Blog2022-11-21T03:20:02+00:00

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Why Refinancing is Attractive in 2026 and How Interest‑Rate Trends Affect Costs

April 1st, 2026|Blog|

Your mortgage might be costing you thousands more than it should. With the RBA cutting rates three times already in 2025 and more predicted for 2026, Australian homeowners are sitting [...]

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    M: 0416 080 336
  • michaeljin@mxjfinance.com.au
  • A: Level 20, Tower A, The Zenith, 821 Pacific Hwy, Chatswood NSW 2067

Disclaimer: MXJ Finance Pty Ltd ABN 85 623 091 896 is an authorised credit representative of Finsure Finance (Australian Credit Licence Number 384704)

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Kate Manley
Michael helped us through the process of refinancing our loan after initially being our broker when we bought our home. He is extremely approachable, fast to reply, very professional to work with and has helped us secure a great fixed rate. We will definitely continue to work with Michael and I'd highly recommend him.
Response from the owner:Thank you Kate, look forward to working with you again in the future
Vinnie C
I would highly recommend Michael as a mortage broker. He was very knowledgable, helpful & had consistent communication. He assisted my husband and I to refinance three mortages & assisted in every step along the way. Thank you Michael!
Response from the owner:Thank you Vinnie, Look forward to assisting you again in the future!
Asad Aslam
Great service, highly recommend Michael !
Response from the owner:Thank you Asad, Look forward to assisting you again in the future!
Asad
I found Michael to be very helpful and knowledgeable. He was also very straightforward with what is possible and what is not and how to achieve my goals with the best possible outcome. He was available whenever I had a question, and I had many questions! Amazing service!
Response from the owner:It was a pleasure working with you Asad
Grace Lee
This is the second time we work with Michael to purchase a property.
Michael is always responsive, reliable, easy to communicate and providing recommendations that fitted our circumstances.
The whole process is simple and effortless.
I have no hesitation to recommend Michael to anyone who is looking for a mortgage broker!
Response from the owner:Hi, Grace. We are thrilled to learn that you had a positive experience with us!
Adrian Sebastian
This is our second acquisition with Michael and just like the first, it was smooth and effortless. Michael is responsive and always willing to take the e time to explain reasoning behind decisions and ensure that the product suits your circumstance. Will be using again for our next purchase.
Response from the owner:Thank you Adrian, it was a pleasure working with you
Ash H
I’ll be honest,it did cross my mind how Michael from MXJ Finance had so many 5 star reviews on Google. But after he handled our refinance, I can genuinely say those reviews are absolutely deserved. Michael was patient, supportive, and incredibly thorough through every step of the process. He made what usually feels stressful so smooth and easy. Now I fully understand why everyone gives him 5 stars, he really is that GOOD. Highly recommend!
Response from the owner:Thank you so much Ash for your kind review

It was a pleasure working with you, I look forward to assisting you again in the future!
Joe Schwager
Response from the owner:Thank you for your review Joe
Abbas Mohibi
Michael assisted us in purchasing our first home. It was a very lengthy process of finding the right home, but Michael made the finance side of it a breeze. He is very reliable, accessible and very thorough in his work. Highly recommend him.
Thank you Michael
Response from the owner:Thank you Abbas, it was a pleasure working with you
Connie Leong
Michael went above and beyond to help us with our loan and I would recommend him to anyone looking for a broker
Response from the owner:Thank you Connie and look forward to assisting you again in the future
Emaad Ahmed
Michael was fantastic to work with! He made the mortgage process simple and stress-free, explaining everything clearly and keeping me updated every step of the way. He worked hard to find me a great rate and was always quick to respond to my questions. I highly recommend him to anyone looking for a reliable and knowledgeable mortgage broker.
Response from the owner:Thank you Emaad, it was a pleasure working with you
kindred
I recently worked with Michael Jin to purchase my new home, and I couldn't be happier with the experience! From start to finish, he was incredibly professional, knowledgeable, and responsive.

He took the time to understand my financial situation and tailored the mortgage options to suit my needs perfectly.

