Success Stories

Ben & Emily – Home Buyers

🥳 Ben & Emily buy their forever family home! 🥳
Ben and Emily have been long time financial planning clients of The Chiefs and we are delighted to have now helped them purchase their forever family home.
This is a massive achievement for the Shipperd Family to purchase a home in the location that will suit them for work and also be close to some nice schools for their children to attend when the time comes.
We look forward to watching this family grow 😊

Brooke - First Home Builder

🛠 Congratulations Brooke on building your first home! 🏠

What a week it has been for Brooke! A week before Christmas and she has moved into her own home.
Brooke contacted MJ Financial Chiefs as she was eager to buy her first home.

We were able to assist her in the following areas:
• Initial Borrowing Assessment
• First Home Buyer Stamp Duty Concession
• First Homeowner Grant
• Finance Application
• Management of the Progress Payments as the

Build Progressed
As many others, Brooke was new to the home buying process. We were able to support her through this procedure so that moving into her new home was made easy and most importantly exciting.

At MJ Financial Chiefs we wish Brooke all the very best in her exciting new adventure of being a first home buyer!

Enjoy the early Christmas present of your new home Brooke!

#firsthome #firsthomebuyer #stampdutyconcessions #homeownerrgrant
#mortgagebroking #finance #firsthomebuyer #clientfirst

Daniel & Aleisha - First Home Builders

🔨An exciting new home and reno awaits this young couple!🔨

Daniel and Aleisha have just settled their new home and we are absolutely wrapped for them.

The couple have now commenced the big job of renovating the whole house and we are excited to see some before and after shots once completed.

Instead of describing their home loan process in our words, see this review from Daniel & Aleisha:

“Who knew buying a house during Covid would be this easy with the team at MJF Chiefs by our side. We had the pleasure of dealing with Justin to purchase our very first home and its been such an easy process. The communication was excellent, response times were second to none and if any part of the process failed Justin was right there to clean up the mess.

Cannot thank you (and Michael) enough for the great work you continue to do especially during these uncertain times.

Definitely recommend MJ Financial Chiefs to anyone who is in need of a fantastic service.”

Thanks for the kind words 😊

It was great helping you achieve your dream home!

Chiefs xoxo

Troy & Delores - First Home Builders

🎉Congratulations Troy & Delores on their new block of land🎉

Troy and Delores came to us with the hope of purchasing their first block of land which they would later build on.

We worked with them to assess how much they would be able to borrow and what concessions they could receive as First Home Buyers. We were able to communicate with both the real estate agent and conveyancer on their behalf.

They managed to get the stamp duty concessions which resulted in paying no stamp duty as they plan to build and move into their new home within 36 months of settlement.

We are very happy for both Troy and Delores and look forward to helping them further once they have found the right home to build.

#firsthomebuyer #noLMI #stampdutyconcessions #mortgagebroking #finance #firsthomebuyer #clientfirst 

Luke & Steph – Purchase New Car

🚘Genoni’s Bought a Jeep?🚘

Steph and Luke our beloved ongoing clients found a new family car and came to us to help out with the finance.

It was a very straight forward process, and we had the approval completed within a few days.

We are very excited to see the couple with their new wheels and we will be keeping an eye out down the Peninsula for the big white Jeep!

Always a pleasure xoxo

#assetfinance #mortgagebroker #financialadviser #Carloan

Sam & Tom - First Home Builders

🎉Congratulations Sam and Tom on beginning to build their first home🎉

When brothers Tom and Sam came to us, they had already invested in a block of land which was due to title in a few months. They were still in the process of finalising the construction documents but wanted help gaining finance to build their home.

After running through their situation, we were able to map out a plan of when we would need to put the application in to meet the finance clause and maximise their eligibility for the grants on offer.

As a First Home Buyer who met all the requirements, they were eligible for the $20,000 First Home Owners Grant, and for the $25,000 New Home Builders Grant along with paying no stamp duty.

If the boys are this excited to own the land, we can’t wait to see what pictures they come up when the construction is complete.

