Property finance engineered for balance sheet growth
Your own private banker, without the conflicts. We engineer your borrowing power and structure your lending with strategy, not just a rate, mapping every move to your net worth target, whether you own your home or rent and invest.
Strategy-driven, bespoke mortgage advisers for ambitious professionals
Whether you own your home or rent and invest, the goal is the same: turn a strong income into a property portfolio that funds the life you want.
For owner-occupiers, that usually means clearing the home loan decades early, then building from the equity. For rent-vesters, it means growing a portfolio while you rent, with the flexibility to buy your own home down the track, and to reshape the portfolio for income later in life, when the goal shifts from capital growth to cash flow. Either way, the edge is the finance strategy and structure behind each move, not the rate.
Our work suits professionals with $200,000+ household income who want their borrowing power working as hard as they do. If we can’t measurably improve your position, we’ll tell you on the first call.
- A$400K+ average interest saved per client.
- 2000+ valued clients have grown their wealth with Build & Protect.
Our services
Residential Home Loans
Specialised residential loan services that are tailored to your unique situation and goals
Investment Loans
Access a wide range of features and benefits on your property investment journey.
Refinance
Save money, access equity and loan features to help you reach your goals sooner.
Pre-approval loans
Buy with confidence and show sellers you’re serious and financially capable.
SMSF loans
Tailored SMSF loan options that suit your specific requirements.
Commercial Property Loans
Finance for commercial property purchases and refinancing, arranged through our trusted commercial finance partners.
Car loans
Secure the right finance for you no matter what type of car you are buying, whether its for personal or business use.
Unmatched Lender Access
We offer access to thousands of loan products across 80+ bank and non-bank lenders.
Because lenders all assess risk differently, Build & Protect develops a lending solution that actually fits your situation, and at a lower overall cost.
Who is Build & Protect
Financial Services?
Your Private Banker – Without the Conflicts
We’re not your typical mortgage brokers. We came from inside the banks, with backgrounds in banking and financial planning, the side that decides how lending and risk actually work. Since 2010, we’ve used that insight to help high-income professionals grow their net worth through property.
That’s what “private banker, without the conflicts” really means. We read your position the way a bank’s credit committee does, then we work for you, not the banks, structuring your lending to grow your balance sheet, not just to settle a loan.
And it’s not just us. You get our trusted network of specialists, so every part of your financial life is handled by someone who does it for a living: accountants, financial advisers, insurance brokers, estate planners and conveyancers, and buyer’s agents.
Institutional insight. Real-world experience. Genuinely on your side.
Professional guidance. Proven strategies. Genuine support you can trust.
Book a Strategy CallOur Process
Our process
How we work with you
It starts with a complimentary strategy call. No cost, no obligation, and genuinely useful whether or not we end up working together.
Your complimentary strategy call
In 30 minutes we diagnose exactly where you stand and the moves that get you further, faster. You walk away knowing:
- Your real borrowing power, and what is quietly capping it
- Whether your current loan structure is working for you or against you
- The gap between your current path and the goal you are aiming at
- The specific next moves to close that gap
This is the strategic diagnosis, delivered at no cost. You leave with clarity and clear next steps, whether or not you go further with us.
What happens next
We confirm the plan
Goal, numbers and timeline locked in, so every move has a purpose.
We find the sharpest structure
We scan 40+ bank and non-bank lenders and shape the option that genuinely fits you.
We run it end to end
The full application, managed for you and kept on track at every stage.
Settlement, and beyond
We see you through to settlement and stay on hand for the next move.
We work with your whole team
We work alongside your accountant, financial planner, solicitor and buyer's agent where it helps, or give you exclusive access to our network of trusted, tried and tested professionals, all aligned around your plan.
No cost. No obligation. Remunerated by the lender, not by you.
