Reviews
Incredibly knowledgeable team. My financial circumstances were particularly challenging. Justin and the team have helped me purchase a new property, on more than one occasion. Highly recommend their service.
We couldn't speak more highly of these guys! Michael and the team assisted my partner and I in finding the most suitable mortgage options for purchasing our first home, and made the whole process go as smoothly as possible. Explained things in a way that made sense, super prompt responses to all our questions. Definitely recommend!
MJ Financial Chiefs were great to work with. They were very quick to respond to enquiries and managing our refinancing and very patient when I wasn't as quick responding. We received fast approval and would absolutely recommend them or work with them again.
Highly recommend Justin and the team! Went above and beyond for me and my husband refinancing our home!. Again thank you. We will be back
The guys as MJ Financial chiefs have been great for us - firstly in helping navigate the settlement of our land loan and then the build loan that has followed. Communication all the way through has been helpful, clear and calming. Their knowledge of what to expect and how to plan and progress through each stage has been super and greatly appreciated. Highly recommend anyone needing help through for their mortgage and finance needs to give Justin, Michael and Dyl a go!
Couldn’t be happier with the quality of work given to us by Justin and his team. They have assisted us every step of the way with professionalism and kindness! We couldn’t be happier 🙂
Michael from MJ financial chiefs has been so easy to deal with. The information provided and the communication between us has been seamless, his assistance in buying our property has been first class.I would highly recommend MJ financial to anyone and personally wouldn’t use anyone else now.
Justin was awesome helping me to refinance my investment property loan to get a better interest rate
Michael has assisted us with 2 home loans and we cannot fault his service. He is quick to respond, super helpful, and has always made the process straight-forward and stress-free for us. Highly recommend Michael and the team!
Michael and Justin have been fantastic to deal with over the past 5 years. 2 home loans and 2 car loans later I couldn’t be more satisfied with the service.Would highly recommend to anyone.
Michael at MJ Finance is exceptional. He's our go-to person for car and house loans. His expertise, responsiveness, and dedication make him highly recommended.
Couldn’t recommend Justin more! Incredibly efficient and amazing communication. I was blown away by how quick he had everything sorted
Justin has helped us with all our mortgage needs from first home loans to now refinancing. His skills and professionalism is outstanding and has saved us hundreds of dollars. Highly recommend. An easy 5/5 star review.
Michael at MJ Financial Chiefs has been incredible to work with. I first got in contact with him to ensure we could have everything in order and see what our borrowing capacity was for when we found a property to purchase. That quickly turned into we have found a property and placed an offer. All for which Michael was there along the way to support us and answer any questions we had. The high level and promptness of his work in even the most challenging situations was outstanding.This is not our first property or first time dealing with a broker, but this was by far the easiest and smoothest dealing we have ever had and it certainly was a very unique situation we had.Our work with MJ Financial Chiefs will continue after settlement and I highly recommend to anyone who is looking to begin and/or continue their property and financial journey.Thank you.
Couldn’t recommend Michael and the team any more !!!We got in contact with Michael as we were starting to look for our first home and it was the best decision we made. From the very start of the process Michael has been approachable, available, professional, patient and caring. The effective communication and genuine care Michael showed us made the whole process of buying a house so much better!We can’t thank Michael enough for helping us through this process!
I cannot recommend MJ Financials enough! Their expertise and dedication have truly made a significant impact!From my very first consultation, Justin Smaluch have displayed deep understanding of my requirements and tailored a comprehensive plan to achieve them. He is very knowledgeable, extremely approachable , exceptional customer service skills making is easy to understand concepts. Whenever i had questions or need clarification, Justin was quick to respond and provided clear explanations.MJ financials is the way to go if you are looking for a financial partner. They have earned my trust and confidence and i am excited to continue working with them in the future.A BIG thank you!RegardsAJ
We were so glad we found Michael to assist us with our loan after our previous broker refused to help. Michael was so professional, kept us informed along the way and most importantly is always available for any questions we may have. Thank you so much Michael we appreciate your service more than words can say as you made our dream come true! Highly highly will recommend him to everyone !
