
About us
Committed to exceptional service and expert guidance, we are here to support you at every stage of your financial journey.
Here to provide the right finance solutions for you
At MXJ Finance, we understand the complexities of securing finance and are committed to offering comprehensive support. Our expertise spans various lending options, ensuring that we can cater to your unique needs. We strive to make the process straightforward, providing clarity and assistance every step of the way. Our goal is to empower you with the knowledge and resources needed to make informed decisions about your financial future.
We focus on building strong relationships with our clients, taking the time to understand your specific circumstances. By leveraging our extensive industry knowledge, we aim to provide solutions that align with your financial objectives. Our proactive approach enables us to identify potential challenges early, ensuring a smoother journey towards achieving your goals.

Michael Jin
Director / Accredited Mortgage Broker
Phone: 0416 080 336
Email: michaeljin@
Michael has worked in the mortgage and finance industry since 2011, specialising in residential lending. He has assisted hundreds of clients in English and Chinese to secure finance and optimise their property portfolios. His extensive product knowledge, combined with a strong technical background, enhances his ability to meet diverse client needs effectively.
Prior to his role at MXJ Finance, Michael served as Head of Operations & Compliance at N1 Holdings, where he was instrumental in supporting the company’s growth towards their ASX listing. Known for his pragmatic approach, he adeptly identifies potential deal-breakers and prioritises clients’ goals. Outside of work, Michael enjoys tennis and spending quality time with his family.
Awards
- 2019 Mortgage Professional Australia Young Gun
- 2019 Finsure Young Gun of the Year Finalist
- 2021 Australian Mortgage Awards Broker of the year (Productivity) Finalist
- 2022 Local Business Awards North Shore Finalist
- 2023 Australian Small Business Champion Awards Finalist




Ready to take the next step?
Whether you’re buying your first home, refinancing, or building your property portfolio, Michael is here to help you make confident finance decisions.
Our services
Comprehensive assistance is available for all your home loan and finance requirements across various services. Regardless of your situation, our knowledgeable team is dedicated to identifying the most suitable options for you.
Common questions and answers
Alongside our competitive rates, we take pride in being accessible for any inquiries you may have throughout the duration of your loan. We welcome both first-time buyers and seasoned investors alike—regardless of your experience, our commitment is to support you whenever you require assistance.
What does a broker do?
A broker is a finance expert who collaborates with you individually to explore your borrowing objectives and assess your eligibility for financing. They generally offer a more customised level of service compared to a lender and have access to a variety of loan options from different lenders, enabling them to secure the most suitable loan conditions for your specific needs.
Do you charge fees for home or investment loans?
When you obtain a loan through a broker, there are no additional repayments or fees. Brokers receive their commission from the lender for bringing in new clients, which does not influence your interest rate or other terms of the loan agreement.
Is it more expensive to use a broker?
Using a broker does not incur any cost to you, as the lender compensates your broker. With access to a wide range of loan products from numerous lenders, brokers can identify the most appropriate loan for your situation. Typically, this includes the lowest applicable rate at that time along with product features that best suit your preferences.
Some brokers may impose service fees, which must be clearly communicated prior to providing their services.
How much can I borrow?
Our borrowing calculator can provide a general idea of your potential borrowing capacity, but for a more accurate evaluation, we encourage you to contact our team. We will discuss your options and delve into your unique circumstances in greater detail.
Should I choose a fixed or variable rate?
As suggested by its name, variable-rate home loans feature interest rates that fluctuate over time. They typically offer more flexibility compared to other loan types, including options like redraw facilities and additional payment capabilities. However, these loans do not guarantee fixed repayment amounts.
In contrast, fixed-rate home loans provide consistent monthly repayments, allowing you to know the exact amount due each month for the entire loan term. While these loans may lack some flexible features, they offer borrowers reassurance when planning their budgets.
When determining which loan type suits your needs, consider what matters most to you—whether it’s flexibility or certainty in your monthly repayments.
Which lenders do you partner with?
Thanks to our affiliation with a mortgage aggregator, we have access to loan options from over 40 different lenders. This enables us to assist you in finding several suitable choices tailored to your specific circumstances.
Our mortgage broking service areas in Sydney
Support across Sydney with lender access, home loan help and finance options tailored to our local community.