#firsthomebuyer #noLMI #stampdutyconcessions #homebuildergrant

#mortgagebroking #finance #firsthomebuyer #clientfirst 

Cam and Lisa - Home Buyers

🎉Congratulations Cam and Lisa on Buying a home together🎉

When we started talking to Cam and Lisa buying a home was not something they had at the front of their mind specifically. They knew it was something for the future but they wanted to talk about structuring their finances, work and business in general and how this would affect their situation if they did want a home loan down the track.

Sometime after we worked through these details together, Cam and Lisa decided that they were ready to buy a home and we set about organising a pre-approval. We spent time discussing the structure of the loan as they had a few options and we settled on a smaller lender that had a low interest rate and would allow them flexibility with their repayment.

We are very happy to have helped Cam and Lisa purchase this home 😊

#firsthomebuyer #FHLDS #noLMI #stampdutyconcessions

#mortgagebroking #finance  #clientfirst 

Lucas and Jess - First Home Buyers

🏡Congratulations to Lucas and Jess on buying their first home🏡

Lucas and Jess came to us for help when buying their first home.

Hearing about all these new government grants and concessions that first home buyers are eligible for, they got in contact with us to lock in a spot on some of the schemes.

We straight away set about working through their borrowing capacity and different lending options together giving them a budget on their maximum purchase price. We had to consider that Lucas is self-employed and they needed a bank that offered First Home Loan Deposit Scheme (FHLDS) spots while trying to find the lowest interest rate available.

Once we had settled on the best lender we begun the application to make sure they secured a place on the FHLDS which allowed them to pay no Lenders Mortgage Insurance (LMI).

In the 3 months that they had their pre-approval in place, this home popped up for them and they were able to make an offer confidently knowing their finances were organised.

It was great to be involved in the process with Lucas and Jess in buying their first home and are glad they are enjoying being in there already 😊

#firsthomebuyer #FHLDS #noLMI #stampdutyconcessions

#mortgagebroking #finance  #clientfirst 

Nick & Courtney – New Home with a side of Super and Insurance Review

🏡New Home Who Dis?🏡
Nick and Courtney approached the Chiefs back in 2020 in preparation for their move to Tooradin. We were able to make their dreams come true and get the new family of 3 finance to build their dream home by the mangroves. The young family have now moved in and we are absolutely delighted to have helped them make this possible.
As they have recently added young Xavier to their lives it was also important for them to start to build their nest egg and ensure that if anything were to happen to either of them, they would be financially protected with Life, Disability and Income Protection insurance.
We love working with the Pouki’s to ensure they are on track for all their life and financial goals and we look forward to seeing what the future holds for them.
If you would like some similar advice or to have a chat regarding insurances or finance, please get in contact with us. You could also have your picture on our Facebook.

Mark & Kaye - Planning Retirement

🏖 Mark and Kaye settle into retirement 🏖

Mark and Kaye, our amazing neighbours are now settled into retirement but that is not always a seamless transition. Over the last year there have been some big changes to their situation which has meant they have had to reassess their retirement plan.

From planning their retirement to updating income and assets with Centrelink, we have helped make their transition into retirement seamless… Just ask them 😉
We all know dealing with Centrelink is a nightmare and with the current COVID environment, Centrelink HQ is not necessarily a safe place to visit. We were able to help them set up their online portal and update their income and assets saving them the hassle and time of working it out themselves.

As you can see, they now have peace of mind and are settling into retirement. P.S boy do those jumpers look good!

Happy Retirement Guys!


Tim & Paige - First Home Buyers

🥳 Congratulations to Tim & Paige on buying their first home 🥳

Tim and Paige came to us when they had tried for an approval directly through a bank branch but were not happy with the service for a few reasons including they were making them pay LMI.

Being first home buyers, we explained to Tim and Paige the First Home Loan Deposit Scheme (FHLDS) and how they would be eligible to not pay any LMI through certain banks that are part of the scheme. They also would qualify to not pay any stamp duty on their purchase.

Within no time they had been accepted on a home and we began the finance application. With the current evolving climate where prices of homes have fluctuated, valuers are not always wanted to visit homes and banks policies have been changing it presented new challenges for us.