Client-for-Life Commitment
Our relationship doesn’t end at settlement. However you start with us, a single loan or a full strategy, the same ongoing commitment applies to every client, at no cost to you:
- Rate and product reviews every six months, so your loan never quietly falls behind the market
- Property valuation reviews to track your equity and your next options
- A six-monthly strategic review that keeps the bigger picture on course, your mortgage-free date or net worth target, as your income, goals and the market shift
- A check-in whenever your circumstances change, with honest guidance on refinancing, restructuring, or staying put
This is funded by the lender, not you.
Why choose Build & Protect?
Any broker can secure you a loan with a rate. But not every broker will protect your interests.
Our bespoke mortgage services are suited to a limited number of professionals earning $200,000+ p.a. (household income), who value strategic guidance and a measured approach.
If we can’t clearly improve your position or add genuine value – through structure, strategy, flexibility, or cost — we’ll tell you upfront.
Strategy-driven,
tailored adviceYour income, goals and timeline are unique, so your finance strategy is built around them. Never a generic recommendation pulled off the shelf.
How to borrow,
not just how muchWe assess how much you can borrow, and how you should borrow – with flexibility, buffers, and long-term strategy front of mind.
Led by proven finance experience
We wouldn’t recommend anything that we wouldn’t do ourselves. Working with one of our senior advisers who has 15+ years in finance and property (buying, selling and negotiating) with their own skin in the game.
Fast, personal, accessible
One senior adviser from first call to settlement and beyond. Strategy turnarounds typically within 48 hours of receiving your documents, plus after-hours support and a direct line while your deal is live.
What our customers are saying about us
See All ReviewsDong Yang
Mike is very patient, professional and prompt. Strong recommended reaching out to him if you have any financial needs.
Wei Li
We feel so lucky to have had Mike as our loan broker. He was incredibly patient, communicated clearly at every step and worked really hard to secure the loan we needed. Nothing was ever too much trouble and he always took the time to explain our options in a way we could understand.
We were recommended to Mike by a close friend and we’re very grateful for that referral. We wouldn’t hesitate to use him again and highly recommend him to anyone looking for an honest, professional and reliable broker.
Nguyet Bui
Thanks to Mike and his team for professional effort to get our home loan approval within one week with the lowest interest rate. More than that, we also got another unconditional home loan approval. They are such great news for us within three months working with Mike and his team. We strongly recommend Mike and his team for their unique service. The Build & Protect Financial Sevices Pty Ltd with Mike’s wonderful experiences and endless dedication is the most trusted company whenever you want to release all your stress on financial support to buy your houses.
Remo Merlo
This is the second time I’ve used Michael’s services at B & P financial. Thanks for doing all the hard work setting up my home loans. Highly recommended broker and a genuinely nice guy.
Cheers Remo MerloKwabena Frimpong
Buying your first home isn’t easy, but working with Michael made the process so much smoother. He was diligent, professional, and truly committed to securing a loan for my first property. I couldn’t have asked for better support—highly recommend!
John G
We recently worked with Michael from Build & Protect Financial Services Pty Ltd, and the experience was nothing short of outstanding. Michael is truly one of the best in the business, knowledgeable, professional, and incredibly supportive throughout the entire process.
He went above and beyond to ensure everything was clear and stress-free, guiding us step by step with patience and genuine care. His expertise and dedication gave us complete confidence, and he always made himself available whenever we had questions.
It’s rare to come across someone so reliable and kind in this industry. We couldn’t be happier with the service we received and would highly recommend Michael and Build & Protect Financial Services Pty Ltd to anyone looking for a trustworthy mortgage broker.
Silvia
Michael helped me with my home loan from start to finish and made everything so easy for a first-time home buyer. He was always friendly, responsive and helpful – his services were invaluable. Highly recommend him!!
Geoffrey Edouard-Betsy
Amazing customer service by Michael Bell, very helpful and highly recommend doing business with him. Thank you again Michael.
Dwi Osiana
Will definitely recommend Mike Bell, he has gone above and beyond to help us securing our first home. He is always ready to help anytime. Thank you again Mike.