I highly recommend Michael Jin for anyone in need of expert mortgage assistance with property purchasing.
Response from the owner:Thank you Jake, it was a pleasure working with you
Brian Chau
Michael provides direct, reliable feedback that I know I would struggle to find elsewhere. A trustworthy advisor.
Response from the owner:Thank you Brian, it was a pleasure working with you
Andrew Cheng
Michael is very knowledgeable, provided good advice and was very prompt in responding to my queries. He was able to find a mortgage solution for my unique circumstances. Highly Recommended.
Response from the owner:Thank you Andrew, look forward to assisting again in the future
May Yeo
Michael was very professional and very helpful in assisting me through my first home purchase. Always answered any questions I had and provided amazing service from start to finish. Highly recommended.
Response from the owner:Thank you for your review May, look forward to assisting you again in the future
Julian Scully
Michael is very responsive and hardworking when it came to refinancing my home loan. I will definitely recommend him to any of my friends and family. Will be in touch for any future loan applications too. Thank you Michael!
Response from the owner:Thanks for your review Julian! Look forward to assisting you again in the future
Olivia Phoon
Michael and his team helped us refinance our home loan. He was very informative and responsive throughout and made the whole process easy. We were able to get approval quickly before Christmas at a lower rate. Thanks for providing a great service!
Response from the owner:Thank you Olivia, it was a pleasure working with you
Donna
Michael was extremely helpful and efficient assisting us with our home loan. He was easy to talk to and very prompt in responding to all our questions. Thanks Michael!
Response from the owner:Thank you Donna, it was a pleasure working with you
Ian Guo
Michael is very helpful and responsive, helped us reach loan settlement with good terms
Response from the owner:It was a pleasure working with you Ian
Katie Park
I was very lucky to work with Michael to buy my first home! He is a very professional mortgage broker and caring person. As a first home buyer, I had lots of questions, and he always responded promptly with detailed explanations. His advice through the whole process gave me so much clarity. I definitely recommend Michael.
Response from the owner:Hi Katie, it was a pleasure working with you!
James Li
As first home buyers, Michael demonstrated a high level of professionalism and expertise that made the entire process stress-free and smooth. He took the time to thoroughly explain the mortgage process, different financing options, common approaches to finding the property we want, and answering all our questions with patience and clarity.

Throughout the entire process, Michael was just a phone call away, ensuring I was informed at every step, and that there would be no issues on the financing side if my partner and I had to act quickly on a property we liked.