We managed to navigate around all of this will help from Tim & Paige’s solicitor and they are now proud owners of their first home.
Congratulations to you both, we are glad we could help 😊

#firsthome #firsthomebuyer #noLMI #nostampduty #mortgagebroker

Megan & Marty - Purchase New Home

🐕The Rennie’s buy a new family home🐕
Matt and Megan decided they were due for an upgrade in their living situation and had decided to purchase a new home. They contacted us wanting to know what offer they could make for this house and how much they were able to borrow.
Their situation had a few different parts for us to look at including which lender would be most suited for someone with self-employed income and a university student.
After finding a lender that would maximise their borrowing capacity, we worked out what their final offer could be on the house. It didn’t take long for their offer to be accepted and we proceeded to secure them the finance for the home.
I really enjoyed helping the sister and brother in-law out in getting them finance for their new home. I even got to be their 1 person helping with the move – as you can see, we kept the 1.5m distance too.
#mortgagebroking #finance #homebuyer #clientfirst #family #sold

Brady – Income Protection

🏉Brady Starts Pre-Season With Some Income Protection🏉

Tooradin Dalmore Football Clubs new recruit Brady Egan has joined the MJ Financial Chiefs community.

The fast-paced endurance runner has made the sensible decision to look after himself and partner financially in an event he is unable to work due to injury or illness.

We have been able to structure Brady’s insurance so that in the event of a fracture to certain body parts he would be able to receive a lump sum benefit.

Another bonus is that all payments towards his income protection are tax deductible allowing him to claim the premium back at tax time.

Now Brady can go out on the footy field with piece of mind knowing that if he decides to put his head over the footy he is protected financially.
If you think you can benefit from the same protection, please give us a call.

#financialadviser #insurance #incomeprotection #tatts

Want to see more of our success stories click the link below.

Luke - Excavator Finance

🚜Luke B Purchases an Excavator to Help Grow His Plumbing Business🚜

Sole Trader Luke contacted us as he has been running his own plumbing business for a while now and he was finding that constantly hiring an excavator was impacting on his overall profits.

He had put together cash flow projections that showed how a new excavator would help his cash flow and how this would help him secure more business going forward.

We were able to help Luke to secure a loan for the Excavator which he now owns.

Whether it’s a new car, excavator or equipment for your business we can help secure you a commercial loan too.

#assetfinance #mortgagebroker #financialadviser #yasmine

Want to see more of our success stories click the link below.

Nic - Super and Personal Insurance Review

🏉 Emerald Bombers Captain Takes Steps To Protect Himself & Partner Financially & Start His Path To Retirement Early 🏉

Nic Jansen has become another of our valued members of the MJ Financial Chiefs community.

Nic came to us to see if we could review his current Life, TPD and Income Protection insurance policies to make sure they were appropriate for his current needs and he wasn’t paying too much as the current policies were implemented over 2 years ago.
Along with his insurance we were able to review his current superannuation fund. Nic did not have an ongoing relationship with his current adviser; however, he was paying a reoccurring annual fee through his superannuation.

We have restructured Nic’s superannuation to ensure he is on the right path building funds for his retirement and have removed his ongoing fees as there was no need for ongoing management at his age. We have also updated Nic’s Life, TPD and Income Protection levels to reflect his current life stage.

It is important to review your insurance every couple of years due to changes in your circumstances and market offerings.

#financialadvisormelbourne #financialplannermelbourne #independentfinancialadvisor #Finance#MJFinancialChiefs

Scott, Kami & Jet - Refinance To Reduce Interest Rates

🏡Chiefs First Client Reduces Interest Rate!🏡

Scott, Kami and their dog Jet were MJ Financial Chiefs first client.

With an interest rate of 4.89% they approached us looking to see if they could reduce their rate as they heard current rates available were under 4.00%.

After exploring the market and the different bank institutions, we were able to find a bank that reduced their interest rate by over 1% and has an offset account attached to suits their needs.

Scott and Kami are now putting more money towards their mortgage, whilst paying less interest saving them thousands of dollars over the term of the loan.

