About Miles Financial

Miles Financial was founded with a simple belief: people and businesses deserve more from their lending experience.

We are a boutique residential and commercial finance brokerage and lending advisory firm, built to combine the expertise and strategic thinking of professional banking with the personal service, accessibility and accountability of a small business.

Finance is our craft. We go beyond simply arranging loans, taking the time to understand each client’s circumstances, goals and broader financial position before structuring tailored lending solutions designed to support both their immediate needs and long-term wealth goals.

Our approach is centred around highly personal service, expert advice and long-term relationships. From buying a first home or building an investment portfolio to funding a business or commercial property, we aim to be the lending partner our clients can rely on through every stage. Settlement isn’t the end of our relationship; it’s where the real relationship begins.

About Jack

Jack Russell is the Founder of Miles Financial. A former corporate banker with one of Australia’s largest banks, Jack has spent most of the past decade working across the banking, credit and mortgage broking industries, developing experience across both residential and commercial lending.

His time in corporate banking shaped the philosophy behind Miles Financial.

“Coming from corporate banking, I saw first-hand the level of advice, strategy and personal service that large businesses and institutions receive. I started Miles Financial to bring that same level of care and expertise to everyday people and businesses, helping them make smarter lending decisions and build towards their long-term goals.”

Today, Jack brings that same approach to every client: understand the bigger picture, provide considered advice and build lending solutions designed for the long term.

Director and Lending Adviser of Miles Financial

Jack Russell

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Our Difference

Professional Advice, Personal Service

We believe great lending advice starts with understanding the person behind the numbers. We take the time to understand your financial position, goals and what you’re working towards before recommending a solution. Drawing on our banking and lending experience, we combine professional advice and strategic thinking with the personal service of a boutique firm. You’ll have a dedicated adviser who knows your circumstances, manages the process from start to finish and is available when you need them. The result is lending advice that is considered, tailored and built around you.

Independent and Accountable

Miles Financial is independently owned and operated, not a franchise, bank or large corporate-owned brokerage. As a small business, our reputation is everything. We know it takes years to build, can be lost in a moment and must be earned with every client. You won’t get lost in a large organisation or passed between faceless back-office teams; you’ll receive personal attention from people who know your circumstances and take ownership of the process. With access to a broad panel of lenders, we advocate on your behalf, communicate clearly and remain accountable from our first conversation through to settlement and beyond.

Long-Term Partners

For us, settlement is the beginning of the relationship, not the end. We stay connected after your loan settles through regular lending and interest rate reviews, helping ensure your finance remains competitive and continues to support your changing circumstances and goals. As your life, investments or business evolve, we’re here to help with the next lending decision and ensure your overall structure keeps moving with you. Eligible settled clients also receive two years of complimentary Equifax ID & Credit Protect, providing an additional layer of credit monitoring and identity protection as part of our ongoing commitment to our clients.

Our Process

We take the time to understand where you are, where you want to go and what matters most. From there, we build a clear lending strategy, guide you through every step and remain by your side as a long-term finance partner.

  • We take the time to understand where you are, where you want to go and what matters most. From there, we build a clear lending strategy, guide you through every step and remain by your side as a long-term finance partner.

  • We review your financial position in detail and assess your requirements against our panel of lenders. We consider lending policy, borrowing capacity, loan structure, features and pricing to identify the options best suited to you and your goals.

  • We bring everything together into a clear lending strategy and present our recommended lender, loan structure and solution. We’ll walk you through the recommendation, explain why we believe it’s right for you and make sure you’re comfortable with the strategy before moving forward.

  • Once you’re ready to proceed, we prepare and manage your application from submission through to approval. We work directly with the lender, manage any additional requirements and keep you informed throughout the process.

  • Once approved, we coordinate with you, the lender and any other parties involved to help ensure everything is ready for settlement and funding. We’ll guide you through the final steps and remain available right through until your loan is settled.

  • This is where we aim to differentiate ourselves and deliver the most value. Our relationship doesn’t end at settlement. We continue to review your lending, help keep your rates competitive and provide ongoing advice as your circumstances and goals evolve. As part of this commitment, all settled clients also receive complimentary Equifax credit and identity protection, helping safeguard their financial position well beyond settlement.

Work With Us

Frequently Asked Questions

  • A mortgage and finance broker helps you navigate the lending market, compare suitable lenders and structure finance around your goals. At Miles Financial, we take this further by acting as your lending adviser, not just your broker. We provide strategic guidance, advocate on your behalf and manage your lending from application through to settlement, with ongoing advice and support as your circumstances evolve.

  • For the vast majority of residential and investment lending, there is no direct cost to you for our broking service, as we receive a commission from the lender following settlement. Some commercial, complex or specialist lending scenarios may involve a fee depending on the work required. Where a fee applies, we’ll always explain and agree this with you upfront before proceeding.

  • We have access to a broad panel of banks, non-bank and specialist lenders, allowing us to explore lending options beyond your existing bank. Rather than favouring a particular lender, we assess your circumstances, objectives and requirements before recommending suitable options and clearly explaining why we believe a particular lending solution is appropriate for you.

  • Your bank can generally only offer its own products and lending policies. We can compare options across a broad panel of lenders and advocate on your behalf. You also gain a dedicated adviser who understands your circumstances, manages the lending process and continues to support you after settlement through ongoing lending and rate reviews, ensuring your finance continues to align with your goals.

  • Yes. Self-employed and complex lending are core areas of our business. We understand business financials, company and trust structures, contractor income, multiple income streams and more complex borrowing scenarios. We navigate lender credit policies and structure applications carefully, helping identify lending options that may not be obvious through a standard bank assessment.

  • We are a residential and commercial finance brokerage and lending advisory firm. We can assist with home loans, refinancing, investment property lending and complex residential finance, as well as commercial property, development finance, business lending and other commercial facilities. This allows us to support clients across their personal, investment and business lending needs.

  • For us, settlement is where the real relationship begins. We stay connected through regular lending and interest rate reviews, helping ensure your finance remains competitive and continues to support your changing goals. As your circumstances evolve, we’re here to help with your next lending decision. Eligible settled clients also receive two years of complimentary Equifax ID & Credit Protect as part of our ongoing client service.

  • It starts with a conversation. We’ll take the time to understand your circumstances, what you’re looking to achieve and where you are in your lending journey. From there, we’ll assess your position, explain your options and provide a clear path forward. Simply complete the form below, call us on 0478 959 777 or email hello@milesfin.com.au to start the conversation.

Let’s Work Together