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Loan Types

Michael Jin2025-12-11T04:16:45+00:00February 7th, 2020|Blog|

Principal and interest (P&I): A P&I loan is structured so that you repay the mortgage, plus interest, over a set period of years. Principal represents the loan balance that is [...]

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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

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.

Response from the owner:It was a pleasure working with you Asad

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!

Grace Lee

We had a great experience with Michael with the process of refinancing our home loan recently. He made the process simple and always explained to us clearly, also provided recommendations based on our circumstances.
We shall return to Michael on our next home loan review.
Thanks Michael!

Response from the owner:Hi, Grace. We are thrilled to learn that you had a positive experience with us!

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

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

Kate Manley

Michael helped us through the process of securing a loan for our first home. Throughout the entire process Michael has been incredibly professional, has taken the time to explain everything to us in detail and has been available at all times to answer questions and follow up. This all happened during a very hectic time as we ended up buying our home five days before our wedding. We have felt very confident with Michael's guidance. We're incredibly grateful to him and would highly recommend him to anyone. Thank you Michael!

Response from the owner:Thank you Kate, look forward to working with you again in the future

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

Sankalp Reddy

Michael helped us obtain finance for our first home and was able to provide fast and professional advice along every step of the way. He was able to obtain bank approvals very quickly and was able to address all questions along the way which led to a very smooth settlement process. Would highly recommend.

Response from the owner:Thank you Sank, it was a pleasure working with you

Jeremy Wright

Michael did a great job from day one. Very helpful found a a good loan. Our settlement sailed through without any issues and I reakon it's largely due to Michael's hard work!

Response from the owner:Thank you Jeremy, it was a pleasure working with you