If you’d like to reduce your interest rate and see what’s available to you CONTACT US and we would be more than happy to help.

#DogsInTuxedos #Refinance #ReduceDebt #DebtFree #Finance#MJFinancialChiefs

Jason & Gaby -
Refinance, Debt Consolidation, Super & Insurance

👨‍👩‍👧Young Family with A New Financial Direction👨‍👩‍👧

It was a balmy summers evening when Jason and Gaby first contacted us. With a home loan interest rate of 4.26% and some other debt that had been structured poorly with high interest rates, their cashflow was taking a hit.

When speaking about their values, it was clear that family was important to them. They wanted to ensure they had the appropriate insurance in place to pay off all their debt if something were to happen to them and income protection in place to help with their everyday expenses in the event of illness or injury.

We were able to refinance, restructure and consolidate their current debt onto a reduced interest rate of 3.81%. This freed up additional cashflow for the young family reducing their stress levels and interest paid.

We have since applied for appropriate insurance for both Gaby and Jason of which are partly paid out of their superannuation and cashflow for Jason’s Income Protection where he will receive a tax deduction for this premium.

#refinance #mortgagebroking #pakenhammortgagebroker #pakenhamfinancialadviser #finances #insurance

Chase - Income Protection

🎊What a great way to start the New Year!🎊

Chase and the family came to us worried about how they would pay their bills if Chase were unable to work.

Chase plays football and wanted to ensure his income was protected if he were to become injured during football or during everyday life.

Chase now has peace of mind through an income protection policy which will enable Chase and the family to live without financial worries.

We are so pleased that we were able to make a difference to this young family’s life!


#mjfinancialchiefs #financialfreedom #incomeprotection

#clientfirst#peaceofmind #insurance

Matt - Super and Personal Insurance Check

🏉Starting Pre-Season with Income Protection & A Financial Health Check🏉

Tooradin Dalmore Football Captain Matt L is one of the newest members of the MJ Financial Chiefs community.

Matt came to us as he wanted to review his current superannuation and insurance position to make sure it was appropriate for his current needs. Matt did not have an ongoing relationship with his current adviser; however, he was paying a reoccurring annual fee through his superannuation. He also had his life, TPD and income protection policies put in place 4 years ago that did not reflect his current situation.

We have since restructured Matt’s superannuation to ensure he is on the right path building funds for his retirement.  We have also updated Matt’s life, TPD and income protection levels to reflect his current life stage. The bonus for Matt is that while he has increased his levels of insurance and the features in his policies the premiums have decreased and he is able to pay these premiums through superannuation.

If your situation has changed it may be a good time to have a financial health check.

#superannuation #insurance #financialplanning #lifegoals

Laxmi - First Home Buyer

🏡 Facebook Ad Helps Laxmi Move Into Her New Home 🏡

Laxmi found our details through a Facebook advertisement where she noticed we were offering a  first home buyers program. She left her contact details and from there we were able to meet up and begin helping Laxmi on her home buying journey. We are absolutely delighted to have been apart of her home buying milestone!

“My husband & I would like to give a huge thank you to MJ Financial Chiefs and most importantly to our broker Justin. Justin was so easy to talk and had quick response, that made us comfortable throughout the whole process of obtaining a home loan. To secure a loan from a bank was not easy. However, Justin always gave us hope to keep going. Justin was also very knowledgeable and being a first home buyer that gave us a lot of assurance. Again, we would like to give a massive thanks for Justin for his dedication and perseverance throughout this journey. We are so happy with our choices and highly recommend Justin as a broker & MJ Financial Chiefs.”

Laxmi V

#firsthomebuyer #clientfirst #mortgagebroker #finance #makingadifference

Michelle & Brad - New Home Buyers

🏡 Congratulations to Michelle and Brad on buying a new family home  🏡
Michelle and Brad contacted us as they wanted to upgrade the home they were living in to better suit their family needs. After assessing their current situation, we worked through a plan to best set them up for the move. This process had a few parts that needed to line up as they had to sell existing homes ensuring the settlement dates lined up with the new purchase.
Once we had the structure of the plan in place, we organised a pre-approval for them to ensure they had some certainty when making offers on a new home. With the pre-approval already in place, this also made getting the formal approval easier once they found the home they wanted.
We are very excited for this family to start the next part of their lives in this amazing new home 😊
Thanks for letting us be a part of it!