Michael was also able to find the best mortgage solution with the most competitive rates and terms for me and my partners situation, and coordinating with the bank to tailor the loan set-up for the both of us.
Response from the owner:Hi James, Your feedback is highly appreciated. Thank you for the review!
Lily G
Michael and his team walked me through every step of the way as I was trying to purchase my first property. They were efficient and were quick to respond to any questions I had. They also offered well thought out advice and data-driven insights on the market as I was looking around. Thank you for making this entire experience as worry free as it was.
Response from the owner:Hi Lily, Thank you so much for leaving us a stellar review!
Yong Fei Lim
Michael was very responsive and helpful during my entire property purchasing journey, which was more than 18 months. He was very knowledgable dealing with home loans and other things in regard to choosing and buying a property. I've learned a lot from him as well.
Response from the owner:Hi Yong Fei, Your feedback is highly appreciated. Thank you for the review!
Emily May
As a first home buyer, the whole idea of getting into the property market and applying for mortgages was really daunty. Michael really made the whole process a breeze and was always there to answer any questions I had. Really recommend his services to anyone!
Response from the owner:Hi, Emily. Thank you so much for leaving us a stellar review!
Rhys Tierney
Michael guided my partner and I through the process of applying for our first construction loan and the refinancing of our existing home loan. Every step of the way was articulated clearly and, in the end, gave us a greater understanding of the processes involved. We are beyond happy with the outcome. Michael came highly recommended by someone who went through a similar process, and we feel lucky to have been pointed in that direction. Michael will definitely be our only choice for a broker in the future.
Response from the owner:Hi, Rhys. Thank you so much for leaving us a stellar review!
Katherine Averin
Michael was excellent in helping me refinance my existing mortgaged - efficient, knowledgeable and responsive. He has also helped my partner and I obtain pre-approval for a new house purchase and provided so many valuable considerations with regards to a new purchase along the way. Overall a great experience with Michael.
Response from the owner:Hi, Katherine. Your feedback is highly appreciated. Thank you for the review!
David Buckland
Great assistance, the 5 out of 5 stars from everyone is well deserved.
Response from the owner:Hi, David. We appreciate the kind words and are glad we could provide you with a positive experience!
Gary Chui
Michael was diligent and responsive throughout the whole process. He was knowledgeable and worked effectively to get us a good deal. Highly recommended.
Response from the owner:Hi, Gary. Thank you so much for leaving us a stellar review!
Bruno Ling
Michael is very helpful and professional. He is my go to broker for 6 years.
Response from the owner:Hi, Bruno. We are thrilled to learn that you had a positive experience with us!
Ruwan Balasuriya
Michael was recommended to me by a person who is in real estate business for many years. I immediately realised that I made a very good decision. I have been working with Michael for more than three years now. He is very professional, knowledgeable and reliable. He is always responsive to my calls, messages and emails. He helped me to find the best products as per my requirements even in challenging situations. I would highly recommend Michael to anyone looking for a great mortgage broker.
Response from the owner:Hi, Ruwan. Thank you so much for leaving us a stellar review!
Melissa Jimenez
We worked with Michael to do a refinance and it was such a speedy and smooth process. Michael is very well informed, responsive and takes the time to understand your needs as a client to ensure that he can get you the best outcome. I would highly recommend him to anyone looking to refinance.
Response from the owner:Hi, Melissa. Your feedback is highly appreciated. Thank you for the review!
El Thompson
Michael helped me refinance my current property and purchase another using the current property as security on the new apartment.
Michael's patience with my million and one questions went beyond words. His response time was incredible and his experience in home mortgaging was comforting during a time when there were so many moving pieces in settling the two properties.
I would recommend speaking to Michael about your mortgaging needs.
Response from the owner:Hi, El. We appreciate the kind words and are glad we could provide you with a positive experience!
Rachel
Michael has been amazingly helpful throughout the entire process from inquiry to loan application. As this was my first time purchasing, he thoroughly explained the whole purchasing/loan process and answered all the questions I had which made me feel more at ease despite this all being quite daunting. He has always quickly responded to all my inquiries on properties I’ve been interested in which made my purchasing journey very seamless and easy. Highly recommend!
Response from the owner:Hi, Rachel. Thank you so much for leaving us a stellar review!
Shaun Williams
First time I had to use a service like this and was recommended by word of mouth. This is the best recommendation I had and there was no issues at all and answered all questions. Will highly recommend and will use again when and as required
Response from the owner:Hi, Shaun. Your feedback is highly appreciated. Thank you for the review!
Michelle Nichols
Michael has done an SMSF loan and a personal mortgage refinance for me. He is thorough, provides options and takes time to walk through detail. Highly recommend.
Response from the owner:Thank you Michelle, look forward to working with you again
divya mcdonagh
Michael what can I say about your passion helping people like me. I started this journey with you about 2yrs ago and I am so happy that I did. You have been very proactive and determined to help me with best solutions even after 2yrs. Thank you very much for all the help.
Response from the owner:Thank you Divya, I look forward to working with you again in the future
Jacob Prehn
Michael is an excellent mortgage broker. He has been helpful, supportive, courteous, and knowledgeable about changing my mortgage to another lender. I highly recommend him.
Response from the owner:Thank you Jacob, look forward to working with you again
Cathryn Azcona
We’ve worked with Michael a few times, and we will continue to use his services in future. He will ensure to make the process easy for you and will explain things to you in layman’s term, none of that jargon!
His communication is amazing, you will never feel lost in the process.
We highly recommend Michael!
Response from the owner:Thank you Cathryn, it was a pleasure working with you
Camilla Fan
Michael has been amazing during the mortgage process. Always prompt and on the ball, he will follow up with you in a timely manner and check in with you during the process. He has made the process so easy and simple!
Response from the owner:Thank you Camilla, look forward to assisting you again in the future
vz
Recently did a loan switch with Michael's help. He's professional, listens to clients' needs and provides good advices. The execution was well organized and went smoothly. Very satisfied with his services and would definitely be in touch again for my future financial needs.
Response from the owner:Thank you Vincent, look forward to working with you again
Jason Smith
Response from the owner:Thank you Jason
Bill Burns
In our recent dealings with Michael as our mortgage broker, we found him to be very competent and personable. He always returned our calls promptly and gave us a number of options in choosing the best fit for our loan. He showed good attention to detail and guided us through the process and form filling step by step. His expertise made the whole process very smooth. We would highly recommend him.
Response from the owner:Thank you Bill, it was a pleasure working with you
Karen Martin
Finding Michael to work through my finance for my 1st property was a stroke of good luck - Michael was incredibly patient with my numerous questions, highly knowledgeable-on the industry, very speedy with responses and feedback, he made himself always available. I would highly rate Michael to anyone, he will 100% take good care of you with the loan approval.
Response from the owner:Thank you Karen, I look forward to assisting you again in the future
Ryan Lee
Purchased my first house recently. worked closely with Mike from right at the start to the end. The services i have received were just simply the BEST. Flawless interactions and communications as well as personally tailored advice were really impressive. Mike does not sit and wait - he will chase and act proactively to get the process rolling. already recommended him to many other friends who they are also super happy with. Any of my future finance matters will be managed by Mike going forward. Cheers Mike again.
Response from the owner:Thank you Ryan, it was a pleasure working with you
Rajesh Rajan
Michael is friendly, responsive, reachable and an experienced professional. He has taken care of my home loan finance, consolidation of existing debts and provided a plan for future. Michael has ongoing relationships with various financial entities, which in turn helped me to look into various options. I look forward to working with Michael in future endeavors and highly recommend!!
Response from the owner:Thank you Rajesh, it was a pleasure working with you
Michael Forsyth
Michael was fantastic to work with and has gone above and beyond to assist me in the process in purchasing my first home. I would highly recommend MXJ Finance to anyone!
Response from the owner:Thank you Michael, it was a pleasure working with you
Rod Taatinera
Have had dealings with MXJ FINANCE on 2 home loans and a personal loan and they have always done above and beyond to get job sorted on finance and looking after me with any queries iv had all the way up to settlement. Highly recommend Michael Jin and will definitely be calling on his needs on next investment property.
Response from the owner:Thank you Rod, it was a pleasure working with you
Lily Sun
Michael helped me with my first home loan. He was very patient, and he explained things that I did not understand which is pretty much everything. He was very efficient and he always give updates in a timely manner. He made the complicated process look really easy. I was very lucky to find him as my broker, and I would highly recommend him to my friends.
Response from the owner:Thank you Lily, it was a pleasure working with you
Josh van houten
Michael was very patient and responsive during the purchase of our first home. He made the process really easy and walked us through every step to get the best outcome. He understood our needs and found the right lender to match our timeframe.
Would highly recommend his services.
Response from the owner:Thank you Josh, glad to be of assistance on your first home loan
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