Money to Thrive

Mintwell Capital is a financial broker firm on a mission.

We want people to live a larger life by helping them think outside the money-box to reach their financial goals faster and sustainably. We do this by making our work not just about numbers, but about you. Our approach is collaborative and rooted in our drive to provide honest, effective, straight forward advice, risk analysis and a strategic blueprint for your long term financial gain.

Changing the way our industry does business

We’ve observed how traditional financial firms work with their clients – boilerplate advice, perfunctory service in a one-size fits all suit, and needless upsells of products that don’t fit to serve you. We’ve listened and built a company culture where transparency, integrity and honest communication is the way we do business.

We believe in doing things differently. Better.

Better for our clients mean we don’t get complacent. Our brokers consistently challenge and refine every aspect of their knowledge, process and communication to bring you cutting edge, strategic advice. We are redefining the industry standard of uncompromising service.

Integrity before profit.

Joel’s breadth of finance knowledge draws from his time in banking as a Finance Manager working across multiple banking sectors and with a wide range of clients.

In 2015, Joel volunteered his talents to Business Without Borders, managing a project team that worked on a range of social financial projects.

In contrast with the banking industry’s focus on sales, this philanthropic work compelled Joel to do something more. The drive to use his knowledge and skill to propel others forward financially became the impetus to launch Mintwell Capital.

Joel’s passion for helping others also led to the creation of Finance and Coffee, the largest online forum for a community of 5,000 mortgage brokers across Australia to share ideas, support and learning.

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Joel Rozen

Joel Rozen, Managing Director

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let's make it happen


  • Joel @ Mintwell Capital was nothing but efficient and professional when organising our mortgage. He took all the stress and concern out of our first home purchase. His customer service and concern continued afterwards with referrals for insurance advice, which we had forgotten about. We were so pleased with his performance we returned within 6 months for an investment loan, which he managed to negotiate discounted rates on for us. Would definitely recommend anyone looking for a loan, first or otherwise, to contact him today. Thank you Joel.

    - Linvia T
  • Dealing with Joel was a pleasure. Right from the first phone call and subsequent follow-up meeting, he was supportive and understanding of our issues. Joel provided a range of well considered and viable financial options for our situation and was always happy to discuss any of them further at any time. Joel displayed an extensive knowledge of financial systems, operations and institutions and we felt extremely confident being guided by him. I would not hesitate to work with Joel at any time in the future and would recommend his services to others without hesitation. Thank you Joel!

    - Matthew Wesson
  • Joel at Mintwell Capital was instrumental in helping the 78 Summers team meet an extremely tight funding deadline. Joel's expertise, out of the box thinking and around the clock dedication, ultimately helped us achieve a very successful result. Thanks for being such a team player Joel!!

    - Steven Marasco
  • Joel's mastery in the mortgage broking space is guaranteed to achieve superiors outcomes for his clients. Joel helped me recently with a competitive refinancing solution, when some big name mortgage broker houses couldn't meet my requirements citing the present tough regulatory environment. But when the going gets tough, Joel "the tough" gets in and makes things happen. I highly recommend Joel to anyone looking for a personalised refinancing solution. He will make it happen!

    - Amit Syamal
  • Joel, at Mintwell Capital, was excellent to deal with, finding us the best possible loan deal. He provided clear guidance on the process and was responsive whenever we had any queries. As a result our loan went through seamlessly.

    - Darryl and Bonnie