Sarah & Zak - First Home Buyers

🏡More first home buyers on the scene! Congratulations Sarah & Zak!🏡
Sarah & Zak first approached us in late 2020 with the goal of purchasing their first home and a little over a year later they now have it!
By setting goals and working together we managed to pave a pathway for the young couple to complete their biggest achievement to date… From a finance point of view 😉
Searching for a house was the biggest hurdle for these two as they held a pre-approval for 6 months until they found the house that suited them best!
We worked with them to understand their borrowing power, the costs of stamp duty, the benefits that a guarantor could bring and how the overall process was likely to play out.
We are so stoked for these two lovely humans to start their new chapter together and look forward to working with them in the future.
Congratulations to you both!

Tim & Paige - Home Buyers

🏡 Congratulations to Tim & Paige on buying their family home 🏡
Tim and Paige first approached us a couple of years ago when they were buying their first home and we helped them navigate through that process where they maximised their first home buyer concessions.
Two years on and with their family growing we are pleased to have helped them upgrade into a new home better suited to this stage of their life.
The process this time was very different because they had to sell their current home ensuring the settlement dates lined up and work through costs that they didn’t encounter in the first purchase due to all the first home buyer concessions. We worked with them to understand their borrowing power, the costs of stamp duty and agent fees that needed to be taken into consideration to ensure they didn’t overspend.
We are so stoked for this family to start their new chapter in this lovely home 😊
Congratulations to you both!

Josh and Deb - First Home Buyers

☺️Congratulations to Josh and Deb on buying their first home☺️

Josh and Deb initially come to us with a clear idea of where they wanted to live but they were unsure if they wanted to build or buy an established home or what exactly they had as a borrowing capacity.

We ran through different scenarios with them including eligibility for the First Home Loan Deposit Scheme, First Home Owner Grant, Stamp Duty Concessions and their borrowing capacity and estimated interest rates and repayments for each option.

After they had settled on an option we proceeded to apply for a pre-approval. It was lucky we had run through a few scenarios together as shortly after we started this process with the bank, they found out about some absolutely crazy site cut costs and switched to another scenario away from building a home.

It was certainly a long process for Josh and Deb to work out what they really wanted and what would be most financially appropriate. They managed to settle on an established home which they find themselves in now. We are so glad to have helped them along the way and really love seeing them with a smile on their faces 😊

A lot of love for these two <3

#firsthomebuyer #mortgagebroking #finance  #clientfirst 

Jake & Lauren - First Home Buyers

🏘Congratulations Jake and Lauren on buying their First Home! 🏘
Jake and Lauren first contacted us to walk them through the home buying process in 2019. Initially they just wanted us to assess their borrowing capacity so they would know how much they would be able to spend on a home. However, shortly after speaking to us they decided the search for a home was getting serious and wanted to start making offers on properties, so we completed a pre-approval.
Their house hunting was unfortunately put to a holt due to COVID-19 lockdowns in Melbourne last year. Post lockdown their situation had changed a little and we ran another assessment and completed a pre-approval with a new bank which now suited them best.
From there it was smooth sailing, they got the approval on their new home and we are so happy they are enjoying their new space and that we have been apart if the journey 😊
Fortunately for us we will continue to work with Lauren as she is our go to when it comes to using a Conveyancer.
If anyone is buying and needs a Conveyancer, please contact us for Lauren’s details!

Jordyn - Purchases a New Car

🚗 Jordyns’ New Automobile 🚗

Jordyn came to us in December last year wanting help to finance her new car purchase.
Initially we wanted to get the application organized for Jordyn to pick up the car quite quickly but due to covid impacting car supplies in Australia, this was delayed, and she had to wait patiently… for 6 months for the car to arrive.
We are very excited to see how happy Jordyn is with her new car now and it has been our pleasure helping her get the required finance.

