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Empire Road Investments (Specialist Lending Co.)

Updated 2026-07-30 · 4,285 reviewed · 380 listed · Scored from 29 Google reviews · How we rank ›

5.0(29) 86 composite score See reviews on Google ✓ Google-verified
First Home Buyer LoansRefinancingInvestment Property FinanceCommercial & Business FinanceConstruction & Building LoansSelf-Employed & Low-Doc LoansCar & Personal LoansMortgage Broker
Empire Road Investments (Specialist Lending Co.)
Services
First Home Buyer Loans, Refinancing, Investment Property Finance
Reviews
29

What recent reviews say

Michael, Rhys, and the team consistently deliver patient guidance and quick problem-solving. Clients praise their willingness to explain mortgage steps clearly, hunt for better rates, and respond at all hours. First-time buyers report feeling confident after working with them, and refinancing customers have saved money or shortened loan terms. No complaints surface across the 15 reviews supplied.

Praised for
  • patient explanation of complex processes
  • available and responsive to questions
  • goes above and beyond to find better rates
  • professional and personable staff
  • walks clients through every step
responsive-communicationexplained-clearlygot-best-ratepatient-with-questionswent-above-and-beyondknowledgeable-brokergreat-with-first-home-buyersreliable-followup
Best for: First-time buyers who want step-by-step guidance and refinancers hunting for rate savings.

Strengths

  • named brokers Michael and Rhys handle cases personally
  • hunt for better rates and consolidation options
  • patient with first-time buyers over extended process
  • responsive at all hours

Worth knowing

  • Michael De Mello and Rhys named as primary brokers who handle cases directly
  • Michael helped one couple over a year-long process defining property portfolio and financial goals
  • Refinance example: saved one client money and knocked 2 years off mortgage term
  • Brokers respond to questions at all hours
  • One client reported broker helped resolve issues with banks

What reviews say by service

First Home Buyer Loans
Michael walked first-time buyers through defining property wants and financial comfort over a year, answering many questions patiently.
Refinancing
Brokers found cheaper refinance rates and consolidated loans; one client saved money and shortened loan term by 2 years.
Investment Property Finance
Michael helped clients define long-term property portfolio strategy and financial security goals.

How it compares

  • Rated 5 against a 4.92 average across the 322 first home buyer loans businesses listed here.
  • Has more Google reviews than 57% of the businesses in this directory.

How we scored this

Scoring Method
Star rating 97
Review volume 64
Review recency 88
Review sentiment 81
Profile completeness 100
Verification 30

Rating breakdown

5
29
4
0
3
0
2
0
1
0

Common questions

How long does the first-home buyer process take?
One client worked with Michael for over a year to define their property wants, financial goals, and mortgage strategy before settling on their first property.
Can they help if I already have a mortgage?
Yes. Michael found one refinance client a cheaper rate and combined their loans, reducing the loan term by 2 years.

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Last updated 2026-07-30