{"id":8,"date":"2017-05-22T06:17:44","date_gmt":"2017-05-22T06:17:44","guid":{"rendered":"https:\/\/www.pfinancegroup.com.au\/?page_id=8"},"modified":"2018-01-05T09:02:59","modified_gmt":"2018-01-05T09:02:59","slug":"services","status":"publish","type":"page","link":"https:\/\/www.pfinancegroup.com.au\/services\/","title":{"rendered":"Services"},"content":{"rendered":"[vc_row][vc_column][vc_column_text]\n<h2>PFG Services<\/h2>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text]<u><\/u><\/p>\n<ul>\n<li><strong>Residential Property Finance<\/strong><\/li>\n<\/ul>\n<p>Thinking of purchasing your first home and need assistance navigating through what normally may seem like a very confusing process? Our expert brokers are here to help you navigate and educate you through the process. We will guide you in the right direction and make sure you are well informed and never confused.<br \/>\nMaybe you\u2019re a second home buyer? With bridging options, you may be able to purchase your next property, move in and then worry about the sale of your existing property.<\/p>\n<p>Did you know that many people have the ability to purchase multiple investment properties by tapping into the equity they already hold or may not know they hold? Did you also know that you could own multiple investment properties and they could essentially cost you $0 to hold? Purchasing an investment property is an effective tax reduction strategy which also earns you capital gain that you would have otherwise never had. Imagine being able to spend $0-50 per week to double your money in 10 years all while saving on tax! START today, call us and we will teach you how.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Refinancing and Debt Restructuring<\/strong><\/li>\n<\/ul>\n<p>Do you ever look at your interest rate and wonder if you are receiving the best deal possible? At proficient finance group we have access to over 14 different lenders and banks and through our internal bank contacts we will negotiate to give you the best deal possible. Most lenders\/banks adjust the discounts available based on the time you completed your initial application. An example of this would be a 0.70% discount off the standard variable rate for a loan taken out 4-5 years ago. At the time, this would have been a great discount, however, as times progress and banks become more competitive they provide even further discounting. As an example, should you refinance and receive a 1.20% discount (0.5%) difference in comparison to your old rate on an average loan size of $500,000 you would now be saving up to $2,500 per annum! Wouldn\u2019t you rather put that $2,500 in your pocket?<\/p>\n<p>What if you owned an investment property or multiple investments? Do you ever go to your accountant and leave the office disappointed because you thought the investment property you own would reduce more tax however I didn\u2019t? Did you know that by debt restructuring and allocating the correct investment debts against investment properties you could be saving thousands of dollars in tax? Another reason to restructure debt would be to \u201cuntangle\u201d your current portfolio and reduce risk to your owner-occupied residence. As you acquire properties over the years you may have had to interlink or cross-collateral your securities. Our expert brokers will untangle the property portfolio and try and let every property \u201cstand on its own legs\u201d which reduces the portfolio risk substantially.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Construction Loan Specialists<\/strong><\/li>\n<\/ul>\n<p>Our proficient brokers are experts in construction finance. Whether it is to build a house to live in, build a house for investment purposes or you are a developer looking at completing a new commercial construction project we are here to help! Building a home to live in can be stressful time, let us take the stress out of the finance component so you can concentrate on building the home of your dreams. With many government benefits and stamp duty concessions it is a great time to be building in Australia. Our proficient brokers have helped many Australian families secure the finance to be able to build a new home either via a contract builder or owner builder.<\/p>\n<p>At Proficient we have agreements and associations in place with market leading commercial building expert lenders. If you are a developer and you currently have a project in mind give us a call. With interest capitalization and 75% loan to value ratios you could keep thousands of dollar in cash flow for other projects as well as completing the project in mind.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Asset\/Equipment Finance<\/strong>.<\/li>\n<\/ul>\n<p>Are you tired of your current car and looking at upgrading? Have you been to the car dealership and fallen in love with a new vehicle? If you answered yes let Proficient find you the best car finance deal on the market. Get a free quote today!<br \/>\nWith options that allow residual loan amounts and 7 year terms, the car of your dreams may not be that expensive to own after all!<\/p>\n<p>Are you a business owner and don\u2019t have up to date financials but require urgent assets such as a vehicle, truck, trailer, earth moving equipment, forklifts and most business equipment assets? Have you been GST registered for a minimum of 12 months and own a property or hold a 30% deposit? Speak to us about the business express product. You could be approved for up to $100,000 with no financials.<\/p>\n<p>Alternatively, if you are a business owner with financials you may be eligible to borrow up to $1 million dollars on specific assets. Call us now to discuss.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Commercial Finance:<\/strong><\/li>\n<\/ul>\n<p>Proficient finance group can assist with various forms of commercial finance. Specializing in development finance we also cater for business owners interested in a business line of credit, business overdrafts, debtor financing and short term business loans.<br \/>\nThese options could be used to maintain a positive cash flow and cover for unexpected exposes. Our partners also offer the latest merchant and payment facilities to assist your business grow.<br \/>\nLow doc business finance options are available to businesses that do not have up to date financials. No job is too big for proficient to handle, give us a call today!<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Insurance Services<\/strong><\/li>\n<\/ul>\n<p>Insuring our customers are protected is essential to proficient finance group. This is why we have teamed up with some of Australia\u2019s leading insurers to give us have access to their award-winning products. We strive to make sure that all our clients not only protect themselves but also their most valuable assets.<br \/>\nOur proficient brokers will discuss your insurance needs at the time of interview. General insurances such as Home and contents car and motorbike insurance are discussed in house. We also have specialized partners who will discuss Life insurance, income protection and Trauma.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Private lending and Bad credit lending<\/strong><\/li>\n<\/ul>\n<p>Struggling to get approved for a loan? Have you exhausted all your options and you are still not getting anywhere? At proficient we have access to a panel of private lenders and also a panel of non-conforming lenders. If you have paid or unpaid defaults, unpaid tax debts, mortgage arrears, 1 day discharged bankrupt, debt stress, or require funding for business start-ups and expansion without financials, Proficient is here to help.<br \/>\nWe will support you every step of the way making sure you are given the correct advice, giving you short term solutions with long term goals. Upon commencing a relationship with a proficient broker, we will tailor a solution to assist with your current situation and get you back on track to financial freedom.<\/p>\n[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] PFG Services [\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_column_text] Residential Property Finance Thinking of purchasing your first home and need assistance navigating through what normally may seem like a very confusing process? Our expert brokers are here to help you navigate and educate you through the process. We will guide you in the right direction and make sure you are [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"_links":{"self":[{"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/pages\/8"}],"collection":[{"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/comments?post=8"}],"version-history":[{"count":0,"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/pages\/8\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.pfinancegroup.com.au\/wp-json\/wp\/v2\/media?parent=8"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}