Jackson & Alex – Build their dream home

🏆We are excited to see both Jackson & Alex moving into their new home!🏆

We met up with Alex & Jackson in May 2020 as they first embarked on their journey to build their first home. It is now June 2021 and they have just moved into their new place, and we are absolutely stoked that we were able to make another young couples dreams come true!

Building can be a long-drawn-out process, in this case 12 months but we were able to guide Alex and Jackson through paperwork, applications and never-ending questions from the bank and builders. :p

Due to COVID we had to navigate a completely contactless process. We caught up in the beginning to answer all questions about the process and any concerns from the family but moving forwards were able to complete everything over phone and email.

We were able to take advantage of multiple First Home Buyers grants on offer including the First Home Loan Deposit Scheme meaning they would pay no Lenders Mortgage Insurance and receive a rate of 2.99% with a minimum deposit.

We enjoyed working with you both and we hope that your experience was just as good as ours! Congratulation! 😊

#firsthomebuyer #noLMI #stampdutyconcessions #homebuildergrant

#mortgagebroking #finance #firsthomebuyer #clientfirst 

Lewy - Builds A House

🎉Congratulations Lewy on moving into your new home!🎉
Building a house can be stressful, especially when you have never done it before!
Lewis first got in contact with us in early July 2019 with the dream to build his first home. It is now May 2021, and he has just moved into the new fortress and we are so proud to have guided him through the paperwork and the banks every demand to get him to where he is today.
Just like any new home buyer we went through his situation, what he wanted to achieve and completed an assessment of how much he could borrow. From there it was time to start looking for some land and a house that he wanted to build. We were able to liaise with his builder from the start to ensure everything was structured in his favour. This included negotiating when his deposits would be required and answering any questions the builders had to save Lewis the hassle.
Fortunately, we also were able to maximise his eligibility for the grants on offer and the rest is history!
Thanks Lewy, we hope you have enjoyed working with us as much as we have enjoyed working with you. Congratulation’s mate 😊

Mick & Mariah - Are Moving To The Beach

🏡Mick & Mariah landed their own bit of soil🏡

After months of searching far and wide Mick and Mariah took a leap and bought some land close to the sea, where they plan to build their forever home!

We have been working with the couple for several months while they were searching for the perfect spot to live out the next stages of their lives. Fortunately for them they managed to find a little gem of a spot in a completely different part of the world to where they were first looking.

From our perspective, it’s been a pleasure helping Mick and Mariah get their loan and we look forward to seeing the final result of the construction in the future.

For those who are thinking about building the Government have extended the HomeBuilder Grant for building contracts entered into from January 1st 2021 until March 31st 2021. The Grant has also been reduced from $25,000 to $15,000 for this period of time. Contact us for details.

#financialplanner #mortgagebroker #mjfinancialchiefs

Sami – Buys Her First Home

💃🏽Soaring Sami Buys A House💃🏽

First Home Buyer Sami came to us after getting a pre-approval through a bank branch. She wanted to know if there was another option available for her that would let her borrow more.

Being a first home buyer, she was eligible for the First Home Loan Deposit Scheme (FHLDS) which meant she only needed a 5% deposit and would not be charged Lenders Mortgage Insurance (LMI). Saving $1,000’s on her loan which is available with certain banks who are part of the scheme.

We managed to increase her pre-approval with another bank who was more flexible for her situation and allowed her to afford the home she had been dreaming of!

The whole process took no longer than 45 days, she has now settled and is happy as Larry 😊

It was an absolute pleasure helping Sami all the way through the home buying process and we are so happy to be able to make this happen for her.

#financialplanner #mortgagebroker #mjfinancialchiefs

Phil & Jen - Refinance & Consolidate Debt

🚨The Taylor’s Better Their Cashflow🚨

Phil and Jen have been big advocates for the Chiefs since day dot. They contacted us with an idea to consolidate debt to increase cashflow in these tough times.

Being in their 60’s they were unsure how they would go about refinancing as some banks require some intense exit strategies. With the current low rates, we were able to refinance their current debt freeing up their cashflow in the lead up to their retirement.

