Your Trusted Bendigo Mortgage Brokers
Whether you’re buying your first home or a new home, securing a personal loan or looking at commercial or asset finance, we know the loan process can be overwhelming. We are here to guide you to a worry-free mortgage or loan.
You’ll be sifting through hundreds of loan options, dealing with a different person (or robot) every time you ask a question, filling in pages and pages of documents and there are the banks, lawyers, surveyors to deal with too. It’s complicated, we hear you.
We’re here to make sure you have choice and the opportunity to secure the best loan for your circumstances, minus the complication and stress.
A team of trusted, experienced and professional mortgage finance brokers. Our difference is not in a process, or an incentive or gimmick, it’s in our relentless commitment to open and honest communication with every Proactive client.
We work for you – not the lenders. We’ll make sure you’re informed, updated and confident about what’s going to happen next. No surprises, just genuine care and efficient action (and perhaps a warm hug/elbow tap once your finance is approved!).
Our Services
We are a team of Bendigo locals, who are fiercely passionate about ensuring that our clients are able to get the best value possible on their finances. We offer a range of services which cover everything from first home buyers through to asset management, and if you have a unique set of circumstances chances are we have dealt with something similar (we have seen it all!).
Using local knowledge combined with our extensive experience, we have been able to help over 500 families and businesses across the Bendigo region with their mortgages, personal loans and commercial loans – all while offering the insights and support to help our clients feel comfortable.
Once your loan settles, the service with Proactive Finance Group continues, with industry update and annual home loan reviews to ensure you are on track to meet your financial goals.
Home Loans
Looking for a home loan that is right for you? Whether it’s a new home or for an investment, with over 30 different Lenders and 100’s of loan products available we are sure to find a solution to meet your needs. We work with you to ensure our recommendation meets your goals and help make the process stress free.
First Home Buyers
Buying your first home is an exciting and daunting experience. Let us help guide you through the process in a way that makes sense. We’ll explain the different options to you, and make sure you are comfortable. We can also assist with applying for the First Home Owners Grant.
Non-Conforming
Bad credit history? Loan in arrears? ATO debt? Need to consolidate? Sometimes things get a little too much and we find clients need some help getting themselves out of tricky financial situations. Talk to us, we have access to Non-conforming lenders who might be able to help and take the pressure off.
Motor Vehicle and Personal Loans
We have a panel of lenders offering car loans and personal loans. If you need a new car or a holiday we can help finance this for you.
Commercial Loans
Own a business and need finance? Whatever your commercial finance needs are, commercial property purchase, overdraft, or purchasing stock, contact us today and we can help find the right solution for you and your business.
Asset Finance
Car, Truck, Tractor, Yellow goods, Boat or Caravan? We have a whole panel of lenders providing asset finance solutions for our clients.
What Our Clients Say About Us
Our Mortgage and Loan Partners – We Know Everyone, So You Don’t Have To
Working closely with Australia’s top financial institutions is our bread and butter, and we have the relationships and processes in place to ensure that your loans are dealt with quickly and efficiently.
By knowing the specific offerings of each institution and combining that with your unique wants and needs for your loan, we are able to work with you to provide a solution for your Bendigo mortgage or loan that you are delighted with, and that the bank is happy to approve.
The Big Question – How Does Getting a Mortgage Through a Broker Work?
Getting a mortgage through a broker involves several key steps designed to streamline the process and find the most suitable mortgage product for you, as the borrower’s needs. Here’s a concise breakdown:
- Initial Consultation: The process begins with an initial consultation where you provide essential financial information. This helps us understand your needs and preferences.
- Assessment and Pre-Approval: Based on the provided information, we assess your financial profile to determine eligibility for various mortgage products. If eligible, we may issue a pre-approval letter.
- Market Research and Comparison: We conduct market research to identify mortgage options from different lenders/banks. We compare interest rates, terms, and conditions to find competitive offers aligned with your goals.
- Application Submission: Once a mortgage option is selected, we assist with completing the application and gather required documentation. We submit the application on your behalf, to the chosen lender/bank.
- Negotiation and Advocacy: Throughout the underwriting process, we negotiate terms, addresses concerns raised by the lender, and advocate for your interests.
- Closing and Funding: We coordinate the closing process, ensuring all paperwork is completed accurately and on time. We work with relevant parties to facilitate a smooth closing, and once approved, the loan funds are disbursed.
- Ongoing Support: Even after closing, we provide ongoing support. We may assist with refinancing options in the future, answer questions about loan terms, or offer advice on managing mortgage payments effectively.
In summary, working with a mortgage broker offers borrowers access to a wider range of loan options, personalised guidance, and expert negotiation skills. We simplify the mortgage process, empowering you to make informed decisions about your home or asset financing.
No, we are an independent finance broker acting on behalf of you, the borrower.
Our office is located 38 Myrtle St Bendigo! You can make an appointment for in-person or online. Whichever you prefer.
Yes, we can assess your credit history and find you a bank that may be more likely to lend to you based on your credit rating history. If we’re unable to find a solution, we’ll work with you over time to better position you for future applications.
For standard home loan applications, we don’t charge a fee for our service. You will be required to pay fees by your lender, which can vary from origination fees, application fees, underwriting fees, processing fees and administrative fees. Depending on your loan we will keep you aware of any of these coming your way. If your loan is more complex such as a commercial or self-managed super fund loan, then they may be a charge applicable depending on the complexities.