Everyone has financial goals but most might need some help in the steps getting there. Let me help by making sure your structure is in line with your goals. I specialise in providing my clients with tailored loan solutions for all types of lending scenarios ranging from first home buyers, experienced investors to large development and commercial finance.
My philosophy is that my primary role is to make sure your money is working for you and not you working for your money. I truly believe that implementing the right loan structure can save you thousands over the life of the loan and can prepare you for any unexpected changes in the market.

About Michael Flahive

As part of my service, I will guide you through the entire property purchase and loan process. I understand that you will need guidance and am available 7 days a week to help you. I provide guidance on other professionals you may need to engage, to complete the purchase of your first home making the purchasing experience as stress-free as possible for you.
I can help you budget towards saving a deposit and get in the right financial frame of mind for having a home loan. Particularly for first home buyers, a good budget can make a world of difference to how long it takes you to be ready to purchase property and how you cope with a home loan once you have one.
When refinancing we will look at the cost and benefits of the situation so you can make an informed decision. We will go through the sums to show you the costs involved in changing home loans, as well as your projected costs over time for both your current and proposed home loans.
Important consideration: Will refinancing achieve the desired result or place you in a better financial position than sticking with your current loan. If the answer is yes, then refinancing may be right for you.
A well planned investment loan can make property investment a much smoother process. Investment loans vary depending on what you are looking to achieve, and can be either very simple (like your standard home loan), or something more complex that helps you to make effective use of tax, gearing and repayments.
Talk with me today to find out how you can make good use of loan features such as redraw, offset and additional repayments to help manage your investment loan.

Construction loans are specifically designed loans to enable you to build a new home. There are generally two ways that construction loans are structured:As a package – where the house and land is managed with one loan. As a split loan – one loan to purchase the land and a second loan to complete the construction phase.
A house and land package where building contracts/tenders are available at application stage means the lender can conduct a valuation based on an “as if complete” value. This enables the lender to determine if the proposed house and land package will be suitable to take as security for the loan.
The second type is more common with people having to purchase the land before house plans are available. In this situation, we establish one loan to purchase the land with a second application for an estimated build price submitted to the lender for pre-approval. This provides you with the confidence that you should be able to obtain the remaining funds required to complete the build. When you are ready, we submit your fixed price contract and plans to the lender to obtain formal approval.

When we asked Michael…

4 people you would invite to dinner?
My wife, two kids and Chris Judd.

What is your dream holiday destination?

If you could work on a project for any company in the world, who would it be, and why?
Disneyland. To see and embrace the sheer excitement.

Most famous person you have ever met?
Zinedine Zidane and the Pope

Give us a tip?
Choose your goal. Focus on what you can control. The rest will take care of itself.

How do you deal with criticism?
Embrace it. Not everyone articulates their point as well as we’d like, but any feedback is good feedback. It’s how you respond to it that defines you..

What superhero would you be?


Best service provided to us and very supportive.


Book an Appointment

Call me for a free home loan health check.

I will compare your current loan to hundreds of other finance options to see if a different mortgages maybe more suitable potentially saving you thousands of dollars and lowering your monthly repayments.

Been located in the Mulgrave and predominantly service clients in Carrum Downs, Springvale, Langwarrin and Frankston.

    I would like to receive the latest mortgage news

    By sending, you accept and agree to RateOne's Privacy Policy.