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Why our clients love working with us.

About The Chiefs

MJ Financial Chiefs was established in 2018, with our mission to provide expert financial strategies that enrich lives, fostering financial well-being and enabling our clients to achieve their goals.

Our Dedicated Team

Justin Smaluch

Michael Wallace

TAILORED FINANCE OPTIONS

We’ll help match you with suitable loans
from 50+ mortgage lenders

24 Hour Turnaround – Borrowing capacity assessed and returned to clients in a timely manner.

Retirement Tailored investment strategies to suit present or future retirement goals.

Ongoing Advice – Navigation through the different stages of life including; home purchases, having children and retirement.

Education Blog

2025 Federal Budget

2025 Federal Budget

The 2025-26 Federal Budget was handed down on Tuesday, 25 March 2025. As expected, there were few surprises with Labor's...
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2024 Broker Conference Recap

2024 Broker Conference Recap

Chiefs on tour! In November 2024, the MJ Financial Chiefs flew up to Gold Coast to attend AFG's Broker Conference...
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Mortgage Brokers – How We Help You

Mortgage Brokers – How We Help You

Mortgage Brokers connect people who are looking to borrow money to purchase property or refinance and existing loan, with a...
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The Vital Connection Between Life and TPD Insurance and Your Mortgage

The Vital Connection Between Life and TPD Insurance and Your Mortgage

Owning a home is a major financial milestone, and your mortgage represents a significant commitment. But have you considered the...
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The RBA Explained

The RBA Explained

We've all been hearing about the 'RBA' in the news, but what is it? and why does it impact how...
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LVR – Impacting Home Loan Interest Rates & Fees

LVR – Impacting Home Loan Interest Rates & Fees

The Loan to Value Ratio (LVR) shows how much a property is being bought with debt (bank loan) compared to...
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$1,114 Increase In Monthly Loan Repayments in 2023 For Fixed-Rate Borrowers

$1,114 Increase In Monthly Loan Repayments in 2023 For Fixed-Rate Borrowers

The RBA is expecting over 800,000 households to experience a massive increase in loan repayments as there fixed-rate mortgages expire...
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The Big Decision – Variable v Fixed Interest Home Loans

The Big Decision – Variable v Fixed Interest Home Loans

When assisting our clients through the process of purchasing a home, a question we often receive is; "Should we fix...
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Introduction To Interest Rates & Ways To Reduce Interest Expenses

Introduction To Interest Rates & Ways To Reduce Interest Expenses

Regarding home loans, interest is basically the cost of money charged to the borrower (homebuyer) in order to compensate the...
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Home Equity – Impacting the Cost and Refinancing of Mortgages

Home Equity – Impacting the Cost and Refinancing of Mortgages

When talking about property, Equity refers to the amount of the property value that is owned by the home-owner. When...
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Free Mortgage Calculators

Take the guess work out of your home loan journey. Our free mortgage calculators make it easy to estimate your borrowing power, repayments, stamp duty and more – helping you plan with confidence before you buy, build or refinance.

How Much Can I Borrow?

Discover your borrowing power in minutes, see how much the banks may lend you so you can start house hunting with confidence.

Plan Your Repayments

Instantly work out your home loan repayments and model different scenarios.

Find Your True Buying Power

Shop smarter by seeing how your income, deposit and expenses translate into a purchase price range with suggested lenders.

Is Refinancing Worth It?

Compare your current loan with other offers. Our refinance calculator shows potential savings so you can decide if switching loans makes sense.

Estimate Your Stamp Duty Costs

Buying in Victoria or another state? Quickly calculate how much stamp duty you’ll need to pay on your property purchase, including concessions and first home buyer discounts.