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.
Who is a Mortgage Broker?
Now, the question comes who is a mortgage broker and what is their role. A mortgage broker is basically a middleman who works with lender and borrower. The broker qualifies a borrower for mortgage and collects assets or income documents, credit history and all other details to assess the ability of borrower to get financing. The suitable amount of loan, loan-to-value ratio as well as the perfect loan type of the borrower is determined by the professional mortgage brokers. They submit the details then to the mortgage lender for acceptance. However, the borrowers can even choose all these according to their wish if they want.
It is the broker only who communicates with the lender and borrower at the time of transaction. The broker works on behalf of the borrower for finding the lowest mortgage rates available along with beneficial loan programs. The best thing is that the broker saves much time of the borrower during the application process as well as high amount of money.
Mortgage brokers charge a loan orientation fee or broker fees upfront. Many are even seen to render no-cost loans by using lender credit that significantly increase the interest rate of borrowers but the out-of pocket costs are eliminated.
Who are we?
It has been more than 13 years that Proficient Finance Group is working in this industry. We have expert brokers who have good experience in this industry as a result of working previously for major banks in Australia in commercial as well as residential finance. Considering the necessity of customer satisfaction, our brokers always strive to offer our every client a top-notch quality customer service. They will take you through the process smoothly and provide feedback along with advice continuously, clearing all your doubts. We ensure not to leave you confused or unclear about any of our financial process or service.
We bestow to economic reputation of Australia by assuring that financial markets in Australia is transparent and fair. We even make sure to support it by well-informed and confident consumers and investors. Proficient Finance Group works for institutions like Commonwealth Bank, Australian Financial investment groups and St George Bank.
Our Partners
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.
Satisfied Customers
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!
Featured Articles
I always wanted to own my house but frankly neither my confidence nor my credit score could allow me to go for my dreams! Then Proficient Finance Group changed my perspective and I get hold of my finances and here I am, a proud owner of a beautiful house!
Thank you Proficient Finance Group for offering such effective and result-oriented services. I never had much hopes when we lost our house during the financial crisis that hit my family hard. They helped us to regain our base so that we could start over, more sensibly! Keep up the good work guys!
I never thought that I will ever take help of a finance broker but certainly Proficient Finance Group was a revelation! I sought them for settling my multi-debt condition and they really helped me out. I got good insight into my financial state & today, I enjoy a better life!
Proficient Finance Group has been a real support when I was going through a difficult phase of my career. It was also a tough time for me in terms of finances. They simplified my debt situation and that gave me lot of control. All thanks to them, I now own my own car & house!
The insightful suggestions of finance brokers at pfinance helped me immensely in my debt settlement. They all were really helpful and resourceful. That is why nowI can look forwardto much stable and great future, both in terms of my personal & financial life! Thank you for reviving my confidence!
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