Mortgage broker bendigo
Mortgage broker bendigo

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!).

Schedule an appointment today

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.

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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.

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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.

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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.

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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.

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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.

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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

Sarah GeeSarah Gee
21:30 16 Jan 24
We are probably Hayley's biggest fans. Jedd and Nat were wonderful to deal with also. Thank you for your help and a great outcome we were really happy with.
Leanne TrickeyLeanne Trickey
02:54 03 Dec 23
The team at Proactive finance: Natalie, Jed, and Haley have been amazingly supportive with managing and financing my home build. Friendly and helpful staff. Professional and skilled in assisting finding the best loan for your situation.
Jess CJess C
10:26 28 Nov 23
Thanks to Jedd, Nat and Hayley at Proactive Finance Group. Refinancing, applying for our new home loan was a breeze. Nothing has been too much trouble and we appreciate all their help so much. Amazing people to deal with. Highly recommend to anyone.
Rob PattenRob Patten
10:24 20 Nov 23
Hayley and the team at Proactive Finance Group’s service has been second to none, always efficient in providing seamless finance with their knowledge of the industry, foresight and diligence.PFG is a team who personally cares for their client and their clients needs.For stress free finance, I highly recommend.
Josh BarretteJosh Barrette
05:44 10 Nov 23
Proactive finance group were absolutely amazing to deal with, from the first conciliation with Haley we knew that this was the team to make our dreams come true.From start to finish the care, communication and professionalism that we received will always make the journey of buying our house a little bit extra special.We could not of been recommend a better finance group and from our experiences we'll be sure to pass on that the "proactive finance group" are the best in the business.To Hayley, Jedd and Nat we thank you and appreciate everything you guys did to turn our hopes and dreams into a reality.
Samm_DriftSamm_Drift
19:22 09 Nov 23
After not having the best experience with our previous broker, my Partner and myself decided to engage the Proactive finance team to refinance our house, then after selling that house last year the team helped us secure finance for our new build. Both times working with the Proactive Finance team have been nothing but a pleasure. Communication has been fantastic throughout the build and payments were submitted strait away. If your after a broker who can sort you out no matter your situation I highly recommend having a chat to Natalie, Jedd and Hayley.
Lauren LeydenLauren Leyden
03:08 01 Nov 23
I recently had the pleasure of working with Proactive Finance Group for my home loan, and I must say, the experience was nothing short of exceptional. The team at Proactive is incredibly professional and knowledgeable, offering insights and guidance that helped me make the best financial decisions.From the initial consultation to the final approval, their friendly and approachable demeanor made the entire process seamless and stress-free. They were always available to address my concerns and patiently explained every detail, ensuring I was well-informed at every step.Despite my tight schedule, they managed to expedite the process without compromising on quality, ensuring that I secured the best possible deal quickly.I highly recommend Proactive Finance Group for anyone seeking mortgage services. Their professionalism, friendliness, and expertise truly set them apart in the industry. Working with them was a delight, and I will undoubtedly return for any future financial needs. Thank you, Proactive Finance for making my mortgage journey such a positive and rewarding experience!
Jacqui StewartJacqui Stewart
07:24 31 Oct 23
We have used Hayley and her team for multiple loans over the years, their service is always timely, knowledgeable & they make the whole process is easy for us, which is why we keep returning to her! We moved interstate and made contact with our local bank branch for a new loan and it was a waste of time- after months they couldn’t arrange anything, we called Hayley up and straight away she had everything arranged and re-finance sorted as quickly as possible. I’ll never deal directly with banks again.
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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.

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ANZ Bendigo trusted broker
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Citibank bendigo broker
Commonwealth Bank Bendigo
bankwest home loans broker
Bank of Melbourne home loan
Adelaide Bank home loan broker
ALI group broker
Connective home loans broker
Teachers Mutual Bank home loan
ING Direct home loan
Macquarie Bank partner
Pepper money lender
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St George Bank Lender
Suncorp Bendigo broker
Heartland Seniors Finance loan

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:

  1. Initial Consultation: The process begins with an initial consultation where you provide essential financial information. This helps us understand your needs and preferences.
  2. 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.
  3. 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.
  4. 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.
  5. Negotiation and Advocacy: Throughout the underwriting process, we negotiate terms, addresses concerns raised by the lender, and advocate for your interests.
  6. 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.
  7. 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.

Other Frequently Asked Questions

View All FAQs

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.