Strategy-driven, bespoke mortgage advisers
At Build & Protect Financial Services, we approach lending strategically – taking the time to understand your situation before recommending the lender and structure best suited to you.
Our bespoke mortgage services are suited to those seeking to leverage their high earning capacity to build wealth – whether beginning with their first home or next investment – and protect the lifestyle they envision for the future.
Build a $3M-$10M+ property portfolio without sacrificing lifestyle or taking uncontrolled risk – using a structured, data-driven strategy designed for higher-income Professionals.
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.
Car loans
Secure the right finance for you no matter what type of car you are buying, whether its for personal or business use.
Rapid Mortgage Elimination Strategy
Clear your mortgage decades ahead of schedule without sacrificing future borrowing capacity.
Property Wealth Strategy & Finance Plan
Build a scalable property portfolio with finance structured for long-term wealth.
Unmatched Lender Access
We offer access to thousands of loan products across 40+ 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
Since 2010, Build & Protect Financial Services has helped thousands of Australians build, manage, and protect their wealth with confidence.
We operate like your own private banker, without conflicts of interest. We work for you, not the banks.
We take the time to understand your full situation, then use our expertise and technology to identify the lenders that best align with your goals. When it comes to negotiation, we push for the outcome that’s right for you — not for any one lender.
You’ll also have access to our trusted network of professionals, including:
Professional guidance. Proven strategies. Genuine support you can trust.
Our Process
Schedule Your Free Strategy Call
Book a complimentary strategy call with one of our experienced finance strategists. This initial discussion helps us understand your goals and circumstances, with no obligation or commitment required.
Strategy Presentation: Your Personalised Game Plan
If you choose to proceed, we present a clear, data-driven strategy tailored to your income, goals, and long-term wealth plan.
You’ll see exactly how to structure your lending, what’s possible across the market, and the smartest path forward to build and protect wealth.Loan Application and Approval
Once the right strategy and solution is selected, we manage the full loan application process, working directly with the lender and keeping you informed at every stage.
Settlement & Ongoing Support
After approval, we guide you through settlement and continue to support you with ongoing access to our team and regular check-ins to review your loan and strategy.
Client-for-Life Commitment
Our relationship doesn’t end at settlement.
We provide ongoing, structured reviews to ensure your lending remains appropriate as circumstances, policies, and market conditions change.
Reviews are provided as part of our ongoing service and are designed to optimise your financial outcomes.
- Six-monthly check-ins, or when needed
- Rate and product reviews every 6 months
- Property valuation reviews to assess equity and options
- Strategy alignment or realignment following changes to income, goals, or portfolio structure
- Guidance on refinancing, restructuring, or staying put, depending on suitability
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 $150,000+ p.a, 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 adviceOur advice is tailored to your unique income, goals, and future plans – never generic recommendations with just a rate quote.
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.
Lead by proven
investment experienceAt Build & Protect, we wouldn’t recommend anything that we wouldn’t do ourselves. Working with one of our senior advisors means having access to a property investor with their own skin in the game, with well over 15 years of buying, selling and negotiating in property transactions nationwide.
Fast, personal, accessible
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.