Why Work with Monet Finance?

Most people don’t just need a lower interest rate - they need someone who can help them understand how their loan actually works, whether it still suits their goals, and what options are available as life changes.

Mike Mitchell and the team at Monet Finance take a more strategic approach to lending. Rather than pushing clients toward a single product or lender, we spend time understanding their situation properly first. That includes understanding:

- how their income works

- where they’re trying to get to

- what flexibility they may need later

- and how different lenders are likely to assess their scenario

A large portion of our clients are self-employed, run businesses, invest in property or have more complex financial structures. In those situations, lender policy and loan structure can make a massive difference, not just to getting approved, but to how useful the loan remains over the long term.

One of the biggest frustrations we hear is that once a loan settles, the relationship with the bank effectively disappears. Nobody checks, whether the rate is still competitive, the structure still suits the client, what opportunities have opened up or whether their financial position has improved over time.

That’s why we continue working with our clients well after settlement.

Every six months, our team proactively checks in to review each client’s lending position and make sure everything is still working the way it should be. Sometimes that means negotiating with the existing lender. Other times it means reviewing refinance opportunities, restructuring the loan, or simply making sure the client still understands their setup and is comfortable with where things are heading.

For self-employed clients especially, borrowing power and lending options can change significantly over time depending on:

- business performance

- tax returns

- liabilities

- cashflow

- and lender policy changes

We want clients to have someone in their corner who’s actually paying attention to those things — not just someone who helped them settle a loan years ago.

We also believe finance should be explained properly. Terms like:

- offset accounts

- redraw

- interest-only lending

- split loans

- fixed rates

- and equity access

are often thrown around without much real explanation. A big part of our role is helping clients understand how these things work in practice so they can make informed decisions with confidence.

At the end of the day, we’re not trying to run a high-pressure sales operation or funnel clients into one-size-fits-all solutions. Mike Mitchell and the team built Monet Finance around the idea that clients deserve honest advice, clear communication, ongoing support, and lending strategies tailored to their actual situation... not whatever happens to suit the bank at the time.