I first enlisted the expert assistance from Michael when I embarked on purchasing my first property in 2016. After a very successful and smooth experience, I didn't hesitate to contact Michael for income protection, life and TPD insurance and again for the purchase of our family home late last year. Can't fault Michael's work, he is always very prompt getting back to emails and calls and answers all questions we've had in an easy to understand manner. Michael is our "go to" for any financial assistance and advice. Thank you chiefs!
Michael had been fantastic to deal with, he is knowledgeable, responsive and patient when asked 1001 questions. He has been fantastic helping us successfully apply for a home loan under tricky circumstances and he nailed it where other brokers had failed. Michael was able to think outside the square and really pushed for a positive end result. Michael has also purchased shares on my behalf and the process was very smooth and easy for navigate. If I could give MJ Financial Chiefs 10 stars I would!
MJ Financial Chiefs are excellent! Justin was able to make purchasing my first home very easy. Justin helped me understand my borrowing power and immediately answered any question I had along the way on the journey to my first home purchase. Justin listened to my situation, then went above and beyond to ensure the entire process went as smoothly as possible.I definitely recommend MJ Financial Chiefs, and will continue using them in the future.Thank you for all the help!
I was referred to Justin 2 years ago when I first started looking at options to purchase my first home. It’s been 2 years lol but we’ve finally gotten there and I can’t thank Justin enough for his advise, patience and guidance while I navigated through this process and chose a place to settle down. He communicates quickly and always takes the time to answer any questions. Highly recommend MJ Chiefs and I will absolutely be working with them again!
Excellent result by Justin - knowledgeable, prompt, understanding and genuine.During our dealing with Justin, he took his time to listen and understand our plan and completely removed that burden completely from the get go. To add on top, everything was transparent and upfront, which gave us comfort and a complete trust that his recommendation is based on our best interests.Upon this dealing, safe to say that Justin will now be our main contact for future purchases and refinancing.
Highly recommend Michael and Justin!!!My partner and I came to these guys to help us find our first home and the process was made stress free. If you are in the search for the best in the business, then you have definitely found them. Quick responses, always reliable and friendly service.Thanks so much for helping us achieve our goal.
Justin was amazing in assisting with our refinance and was able to secure us a much lower rate! He made the process so quick, easy and stress free. Such a great experience and we can’t wait to continue working with Justin in the future!
Dealing with Justin was refreshing, as he was always available to explain any questions my partner and I may have had and ensured us throughout the process.Despite having some issues with parts of the process he was easily able to rectify these issues and get us back underway to stay on target for settlement.Would recommend especially to people just starting out with looking for a house as he has profound understanding of what is required and explains the requirements in a way that doesn't make you feel stupid.Thanks Justin and MJ Financial Chiefs!
Michael from MJ Financial Chiefs helped us purchase our family home and we can't speak more highly of the service he provided. We had an extremely short settlement period and Michael worked tirelessly to ensure our loan was approved in that time. His communication was second to none and we were kept in the loop at every step. We would have no hesitation recommending Michael and the team to assist with your financial success!
Exceptional service!I was very happy with the Chiefs’There commitment was 💯 from day one.The services I was approaching them for !Was Very Professional ⭐️
I was looking at refinancing my home loan and was recommend Justin from MJ Financial Chiefs from a couple of friends. Justin made the process so simple and straightforward and was able to find the best rate for me and my situation. If you want to save some money I highly recommend reaching out to MJ Financial Chiefs
Michael was on the money from the get go. I threw so many alternative option. I wanted to know about home loans, investment properties, business loans, you name it. He was quick and efficient with his numbers and was a great help securing out beautiful home. Highly recommended and will use his service again!
Dealing with the boys from MJ Financial Chiefs was effortless. Always available when I needed them, their response times were so quick. Made the whole process easy.I definitely will be going back to their services when I need to, highly recommend to others to do the same.
I highly recommend MJ Financial chiefs. We refinanced our existing home loan and also took out an investment loan and not once did I have to deal with the banks! The whole thing was so easy and went so smoothly and quickly. Justin was an absolute pleasure to deal with and got us exactly what we wanted.
