Guiding you to a worry-free mortgage or loan.

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.

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 team

Hayley DeJong

Director and Senior Lending Specialist

Nothing gives Hayley more satisfaction than helping clients to achieve their financial goals. She’s super tenacious and not one to give up, so if there’s a tricky situation to be dealt with, Hayley is your go-to broker. She has a reputation (well-deserved) as a bit of a ‘loan whisperer’ – if Hayley can’t get it done, no-one will be able to.

The lending process is complex. Even for the most straightforward loans, there can still be plenty of bumps along the way and that’s what drives Hayley as a mortgage broker and business owner.


“If I can remove the stress and smooth over the complexity of the lending process for you and then get to pick up the phone to say your finance is approved, that’s a (seriously) good days work.”


Hayley started off in junior roles at Bendigo Bank (over 15 years ago) and quickly worked her way to become a Branch Manager, so she understands the industry from the inside out – and the outside in. She’s been a mortgage broker for the past six years, and the Founder/Director of Proactive Finance Group, a local, family-owned business since 2015.

The best part of running Proactive Finance Group, besides being a bone fide dream-maker and sprinkling new homeowner joy all about town, is enjoying the ‘little things’ with her team – shouting them Friday lunch each week, coaching and mentoring and of course, celebrating successes big and small together.

Hayley is dedicated to building trusting long-term relationships with her clients, delivering a seamless finance process and making a real difference for every single Proactive client.

Jedd Miller

Credit Analyst

We often have to tell Jedd to go home – such is his dedication to work – because he genuinely loves what he does, all day, every day (or maybe he doesn’t want to leave because his desk drawers are usually chockers with lollies and shortbread?).

Jedd puts together finance applications, bounces client solutions around with Hayley, researches products and asset finance opportunities and is an all-round ‘get things done’ whiz. You’ll probably liaise with Jedd throughout your loan application process, so you’ll get to see first-hand what an approachable, dedicated guy he is.

Jedd has five years’ experience in the finance and banking industry but also brings a wealth of experience and skills developed over his time in other fields.

Sometime we think of Jedd as the gale force wind to Nat’s peaceful breeze, as he has a tendency to create lovely paperwork messes for Nat to organise (she kind of loves it though). When he’s not hanging with his family or playing baseball each weekend, you’ll definitely find him in the office working hard for our clients and supporting the team.

Natalie Bacon

Loan Administrator Superstar

Beyond the unassuming ‘Natalie Bacon’ persona – indoor plant lady, lover of stationery, fun colleague – is ‘Super Nat’ admin star, office legend!

With over 20 years of real estate and property administration experience beneath her (superhero) belt, Nat is the oil that keeps the Proactive wheel turning. Nat will be the one who chases your paperwork, follows up with banks and lenders, works with trades on build loans and generally whips chaos into highly organised ultra-calm (oh, and she never forgets how *anyone* takes their tea or coffee).

As well as being methodical and structured and bringing harmony to the cosmos, she also has the ability to know what’s happening before we do and is across everything and anything.

Like Hayley and Jedd, the thing that drives Nat to do her absolute best for every client is the delight (very warm and fuzzy) she feels when the team help someone get to their goal. Nat also really loves checking in with new home builds or renovations, it makes her day to see your progress shots, so don’t forget to send them through (or tag Proactive on your Instagram!).

Seeing our clients smiling faces and knowing she had a part to play in that happiness is why Nat uses her skills and experience to leap tall buildings in a single bound (okay, maybe it’s a little more like… steps carefully over small piles of highly coordinated paperwork).


Hayley went above the level of support we expected when securing our home loan. It wasn’t an easy loan to arrange, but it did not phase her in the slightest. And when things became time critical, she was more on top of it than anyone involved, including myself! I could not recommend her more highly.

Isaac Walton , Bendigo, VIC

Can’t thank you enough Hayley, you made the process so easy and smooth! I will recommend you to everyone as we couldn’t be happier

Ashleigh Fitzpatrick, Maiden Gully, VIC

It is an absolute pleasure dealing with you on the purchase and sale of our mutual client’s properties. Your work is seamless. I look forward to working and having fun together for many years to come. Highly recommended!

Melissa Buchanan, Reign Legal, Bendigo VIC

Hayley has been amazing with our home loan for our land and new build. Hayley helped find a great loan for us and has been ever so helpful sorting everything and helping us understand the finance side of things.

Danielle Laffy, Somerville, Victoria