What is Mortgage?
Mortgage is a loan which is secured by real estate or property. The buyer receives the fund to buy a home or any property and the lender is promised to pay back the money by the buyer within a decided time period for a particular cost. Mortgage is binding lawfully and providing the right to the lender for having legal claim against the home of the borrower if he fails to pay back the money according to agreement. It basically means that your property or house is possessed by you but it is owned by the lender until you pay him back completely.
Basically, a mortgage is paid back in form of monthly payments which consists of a principle and interest. The principle is repaying the original borrowed amount and the interest is the price to borrow the principle amount for last month. Monthly mortgage payments consist of taxes, interest, principle and insurance. Well, the amount of tax will vary depending upon where the borrower stays. The whole process to apply for mortgage loan could be stressful. Banks provide such loans only after checking past credit history and any disputes in information. But with Proficient Finance Group, you don’t have to panic about your credit history as we have private mortgage lenders who will fix everything right for you.
Why to Hire Us?
We have the experience in the internal bank channels like credit analysis along with settlements. Proficient Finance works out with more than fourteen top lenders of Australia for securing the best rate possible. Our mortgage specialists can assist you with the better suggestions or advice.
We have professional mortgage brokers, refinance mortgage broker, financial mortgage broker to find out the perfect solution for all our clients. Our brokers will assist you in navigating and learning through the process. You will be able to know multiple investment options and other abilities that you were not aware of. We make sure to lead our clients in the right direction which has the ultimate advantage.
When it comes to restructuring debts, our expert refinance mortgage broker will resolve the property portfolio and let all property to stand on its own feet, thereby reducing the portfolio risk considerably. Our brokers are even expert in the construction finance. A Proficient Finance Group, we assure to take out all your stress in respect to finance and let you concentrate upon your dreams of building a house.
It is our accomplished brokers who have helped many families in Australia to get finance for building a new house either through owner builder or contract builder. Our mortgage application process is very easy and we make sure to make it smooth in every level. Proficient Finance Group can help you with several forms of commercial finance, getting the best car deals in the market, refinancing and debt restructuring opportunities.
Hence, our wide range of services includes residential property finance, refinancing and debt restructuring, construction finance, equipment/asset finance, commercial finance, insurance services as well as private and bad credit lending. Proficient Finance Group will guide you in each step to make sure that you are being offered the right advice and effective solutions with long lasting goals. After you come in touch with a professional broker, we will offer you expert solution to win over the present situation and let you on financial success track again.
Our Clients are our main priority, there satisfaction is our objective! When you treat clients the same way you want to be treated! It’s simple it’s not business but passion!