- Construction Loans: Funding for building new homes or developments, with staged payments aligned to the construction timeline.
- Asset Finance: For purchasing business vehicles, machinery, or equipment, allowing you to conserve working capital.
- Unsecured Personal & Business Loans: For short-term funding needs such as debt consolidation, renovations, or business growth.
We assess your financial circumstances, long-term plans, and borrowing capacity to match you with the most suitable product across a panel of 120+ lenders. Each recommendation is backed by our transparent, lender-agnostic process.
#LoanOptions #HomeLoans #InvestmentLoans #BusinessFinance #MortgageBroker
Why choose BIR Finance instead of a bank?
Unlike banks, BIR Finance:
✅ Offers access to over 120 lenders, filtering options to only those that match your needs
✅ Provides lender-agnostic recommendations based purely on your best interest
✅ Uses advanced data-driven analysis to determine your borrowing power
✅ Maintains a client-first approach, ensuring you are informed and in control at every stage
We believe that ‘if there’s one lender, you have a deal. If there are two or more, you have a choice!’ This empowers you to make informed decisions rather than settling for a single bank’s limited options.
#MortgageBroker #BankAlternative #FinanceExperts