You’ve found the right property...
...and need to borrow to buy it?
Why Circle Finance Group?
We're here to help with advice for the right loan.
Smart strategies
Whether you're a first-time homebuyer or expanding your property portfolio, it’s a decision you want to get right. We’ll devise a flexible lending strategy considering your big-picture plans while reducing risk and minimising costs.
More clarity, less complication
We untangle the mortgage maze and reduce the overwhelm, so you can borrow confidently, achieve your goals, and get ahead sooner – at no cost to you.
Your long term success
We’re here for the long run, supporting all your borrowing needs, from keeping your loan in check to finding better rates and unlocking long-term savings.
Loans that suit your individual needs, achieve your goals and save you money
Buying a home
Ready to step into your next property or buy your first home? We provide insights on the right loan structures, costs, and timing that aligns with your needs.
Smart refinancing
A regular health check of your home loan means as interest rates fluctuate and competitive products emerge, we can assess if there are better options to help you get ahead.
Renovating or extending
Planning home improvements? With our diverse loan solutions and access to lenders we’ve got your unique renovation or extension needs covered.
Buying an investment property
We help unlock the potential of your property portfolio with strategic finance solutions. By collaborating with your other professional advisers, we ensure your loan structures are tax effective and align with your investment goals.
Purchasing through a Self Managed Super Fund
Navigating SMSF lending is complex and requires expertise. We work closely with your Financial Planner, Accountant, and Solicitor to find suitable and competitive SMSF loan products.
Comprehensive financial management
We can introduce you to our broad network of referral partners and service providers, from financial planners and accountants to buyers' advocates and real estate agents to help manage all your financial needs.
This is why we do what we do
Our clients love the Circle Finance Group experience
But don't just take our word for it - hear what they have to say!
Mikoto D.
Michael has been so patient with my husband and I. He knows how to explain difficult concepts in a way that we could understand. Michael gitvus such a great deal and I'm so happy we decided to use his services. Thanks Michael.
David S.
We had a great experience working with Michael. He helped us transition from our long term lenderto a new provider and got us a better deal across our portfolio of properties. I would highly recommend him.
Brooke W.
Michael is the ultimate professional, always with his client's best interest front of mind. Our business 8 Point Building Inspections have worked with many of his clients during their property purchase journey, which can be one of the most stressful things to experience and they have always spoken so highly of the experience and care that Michael has shown them. I would highly recommend his services!
Michael E.
I've worked with Michael for many years and have always found him highly professional and proactive in his approach. I have referred multiple clients to him who have only had positive feedback about their experience and outcome. I would highly recommend Michael for anyone looking for an approachable and professional mortgage broker. Thanks for always looking after my clients well!
Bradman L.
Had a great meeting with Michael, really impressed with the lending strategies he provided, I would highly recommend him for lending advice
Glenn
Michael, successfully, solved an unusual financing situation for me with detail mindedness and clear communication. Thanks Glenn
Sean H.
It is a pleasure to write a recommendation for Michael and his business. I have never had such knowledgeable, attentive, financial professional in my life. We highly recommend Michael to anyone seeking financial assistance to secure a mortgage.His professional acumen is only eclipsed by his caring attitude. We would recommend Michael as your first port of call for guidance that is seamless for any financial need.
Jai P.
Refinancing wasn't something that I was originally looking into but Michael was able to clearly explain how it all worked, answer any questions I had along the way and get a lot of the work done on by behalf. He's been a great communicator and ultimately helped me land a place that ticked all of my requirements (and at a better interest rate than my old bank!), couldn't recommend Michael enough and keen to continue working with him in future.
Kristyn B.
Thank you Michael, your assistance and advice to realign and refinance our home loan has been fantastic. From initial consultation all the way to settlement, we have appreciated your hands on approach and continued communication has been amazing. You made a daunting task a breeze and now we can enjoy the benefits of a better rate for our home loan. Thank you
Paul R.
Can’t speak highly enough of the service we were provided by Michael. Constantly touching bases and answering questions on topics that can be stressful in the financial process. Will definitely consider his help and expertise to hopefully expand and grow a portfolio.
Raechella S.
Michael made the whole process when we decided to refinance our mortgage feel easy and stress-free. He was thorough, clear with his information, and incredibly supportive from the start. I wouldn’t hesitate to recommend him!
Laura G
Highly recommend Michael - he made the process of getting finance for first home stress free. He is very knowledgeable and talked us through each step of the process, always available to answer our questions. Thanks again!
Tim O.
Michael is an absolute star. Goes above and beyond to deliver a great experience. Communication is first class. Highly recommend.
Ben H.
We had an excellent experience working with Michael at Circle Finance Group. As novices in the property space, we really appreciated his clear guidance and expertise in refinancing our loan and mapping out our future property journey. He took the time to explain every step, making the process seamless and stress-free. Michael’s professionalism, patience, and deep knowledge gave us confidence in our decisions. Highly recommend his services to anyone looking for expert financial advice!
Julie M.
