Williamstown VIC 3016

About BIR
About BIR

We help Melbourne buyers, investors and business owners borrow, invest and refinance with clarity, confidence and transparency.

About BIR Finance

Our Philosophy

Meet Michael Royal

What our customers say
Meet Michael

Michael Royal, Chartered Accountant and founder of BIR Finance, helps Melbourne clients borrow, invest, and refinance with clarity and confidence.

Meet Michael
Services
Our Services

From property to business finance, BIR Finance provides expert solutions to help you borrow, invest, and grow — with clarity, competitive deals, and trusted support every step of the way.

Residential Property

SMSF Property Investments

Commercial Property

Asset Finance for Business

Working Capital & Cashflow Finance

Personal & Asset Finance Loans
Not sure what you need?

Talk to us about your finance needs and we can help you figure out what you need.

Book a free consultation
Resources
Resources

Calculators

Home Loans

Refinancing

Other Useful Calculators

Blog

Common Terms & Abbreviations

Useful Links

Business Referral Relationships
Latest Blog

Offset Accounts: Mathematical Benefit, Behavioural Benefit and Smarter Home Loan Strategy

23/03/2026
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calculators

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Blog

14 things big banks can’t or won’t do for you

When it comes to borrowing, having the right loan shopping tips can make all the difference. Big banks may seem like the obvious choice, but

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