Although we had our challenges with the banks in this present environment, it has been our pleasure to help Phil and Jen and get them in a better cashflow position. Now the secret is out they have purchased a new dishwasher with the increased funds and believe it or not ours has just blown up. It should be noted that this photo was taken before all restrictions.

If you would like to take advantage of the low rates or consolidate some debt get in contact with us and we will be more than happy to help.

#cashflow #refinance #homeloan #support

Kates' First Home

🏡Congratulations to Kate on buying her first home!🏡

Kate came to us late last year when she felt she was ready to buy her first home. She wanted to know how much she would be able to borrow and what the estimated repayments would be.
We ran through a couple of scenarios with her and what deposit would be required for each scenario. Kate then took a couple of months to find her perfect home.

This worked out really well for Kate as while she was house hunting, the government announced the First Home Loan Deposit Scheme (FHLDS) which allowed us to sign Kate up to the scheme where she would pay no Lenders Mortgage Insurance (LMI).This meant Kate paid no stamp duty or LMI and was able to get an interest rate starting with 2!We are so happy to have been a part of Kate getting into her first home and hope it’s perfect for her for many years to come.

James & Kara - Insurance & Financial Review

🚨Wheelers’ Path to Protection🚨

Another Tooradin family take steps to join the MJ Financial Chiefs clan.

The Wheelers are expecting their 3rd child in the coming months and with the current environment thought it might be a good time to review their existing insurances and ensure their super beneficiaries and details are up to date and appropriate for them.

After looking at their automated insurance through their industry super funds it was quickly discovered that if they had to claim for Life, Total and Permanent Disability or Income Protection the couple would be affected financially due to insufficient cover. We were able to restructure their Life, TPD and Income Protection levels to reflect their current stage in life.

With the current world climate, it is important you have your insurance reviewed and nominated beneficiaries up to date. Be safe and wash your hands.

#covid #protection #insurance #besafe

Nathan – Purchase's New Work Car

🚘Nathan & Carruthers Brothers Carpentry Expands🚘

After helping Nathan last year purchase his first investment property, he has now seen his business Carruthers Brothers Carpentry continue to grow and required an upgrade to his work car.

We have helped Nathan with getting the finance for his new LDV and look forward to continuing to work with him as grows his business and personal finances.

Evan & Olivia – Purchase New Home

🏡Evan & Olivia Move Into New Home🏡

We were talking to Evan and Olivia for close to a year before they found the place, they now call home. Their situation had a few complications, we were initially finding a lender that considered common debt reduction but due to a change in circumstance and new jobs we had to find a lender who was more flexible with employment policies.

After considering all of their situation we were able to assess how much they were able to borrow allowing them to search and find their dream home.

It was an absolute pleasure helping Evan and Olivia all the way through the home buying process and we are so happy for them now they live in their ideal location.

#clientfirst #mortgagebroker #finance #makingadifference

Ben & Emily – Super / Personal Insurance Review

👨‍👩‍👧‍👧 Collingwood FC Physio Ben Shipperd and Wife Emily Take Steps To Protect Their Young Family Financially & Get a Head Start For Future Retirement. 👨‍👩‍👧‍👧

The Chief community grows by 4 as we welcome the Shipperd’s to the MJ Financial Chief family.

Ben & Emily came to us after having their second child to review their current Life, TPD and Income Protection insurance policies now that their situation has changed. Ben had last reviewed his policy 3 years ago and wanted to ensure he was not overpaying for his insurance.

The couple were also keen to get on top of their current superannuation funds, knowing that structuring their investments and reviewing their current fees would make a difference in their superannuation balance at retirement.

We have restructured both Emily’s and Ben’s superannuation rolling them into a cheaper product with investments that meet their risk profile. This will allow them to build their retirement funds effectively for retirement. We were also able to update both Emily’s and Ben’s Life, TPD and Income Protection levels to reflect their current life stage, whilst finding them cheaper premiums helping their cash flow.

