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

Residential Property Services

Commercial Property Services

Wishkeeper
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

Blog

Common Terms & Abbreviations

Useful Links

Business Referral Relationships
Latest Blog

2510 October – Monthly Newsletter: Spring listings are up | Build vs buy in 2025 | Best interest rates | Australia’s online media landscape

06/10/2025
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calculators

Check Your Borrowing Power
Contact

Blog

Exploring Variable vs. Fixed Rate Loans in Depth

Introduction When you apply for a loan, you often have the opportunity to select a loan with a variable interest rate or one with a

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