About The Chiefs
MJ Financial Chiefs was established by Michael and Justin as a way to help friends, family and the extended community to reach their financial and lifestyle goals.
Since beginning the business in 2018 we have specialised in helping a vast clientele in areas including Financial Planning and Mortgage Broking.
Finance For Every Situation
Whatever you need, we can help:
TAILORED FINANCE OPTIONS
We’ll help match you with suitable loans
from 50+ mortgage lenders
24 Hour Turnaround – Borrowing capacity assessed and returned to clients in a timely manner.
Retirement – Tailored investment strategies to suit present or future retirement goals.
Ongoing Advice – Navigation through the different stages of life including; home purchases, having children and retirement.
Education Blog
Mortgage Brokers – How We Help You
Mortgage Brokers connect people who are looking to borrow money to purchase property or refinance and existing loan, with a...
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The Vital Connection Between Life and TPD Insurance and Your Mortgage
Owning a home is a major financial milestone, and your mortgage represents a significant commitment. But have you considered the...
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The RBA Explained
We've all been hearing about the 'RBA' in the news, but what is it? and why does it impact how...
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LVR – Impacting Home Loan Interest Rates & Fees
The Loan to Value Ratio (LVR) shows how much a property is being bought with debt (bank loan) compared to...
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$1,114 Increase In Monthly Loan Repayments in 2023 For Fixed-Rate Borrowers
The RBA is expecting over 800,000 households to experience a massive increase in loan repayments as there fixed-rate mortgages expire...
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The Big Decision – Variable v Fixed Interest Home Loans
When assisting our clients through the process of purchasing a home, a question we often receive is; "Should we fix...
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Introduction To Interest Rates & Ways To Reduce Interest Expenses
Regarding home loans, interest is basically the cost of money charged to the borrower (homebuyer) in order to compensate the...
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Home Equity – Impacting the Cost and Refinancing of Mortgages
When talking about property, Equity refers to the amount of the property value that is owned by the home-owner. When...
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Extra Mortgage Repayments – Banks Don’t Want Borrowers To Know This!
As borrowers, we should know all the strategies to save as much money as possible over the loan term. If...
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Credit Scores – How Financial Behaviour Impacts Your Borrowing Capacity
Credit Scores - They're the hidden numbers that constantly track our credit card behaviour, bank account balances, and loan repayments....
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Mortgage Refinancing – The Saviour of Borrowers in 2022
Refinancing… It's been the hot topic of the housing market as rising interest rates and inflationary pressures push consumer confidence...
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$1,000 Gift Card Referral Competition
Every 3 months, the Chiefs will be giving away $1,000 in gift cards to a lucky winner who has referred...
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CONVEYANCERS – THE HIDDEN GEMS OF PROPERTY TRANSFERS
The services conveyancers provide is quite broad and spans from pre-purchase all the way through to settlement when the buyer...
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FINANCIAL YEAR 2023 – 40,000 NEW PLACES RELEASED UNDER THE HOME GUARANTEE SCHEME
The new financial year as of July 1 2023 brings in new opportunities for first home owners to enter the...
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Minimising Interest – Offset and Redraw Facilities
We as homebuyers who have relied upon mortgages to help purchase property are always looking for ways to minimise our...
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Strategies to combat rising interest rates
Soaring house prices over 2021 have reduced housing affordability for many homebuyers, especially younger first-home buyers. Saving up a 20%...
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Stamp Duty Exemption
Stamp Duty (Land Transfer Duty) is a tax charged by the state government upon the purchase of property. The amount...
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In’s & Out’s of Lenders Mortgage Insurance
Looking to buy around Melbourne or anywhere in Australia? Then this is a must read, learn about Lenders Mortgage Insurance,...
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Guarantor Home Loan
A guarantor home loan is a potential strategy for new home buyers (not just first homeowners) which reduces the upfront...
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Government Assistance for Businesses & Households
Over the weekend, the Australian Government announced its economic support package to help Australians who are under financial stress as...
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