MJ Financial Chiefs
Based on 108 reviews
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Patrick MooneyPatrick Mooney
04:13 08 May 24
Justin and the team at MJ Financial Chiefs are a dream to work with. As first home buyers we were unfamiliar with the ins and outs of buying our first property, though Justin guided us through the process ensuring we understood our position and obligations.
Kevin DonnellyKevin Donnelly
05:53 05 May 24
Rachel BRachel B
09:10 04 May 24
Really great experience through MJ Financial Chiefs - my husband and I worked with Justin to purchase our first home. Justin really made the entire process manageable and removed a great deal of anxiety away from what otherwise would have been a really stressful time - we definitely appreciated the prompt communication and explaining all steps in detail to us! We would definitely recommend MJ Financial Chiefs to anyone looking to purchase a property.
Tatum PrinsTatum Prins
12:26 22 Apr 24
Justin from MJ Financial Chiefs was such a delight to deal with. He helped us obtain finance quickly and easily. The whole process from start to finish was seamless. Thank you Justin we will definitely be using your services again in the future.
Gus EngleyGus Engley
01:25 03 Apr 24
These guys are legends! Justin has patiently encouraged and guided me for year to get me to be able to purchase my first home this year. The process of purchasing my home, loan applications etc was effortless as the team all worked together to get it all across the line. Highly recommended these down to earth professional chiefs!
Alana KilmartinAlana Kilmartin
21:49 26 Mar 24
Michael is an absolute legend and I could not recommend him as a mortgage broker any more highly! We'd had an awful experience with a different mortgage broker who told us we would have to wait 6 months to borrow. When we went to Michael praying for a miracle, he was able to help us purchase our home in less than 3 months. He was professional and went over and above to help. Thanks so much MJ Financial Chiefs!
Natasha KNatasha K
00:28 26 Mar 24
Justin was super helpful and patient with all the questions I had. As a first time buyer this is a super scary process, he made me feel comfortable and confident in dealing with my finances. He helped me secure a bigger loan than what was initially pre-approved which was incredible. Could not thank him enough!
Stephen TullStephen Tull
21:48 22 Feb 24
Justin and the team at MJ Financial Chiefs recently helped us through a refinance and were brilliant throughout the whole process.The advice given at each stage allowed us to understand all options and was presented very well. Brilliant team and we couldn't be more happy with the outcome. Thanks Justin and team!
Gail ButterworthGail Butterworth
04:57 22 Jan 24
Incredibly knowledgeable team. My financial circumstances were particularly challenging. Justin and the team have helped me purchase a new property, on more than one occasion. Highly recommend their service.
Bec LeedBec Leed
08:44 17 Dec 23
We couldn't speak more highly of these guys! Michael and the team assisted my partner and I in finding the most suitable mortgage options for purchasing our first home, and made the whole process go as smoothly as possible. Explained things in a way that made sense, super prompt responses to all our questions. Definitely recommend!
donna raabedonna raabe
03:04 08 Dec 23
MJ Financial Chiefs were great to work with. They were very quick to respond to enquiries and managing our refinancing and very patient when I wasn't as quick responding. We received fast approval and would absolutely recommend them or work with them again.
Brooke PetersenBrooke Petersen
07:00 22 Nov 23
Highly recommend Justin and the team! Went above and beyond for me and my husband refinancing our home!. Again thank you. We will be back
Dominic PaynterDominic Paynter
03:27 20 Nov 23
The guys as MJ Financial chiefs have been great for us - firstly in helping navigate the settlement of our land loan and then the build loan that has followed. Communication all the way through has been helpful, clear and calming. Their knowledge of what to expect and how to plan and progress through each stage has been super and greatly appreciated. Highly recommend anyone needing help through for their mortgage and finance needs to give Justin, Michael and Dyl a go!
Maddy DeaizpuruaMaddy Deaizpurua
21:46 15 Nov 23
Couldn’t be happier with the quality of work given to us by Justin and his team. They have assisted us every step of the way with professionalism and kindness! We couldn’t be happier 🙂
Alisha AAlisha A
08:34 10 Nov 23
Michael from MJ financial chiefs has been so easy to deal with. The information provided and the communication between us has been seamless, his assistance in buying our property has been first class.I would highly recommend MJ financial to anyone and personally wouldn’t use anyone else now.
Matt NMatt N
03:43 08 Nov 23
Justin was awesome helping me to refinance my investment property loan to get a better interest rate
Kayleigh SpinkKayleigh Spink
10:43 30 Oct 23
Michael has assisted us with 2 home loans and we cannot fault his service. He is quick to respond, super helpful, and has always made the process straight-forward and stress-free for us. Highly recommend Michael and the team!
