Merlot Finance Australia

Merlot Finance Australia (MFA) is a specialised finance and mortgage company which offers strategic lending services for Australian home owners and investors in the property sector.

Our team works exclusively with our clients to understand their financial needs and develop a lending strategy which:

  • Educates and empowers borrowers to make better financial decisions,
  • Provides a cost effective loan structure best suited to the borrower’s circumstances,
  • Allows debt consolidation and mortgage reduction capabilities, and
  • Builds a platform for ongoing advice, investment and wealth management.

Our number one aim with every client is to build an investment portfolio while drilling down the mortgage in the family home (or any other non-tax-deductible debt) as fast and efficiently as possible, thereby saving years and thousands of dollars on the average mortgage.

MFA and its brokers are Authorised Credit Representatives of Choice Aggregation Services (CAS), one of Australia’s largest and most recognised mortgage aggregators. As a specialised mortgage broking company, we do not work for one particular bank and provide credit advice and access to more than 400 lending products across nearly all financiers in Australia. Our role is to work with the client to choose the most appropriate product from a lender that best suits their overall circumstances.

MFA offer strategic lending services for:

  • Home loans,
  • Investment loans,
  • Building & construction,
  • Standard variable loans,
  • Fixed rate loans,
  • Professional packages,
  • Lo-doc loans,
  • Re-financing loans,
  • Debt consolidation,
  • Mortgage reduction,
  • Personal loans,
  • Commercial loans.

Michael Hughes – Finance Director

Michael Hughes is a partner and executive director of Merlot Finance Australia and has more than 10 years experience in finance and client services. As finance director for MFA Michael has hands on end to end management of each client file working closely with borrowers and lenders to ensure the effective funding of each investment portfolio.

Michael Hughes is an Authorised Credit Representative and MFAA recognised mortgage broker. He has a Cert IV in Financial Services and a Diploma of Financial Services (finance/mortgage broking/management).

Compliance matters

MFA practices in accordance to the National Consumer Credit Protection (NCCP) Act 2009 and is a Platinum Member of Choice Aggregation Services (CAS), one of Australia’s largest and most recognised mortgage aggregators.

Our accreditations, memberships and awards include:

  • Merlot Finance Australia – Authorised Credit Representative 397290 of  (BLSSA Pty Ltd Australian Credit Licence 391237),
  • Michael Hughes – Authorised Credit Representative 398962 of  (BLSSA Pty Ltd Australian Credit Licence 391237),
  • Merlot Finance Australia – Certified Member 52651 of the Mortgage & Finance Association of Australia (MFAA),
  • Michael Hughes – Accredited Mortgage Consultant 52651 of the Mortgage & Finance Association of Australia (MFAA),
  • Merlot Finance Australia – Certified Member M0000563 of The Credit Ombudsman Service Limited (COSL),
  • Merlot Finance Australia – Finalist at the Australian Mortgage Awards (AMA),
  • Michael Hughes – Platinum Achiever, Finalist and Runners Up at the CAS Excellence Awards.