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.

Book A Chat

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!

5.0

Law Tean H.

Michael from Circle Finance Group was an absolute pleasure to work with throughout our home buying journey. From day one, he took the time to walk us through our borrowing capacity, pre-approval, and the different loan scheme options available to us, always explaining things clearly and patiently. He made a genuinely stressful process feel manageable and gave us confidence at every stage, right through to settlement. We couldn't have asked for a better broker and would recommend Michael to anyone looking to buy a home. Thank you for everything!

Matilda B.

Michael was fantastic throughout the whole process of getting my home loan. He was professional, responsive and really great to work with.

Shane O.

Michael is fantastic! He has helped many of my clients, and I highly recommended him to all.

Noni R.

Michael has been exceptional when it comes to finding the best rates for us. He is diligent, responsive and genuinely dedicated to acting in the best financial interest of his clients. He breaks down any complexities to simpler steps for better understanding. I would highly recommend him to anyone!!

Alison J.

Michael was amazing in his help securing a great deal for my landlords wishing to re-finance. He is so helpful and made it an easy process.

John S.

Thanks Michael, your advice was superb and your service and attention to detail were amazing. Refinancing can be daunting, especially when you are self employed, you took time to explain the best solutions to suit our needs and we greatly appreciate your expertise. Highly recommended.

Kula H.

Michael is amazing. He is great at communicating, providing advice, and is very fast and efficient. Highly recommend!

Lilly C.

Best broker I’ve ever come across. Highly recommend!

Burak U.

My partner and I recently purchased our first home and we honestly couldn’t have done it without Michael from Circle finance group. From the very beginning, he made the entire process feel so much less overwhelming and was always available to answer our questions and guide us every step of the way. His communication, professionalism and dedication is exceptional, and we always felt like he genuinely cared about getting the best outcome for us. We’re so grateful for all his hard work and would highly recommend Circle finance group to anyone looking for a reliable and supportive broker!

Kayleigh De O.

My partner and I had such an amazing experience working with Michael from Circle finance group, while buying our first home. He made everything smooth, stress free and easy to understand, especially as first home buyers navigating the process for the first time. His knowledge, patience and attention to detail gave us so much confidence throughout the journey. We truly appreciated how responsive and supportive he was from start to finish. We couldn’t recommend him more highly and are so thankful for everything Michael did to help us secure our home!

Jonathon W.

Michael was amazing in helping my partner and I arrange the finance for our new home. His knowledge and guidance throughout the entire process was essential. And even with some hurdles along the way (entirely our fault!) he managed to keep our stress levels to a minimum. We coldn't he happier with how everything turned out 🙂

Jess O.

Michael was incredible in supporting us throughout our finance journey. In what can be a very confusing process, he was there every step of the way, helping us find the right solution and ensuring everything ran smoothly.

Evguenia R.

I recently went to Michael for an urgent top-up loan and the whole process was incredibly smooth. Nothing was ever too hard, and he kept me updated every step of the way so I always knew what was happening. As a very busy person, I really appreciated how he took care of everything for me without needing too much of my time or attention. It made the entire experience stress-free and easy. Highly recommend!

Celeste B.

Michael is awesome, very knowledgable and was always there to help. He had a range of options and secured a great deal that worked for us. 🙂

Laura Di F.

Moving is always a very stressful time, but Michael took the pressure off me by making sure that throughout the process I didn't need to worry about finance and just needed to provide required documents, review and sign. Michael is very professional and accommodating. Michael also allows his clients to choose their preferred lender, while making sure they get the best rate.

Justi C.

We had a complex settlement and structure. Michael kept us fully informed and ensured our housing loan was organised and set up correctly with our bank. Many thanks Michael.

Henry G.

We highly recommend Michael Lawes from Circle Finance Group. Michael provided clear guidance through every stage of the mortgage process, from assessing our borrowing capacity to comparing loan options and finalising approval. Michael’s experience, transparent communication, and ability to secure a highly competitive rate (better than the published rate) sets the standard. You can’t go wrong picking Michael as your mortgage broker. Cheers, Henry

Kate O.

Michael did an amazing job organising my finance for my new home. Even through we encountered a couple of hiccups along the way, Michael found solutions and made sure we secured the best terms possible. Everything was really easy, from online documents to settlement. I will definitely be using Michael again when the time comes.

Merle

Michael from Circle Finance has been absolutely awesome to deal with. From day one he made the whole loan process feel simple and stress-free, always taking the time to explain things clearly and make sure we understood every step. He was quick to respond, super organised, and genuinely looking out for us the entire way. It really felt like he went above and beyond to get us the best outcome, and nothing was ever too much trouble. Having someone that reliable and easy to talk to made a huge difference. Couldn’t recommend Michael highly enough!

someitalian

Michael from Circle finance has been great to work with. He really works hard to find the best deal and is great at explaining the finer details. Michael still manages our account and he touches base to ensure we are getting the best deal. Would highly recommend him for his expertise and ease to deal with.

Warren H.

Micheal was friendly and very helpful. He helped and explained everything step of the way. Awesome experience. Highly recommend Michael.

Sarah C.

Circle finance group were very helpful and always efficient answering my questions. I was very new to looking at buying a property and taking on a home loan, and was recommended to circle finance by an estate agent and my initial experience with Michael was very informative so decided to continue the process all the way to buying a property with him. Would recommend if you are starting out and unsure of what you are doing, very helpful.

Bryony H.

Michael was amazing, clear and prompt. He answered all our questions and kept our minds at ease through the whole process. I would use him again if I ever needed a broker again.

Brad B.

Michael helped me out with my mortgage for an investment property. From the start he was very easy to deal with, explained everything perfectly and walked me through every step from pre approval all the way through to settlement. If anyone is looking for a mortgage broker I couldn’t recommend Michael highly enough!

Jordan A.

Working with Michael as a broker for our property purchase was great. He got us a good rate, and the whole process was quick and easy from start to finish. He was also extremely knowledgeable about different loan options and structuring, which made a huge difference. I really appreciated how responsive he was to all of our questions and would highly recommend him.

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