adam Hangeradam Hanger
07:10 25 Sep 23
Michael and Justin have been fantastic to deal with over the past 5 years. 2 home loans and 2 car loans later I couldn’t be more satisfied with the service.Would highly recommend to anyone.
Jordyn BowerJordyn Bower
07:04 25 Sep 23
Michael at MJ Finance is exceptional. He's our go-to person for car and house loans. His expertise, responsiveness, and dedication make him highly recommended.
Zak GibsonZak Gibson
23:32 21 Sep 23
Couldn’t recommend Justin more! Incredibly efficient and amazing communication. I was blown away by how quick he had everything sorted
Jacquelyn SplattJacquelyn Splatt
06:34 21 Sep 23
Justin has helped us with all our mortgage needs from first home loans to now refinancing. His skills and professionalism is outstanding and has saved us hundreds of dollars. Highly recommend. An easy 5/5 star review.
Grace GoorenGrace Gooren
23:57 20 Sep 23
Michael at MJ Financial Chiefs has been incredible to work with. I first got in contact with him to ensure we could have everything in order and see what our borrowing capacity was for when we found a property to purchase. That quickly turned into we have found a property and placed an offer. All for which Michael was there along the way to support us and answer any questions we had. The high level and promptness of his work in even the most challenging situations was outstanding.This is not our first property or first time dealing with a broker, but this was by far the easiest and smoothest dealing we have ever had and it certainly was a very unique situation we had.Our work with MJ Financial Chiefs will continue after settlement and I highly recommend to anyone who is looking to begin and/or continue their property and financial journey.Thank you.
Kate DowlingKate Dowling
09:13 02 Sep 23
Couldn’t recommend Michael and the team any more !!!We got in contact with Michael as we were starting to look for our first home and it was the best decision we made. From the very start of the process Michael has been approachable, available, professional, patient and caring. The effective communication and genuine care Michael showed us made the whole process of buying a house so much better!We can’t thank Michael enough for helping us through this process!
Ajaypal Singh ChiefAjaypal Singh Chief
00:34 31 Aug 23
I cannot recommend MJ Financials enough! Their expertise and dedication have truly made a significant impact!From my very first consultation, Justin Smaluch have displayed deep understanding of my requirements and tailored a comprehensive plan to achieve them. He is very knowledgeable, extremely approachable , exceptional customer service skills making is easy to understand concepts. Whenever i had questions or need clarification, Justin was quick to respond and provided clear explanations.MJ financials is the way to go if you are looking for a financial partner. They have earned my trust and confidence and i am excited to continue working with them in the future.A BIG thank you!RegardsAJ
santo thomassanto thomas
23:38 18 Jul 23
We were so glad we found Michael to assist us with our loan after our previous broker refused to help. Michael was so professional, kept us informed along the way and most importantly is always available for any questions we may have. Thank you so much Michael we appreciate your service more than words can say as you made our dream come true! Highly highly will recommend him to everyone !
Amy ShipperdAmy Shipperd
02:42 05 Apr 23
I first enlisted the expert assistance from Michael when I embarked on purchasing my first property in 2016. After a very successful and smooth experience, I didn't hesitate to contact Michael for income protection, life and TPD insurance and again for the purchase of our family home late last year. Can't fault Michael's work, he is always very prompt getting back to emails and calls and answers all questions we've had in an easy to understand manner. Michael is our "go to" for any financial assistance and advice. Thank you chiefs!
Karen DuikerKaren Duiker
01:51 06 Feb 23
Michael had been fantastic to deal with, he is knowledgeable, responsive and patient when asked 1001 questions. He has been fantastic helping us successfully apply for a home loan under tricky circumstances and he nailed it where other brokers had failed. Michael was able to think outside the square and really pushed for a positive end result. Michael has also purchased shares on my behalf and the process was very smooth and easy for navigate. If I could give MJ Financial Chiefs 10 stars I would!
Harris WassylkoHarris Wassylko
09:47 11 Jan 23
MJ Financial Chiefs are excellent! Justin was able to make purchasing my first home very easy. Justin helped me understand my borrowing power and immediately answered any question I had along the way on the journey to my first home purchase. Justin listened to my situation, then went above and beyond to ensure the entire process went as smoothly as possible.I definitely recommend MJ Financial Chiefs, and will continue using them in the future.Thank you for all the help!
Amelia FisherAmelia Fisher
09:23 13 Dec 22