As a Property Conveyancer, I recently had the pleasure of working with Michael Lawes at Circle Finance. I am very impressed with Michael's expertise, professionalism and dedication to his clients. Michael made the mortgage process smooth and stress-free, always available to answer questions and provide clear guidance to our mutual client. I highly recommend Michael to anyone seeking an experienced, reliable and professional mortgage broker.
Mason C.
Micheal was incredibly helpful throughout the entire mortgage process, guiding us from start to finish. He was always prompt and clear in his communication, making everything much easier to understand. I highly recommend him to any first-time homebuyer!
Nicole P.
I have been dealing with Michael from circle finance for some time now and I have found him to be patient, experienced and extremely professional. My clients that use Michael for all their finance needs are impressed with his efforts to get a deal over the line and the rigorous way he pursues all options. Plus he's a really great guy! keep up the good work Michael and look forward to working with you on many more.
Clinton T.
Michael is incredibly diligent and professional. I highly recommend him.
Lara R.
Michael was very helpful at all stages of the process and available while I was looking for a Home Loan.
I have no hesitation in recommending Michael if you are looking for fantastic advice.
I now have my dream Home thanks to him. 😊
I have no hesitation in recommending Michael if you are looking for fantastic advice.
I now have my dream Home thanks to him. 😊
Krystal R.
Michael made the purchase of our house so simple. We came into this process completely clueless but was totally at ease throughout the whole journey thanks to all the support we received.
Michael was professional diligent and incredibly responsive.
Overall a great experience and would absolutely recommend Michael for your mortgage needs.
Michael was professional diligent and incredibly responsive.
Overall a great experience and would absolutely recommend Michael for your mortgage needs.
Scott T.
Michael from the Circle finance group was an absolute pleasure to deal with .
He stepped us through the entire process , with regular updates and meetings. He made the journey of buying our dream home so much easier with great communication and understanding of the process.
Would highly recommend to use their services.
He stepped us through the entire process , with regular updates and meetings. He made the journey of buying our dream home so much easier with great communication and understanding of the process.
Would highly recommend to use their services.
Vanessa B.
Michael was an excellent mortgage broker, coming to our rescue to push through an approval in an exceptionally short timeframe. His communication was fantastic, we felt very well supported from pre-approval through to settlement and beyond. Would highly recommend Michael to anyone needing his services.
Amy P.
Michael, thank you for consistently being available to answer my questions about remortgaging my home. Your clear instructions, regular check-ins, and follow-up emails kept my stress levels in check throughout the entire process.
For anyone seeking an authentic experience, and the best service, I highly recommend reaching out to Michael.
For anyone seeking an authentic experience, and the best service, I highly recommend reaching out to Michael.
Fab Ornate G.
Thank you Michael, for the stress-free journey on the path to acquiring our new home
As owners of a small business, it can be a complex exercise to find a suitable lender and from our first point of contact with Michael, we knew that we were in good hands.
Drawing on Michael’s experience and knowledge, we were soon provided with the best available options and in no time, we were looking for our new home with pre-approved finance.
We were very impressed with Michael’s support and guidance through the entire process.
Very rarely do we experience the level of customer service that was afforded to us by Michael, including follow up calls post settlement to see if further assistance is needed.
We would highly recommend Michael.
Jamie & Sue
As owners of a small business, it can be a complex exercise to find a suitable lender and from our first point of contact with Michael, we knew that we were in good hands.
Drawing on Michael’s experience and knowledge, we were soon provided with the best available options and in no time, we were looking for our new home with pre-approved finance.
We were very impressed with Michael’s support and guidance through the entire process.
Very rarely do we experience the level of customer service that was afforded to us by Michael, including follow up calls post settlement to see if further assistance is needed.
We would highly recommend Michael.
Jamie & Sue
Steve L.
Very professional service and excellent financial industry knowledge
Kate H.
Recently had the pleasure of having Michael and the Circle Group team organise the finance for our first investment property. His knowledge and understanding was amazing, and nothing was a hassle. He walked us through every step, from an equity loan on our current house to the investment loan for the property we purchased.
Michael was able to break everything down and give us multiple options to choose from. He negotiated to lower our current interest rate and managed to push through applications and processes at a very busy time of year.
I would highly recommend you speak to Michael and the team at Circle if you're after any help with dealing with the banks. His network is vast and his work thorough and professional.
Michael was able to break everything down and give us multiple options to choose from. He negotiated to lower our current interest rate and managed to push through applications and processes at a very busy time of year.
I would highly recommend you speak to Michael and the team at Circle if you're after any help with dealing with the banks. His network is vast and his work thorough and professional.
Robert T.
I’d been thinking about refinancing for a while but imagined it being a long, difficult process. It isn’t with Michael. He made the process so easy from start to finish. Within two weeks of first contacting Michael, I had a new home loan with a substantial rate discount and $2000 cash back in my pocket. Highly recommended, Michael does all the hard work and guides you every step of the way. I recommend everyone review their current loan and Michael is a great person to help you do it.
Tim H.
Couldn’t recommend Michael more highly - as a self employed business owner navigating the loan market was difficult, however Michael made it simple! (And we got the loan!)
Trent W.
Michael offered an excellent, personalised service. He went above and beyond to make sure our home loan was locked in as soon as possible and settlement went smoothly. Highly recommend!
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