As first home buyers, Christine made our experience simple and enjoyable. She went out of her way to find the best interest rate possible (best we found in market) and stepped us through the requirements. PNG also refunded all the fees so we saved over $1,000! We don't have much to compare by but considering the horror stories we've heard from friends and family, working with PNG was a walk in the park. Highly recommended. We'll use them again without hesitation.
Customer for life
I contacted Christine from Pacific Mortgage Group over 2 years ago for finance for an off-the-plan purchase that was due to settle within 3 months. I chose PMG because Christine offered the best rate in all of Australia. That was enough for me to be a satisfied customer.
But after a TWO YEAR DELAY, and everything you could imagine going wrong with a property purchase happened to me, Christine has been with me every step of the way. I cannot commend her enough for her high calibre of professionalism, exceptional customer service, high attention...to detail, and above all, genuine care. Not for one moment did I feel like I was just a number or a file to her. Now in my new home, I am immensely grateful to Christine and her team for making this happen. I would have lost my deposit and been taken to court if it weren't for her. From the bottom of my heart, thank you Christine and the rest of the team at PMG. I will always refinance and purchase new property with you exclusively. I am proudly a customer for life.
Christine was really helpful in explaining information as well as keeping us updated with the loan process. Any queries would be responded very promptly. Highly recommend her to be the person to take care of your loan.
Questions & Answers
To those who have taken a loan from PMG, do you get refunded for the solicitor/legal fees? Or is the refund just for the application, processing/valuation, and settlement fees?
thanks very much!
I'm a bit worried about my application because of the negative reviews and that I'm nervous around money. Who underwrites PMG for the offset accounts, etc? I know I sound like a dumb-bum but I like the interest rates and conditions but am unsure about the fundamentals. How do I know which bank I'll end up with? Not that I care - I just want to know.
The lender that they used for me was Australian First Mortgage. Its not an offset account, its a redraw facility that they offer (similar but a bit different). If you do decide to go with them, just ensure that the rate you are told when you are given preapproval does not mysteriously change when you submit your proper loan application. I think its pretty dodgy that they can change the rate after you have been given preapproval hence leaving you little time to try to find another lender once you have bought a house.
Have you thought about looking at loans.com.au or ubank? I will be checking them out once I get a chance to refinance.
Yes I have had similar experiences with AFM but when I told PMG I was unhappy John did my next loan at Mortgage Ezy. I wish he had done all of mine there. Great rate and its moved down with every RBA decrease and nothing has been too much trouble for them. maybe they get less commission from them but I would recommend you ask John to quote their rate next time.
To the people who have taken out loans with PMG.
Have any of you found with the variable rate home loan that the interest rate has increased at all after commencing the loan???? (such as to say in a dodgy way)?? Wanting a loan asap but don't want to get scammed in the long run....all experiences welcomed!
No. PMG is just a broker. They use lending institutions who loan you the money. My mortgage is through an NAB subsidiary and so is my brothers ( another PMG) client. Once you have the loan settled you don't here from PMG again. AFAIK interest rates will rise and fall around the sane time as any other lenders will.
I've had a great experience with them. My interest rate is low compared to other lenders out there. I was recommended by a family friend who has been with PMG for many years now, his rate is still low even after many years.
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