I was referred to Justin 2 years ago when I first started looking at options to purchase my first home. It’s been 2 years lol but we’ve finally gotten there and I can’t thank Justin enough for his advise, patience and guidance while I navigated through this process and chose a place to settle down. He communicates quickly and always takes the time to answer any questions. Highly recommend MJ Chiefs and I will absolutely be working with them again!
Ngoc DoNgoc Do
02:48 09 Dec 22
Excellent result by Justin - knowledgeable, prompt, understanding and genuine.During our dealing with Justin, he took his time to listen and understand our plan and completely removed that burden completely from the get go. To add on top, everything was transparent and upfront, which gave us comfort and a complete trust that his recommendation is based on our best interests.Upon this dealing, safe to say that Justin will now be our main contact for future purchases and refinancing.
Jordan ThomasJordan Thomas
11:49 08 Sep 22
Highly recommend Michael and Justin!!!My partner and I came to these guys to help us find our first home and the process was made stress free. If you are in the search for the best in the business, then you have definitely found them. Quick responses, always reliable and friendly service.Thanks so much for helping us achieve our goal.
Paige WilliamsonPaige Williamson
10:21 26 Aug 22
Justin was amazing in assisting with our refinance and was able to secure us a much lower rate! He made the process so quick, easy and stress free. Such a great experience and we can’t wait to continue working with Justin in the future!
Benjamin BorrettBenjamin Borrett
03:37 03 Jul 22
Dealing with Justin was refreshing, as he was always available to explain any questions my partner and I may have had and ensured us throughout the process.Despite having some issues with parts of the process he was easily able to rectify these issues and get us back underway to stay on target for settlement.Would recommend especially to people just starting out with looking for a house as he has profound understanding of what is required and explains the requirements in a way that doesn't make you feel stupid.Thanks Justin and MJ Financial Chiefs!
Gabrielle KohlmanGabrielle Kohlman
03:14 14 Jun 22
Michael from MJ Financial Chiefs helped us purchase our family home and we can't speak more highly of the service he provided. We had an extremely short settlement period and Michael worked tirelessly to ensure our loan was approved in that time. His communication was second to none and we were kept in the loop at every step. We would have no hesitation recommending Michael and the team to assist with your financial success!
karan maherkaran maher
10:47 12 Apr 22
Exceptional service!I was very happy with the Chiefs’There commitment was 💯 from day one.The services I was approaching them for !Was Very Professional ⭐️
Jessie Della BoscaJessie Della Bosca
03:36 22 Mar 22
I was looking at refinancing my home loan and was recommend Justin from MJ Financial Chiefs from a couple of friends. Justin made the process so simple and straightforward and was able to find the best rate for me and my situation. If you want to save some money I highly recommend reaching out to MJ Financial Chiefs
Travis ClarkTravis Clark
05:04 21 Feb 22
Michael was on the money from the get go. I threw so many alternative option. I wanted to know about home loans, investment properties, business loans, you name it. He was quick and efficient with his numbers and was a great help securing out beautiful home. Highly recommended and will use his service again!
Tom WestTom West
23:00 20 Feb 22
Dealing with the boys from MJ Financial Chiefs was effortless. Always available when I needed them, their response times were so quick. Made the whole process easy.I definitely will be going back to their services when I need to, highly recommend to others to do the same.
Donna CanningDonna Canning
00:04 07 Feb 22
I highly recommend MJ Financial chiefs. We refinanced our existing home loan and also took out an investment loan and not once did I have to deal with the banks! The whole thing was so easy and went so smoothly and quickly. Justin was an absolute pleasure to deal with and got us exactly what we wanted.

About The Chiefs

MJ Financial Chiefs was established by Michael and Justin as a way to help friends, family and the extended community to reach their financial and lifestyle goals.
Since beginning the business in 2018 we have specialised in helping a vast clientele in areas including Financial Planning and Mortgage Broking.

Our Dedicated Team

Justin Smaluch

Michael Wallace


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

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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Extra Mortgage Repayments – Banks Don’t Want Borrowers To Know This!

Extra Mortgage Repayments – Banks Don’t Want Borrowers To Know This!

As borrowers, we should know all the strategies to save as much money as possible over the loan term. If...
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Credit Scores – How Financial Behaviour Impacts Your Borrowing Capacity

Credit Scores – How Financial Behaviour Impacts Your Borrowing Capacity

Credit Scores - They're the hidden numbers that constantly track our credit card behaviour, bank account balances, and loan repayments....
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