If you are in a similar situation and would like to have a chat with us, please contact us for a free consultation 😊

#financialadviser #financialadviserpakenham #financialadviserbayside #financialadviserfrankston #financialadvisor #incomeprotection

Nathan - First Investment Property Purchase

👷‍♂️First Investment Property! Amazing Renovation Job!👷‍♂️

Congratulations on a massive May for Nathan! He has not only purchased his first investment property, but he has also completely transformed the place inside and out.

Check out the pictures below showing what he has done to this place in a matter of weeks adding instant value to his property. If you need any carpentry or renovation services, make sure you get in touch with Nathan Rennie and his brother Brayden Rennie who has helped him out immensely.

From our perspective, it’s been a pleasure helping Nathan with getting the loan for his first investment property and watching the enjoyment he’s had from renovating the home himself.

#firsthome #investmentproperty #renovations #carpenter #finance#homeloan

Jock - Refinances Home Loan & Reduce Interest Rate

🏃‍♂️ 💸 Jock reduces his interest rate sub 4% 😃

Jock approached us regarding his existing home loan as he had been with his current bank for 4 years and was not happy that they were consistently raising the interest rate on him to a point where it was above 5.00% p.a.
This was affecting his cash flow as his minimum repayments were increasing and the amount of interest he was repaying over the term of the loan was also soaring upwards.

As Jock is self-employed, this limited some of the lenders we could access for Jock. However, we worked closely with him and his accountant to prepare the require paperwork for this application and have managed to reduce his interest below 4% p.a. Saving Jock $$$.

#refinance #mortgagebroking #financialplanning#save #broking

#debt #clientfirst #Garfield#sponsorship

Adam - First Home Buyer

🏡Congratulations to Adam on buying his first home🏡

Adam came to us earlier this year expressing interest in buying his first home. He initially wanted to know how much he could spend, what concessions or grants he was eligible to receive as a first home buyer and what it meant to have guarantors on a loan and if it was appropriate for him.

We sat down with Adam to run through all the specific home buying details that were relevant to him so that he was clear on the process and how much he could spend when he began his house hunting.

After doing this, it didn’t take long for Adam to find his dream home. So we explored his options and managed to find a Financial Institution that best suited his needs!

Adam is now a proud owner of this magnificent home!

If you are wondering how much you can spend we’d be more than happy to walk you through the process of buying your new home.

#mortgagebroking #finance #firsthomebuyer #mjfinancialchiefs

#clientfirst #notyouraveragechiefs

Alana - Debt Consolidation & Refinance

🏋️‍♀️Cardinia CrossFit Gym owner frees up cash flow!🏋️‍♀️

Alana reached out to us late in 2018 to discuss her cashflow as she is a business owner and also has her own family. She discussed how a lot of her time was spent taking classes at the gym which is her passion and that managing the business finances was becoming too time consuming.

When we looked through her business and personal debt together, we noticed that over time her debt had been established in many different areas and that it was not structured in the most appropriate way to suit her needs.

We were able to consolidate Alana’s debt onto a reduced interest rate through one lender which is easier for Alana to manage and has freed up additional cashflow for Alana to spend on growing her gym or spoiling her family.

Anyone in the Pakenham area make sure you get down to check out Cardinia CrossFit Gym! Some amazing classes and people involved down there.

#debt #consolidation #mjfinancialchiefs #finance #broking #business

Adrian - Income Protection & Superannuation

🚘Mechanic Gets Protection🚘

Adrian is a mechanic and has been wondering how he would be able to pay his bills if he was out of work for a period of time. Adrian had done some surfing on the internet investigating different income protection options; however, he was unsure on all the specific features he required.

We discussed with him what his maximum monthly benefit could be, what wait periods and benefit periods meant and how he is able to claim a tax deduction for his income protection insurance.

Adrian now has an income protection policy that is tailored to his needs with a provider that is cost effective for him as a mechanic.

We were also able to get Adrian on track with his superannuation rolling him over into a cheaper product that allows him to invest appropriately to set him on the right track for his retirement.

#insured #yourlifesimportant #incomeprotection  #retirement #keepyourincome