Proactive Finance Group

02/06/2026

“It’s his house… I’m just on the mortgage” 🐾😂

This one made our day.

Leah reached out after settling to share just how much Jimmy is loving his first home - complete with a yard to run around in (as it should be 🐶).

Here’s what she had to say:
"You were all so incredibly friendly, professional and easy to deal with. Love having a few corporate baddies in my corner - made the process so easy and felt I was in very capable hands! You’ve made one fat choccy lab a very happy boy!"

Safe to say… this is exactly why we do what we do 💚

Helping people (and their four-legged family members) find the right home never gets old.

Thanks Leah & Jimmy — we hope there’s many more to come!

31/05/2026

Winter is here ❄️

The mornings are colder, the coffees are hotter, and there’s no better time to make sure your finances are working for you.

Whether you’re thinking about refinancing, buying, or planning ahead, we’re here to help make the process simple this winter.

And the best part? Hayley is happy to chat via phone or Zoom, so you don’t even have to leave the comfort of your home ☕

One of our favourite things about winter in Bendigo is the return of Electric Wonderland ✨ A perfect excuse to rug up, head out, and enjoy everything our beautiful city has to offer this season.

Shout out to Chloe Smith Photography for the amazing photo

28/05/2026

We’re incredibly grateful for this beautiful feedback 💚

Knowing Hayley and Natalie can help take the stress out of managing finances, especially for someone working so hard caring for patients and the community means the world to us.

Thank you for trusting Proactive Finance Group to support you along the way. We truly appreciate your recommendation and look forward to continuing to help wherever we can 🏡✨

26/05/2026

Property prices have been a hot topic lately 📈🏡
So… have we finally reached the peak, or is there still more movement to come?

With changing interest rates, buyer demand shifting, and different markets performing in different ways, it’s no surprise people are feeling uncertain about what happens next.

In our latest blog, we explore:
✔️ What’s happening in the property market right now
✔️ The factors influencing house prices in 2026
✔️ What buyers, homeowners, and investors should be watching closely

Read more here👉

If you’re wondering what the current market means for your next move, we’re always here to chat 💚

Have property prices already peaked, and is now the right time to buy? This is a question that many aspiring homeowners are weighing up. While it’s difficult to predict exactly where the market will peak or trough, many investors focus on longer-term trends rather than short-term movements. With t...

23/05/2026

Do you know anyone of these people??

We are trying to locate the rightful owner of this framed portrait. We found it behind the wall when pulling out the old kitchen in our office at 38 Myrtle St Bendigo.

We think these ladies look absolutely fabulous and it should be reunited with them!

Help us find out who they are!!

21/05/2026

We love helping Bendigo business owners invest in their future while continuing to grow locally 💚

One strategy we’re seeing more often is business owners purchasing or building their own commercial premises through their SMSF — creating greater long-term security and building wealth for the future.

These types of lending structures can feel complex, but with the right guidance, the process can be much simpler than people expect. That’s where we love to help.

If you’d like to explore what this could look like for your business, Hayley would love to chat. Call Nat on 03 44 183 444 to book an appointment.

Disclaimer: SMSF lending structures require clients to obtain independent financial and legal advice relevant to their personal circumstances.

19/05/2026

A big thank you to Tayla for your kind words 💚

We’re so grateful for the trust you’ve placed in Hayley over the years. From your home loan and refinancing through to your investment property purchase.

As a registered nurse and frontline worker, we know how demanding life can be, so being able to make the finance process smoother and less stressful is exactly why we do what we do.

Thank you again for your support, Tayla, it’s been an absolute pleasure helping you on your property journey 🏡✨

14/05/2026

Found your dream home… but haven’t sold your current one yet? 😬

This is one of the biggest dilemmas homeowners face — do you risk missing out, or rush your sale and potentially lose money?

That’s where bridging loans can come in. They’re designed to “bridge the gap” so you can buy your next home before your current one sells, giving you more flexibility and less pressure during the process.

But like anything in finance, there’s a bit more to it than meets the eye…

In our latest blog, we break down:
✔️ How bridging loans actually work
✔️ The pros and potential risks to be aware of
✔️ Whether buying before selling could be the right move for you

Thinking about making a move? We’re here to help you plan it properly 👍

For many homeowners, timing can be one of the challenges when purchasing their next property. If you’re planning to sell your current home to fund your next purchase, a bridging loan may be worth considering. Mortgage brokers have reported increased interest in bridging finance, as some buyers con...

13/05/2026

The 2026 Federal Budget has delivered some of the biggest proposed changes to Australia’s housing and tax landscape in years. With a strong focus on cost-of-living relief, housing affordability and tax reform, Treasurer Jim Chalmers announced measures aimed at helping first home buyers, easing pressure on working Australians and encouraging new housing supply.

In this analysis, Hayley breaks down what the key announcements could mean for homeowners, buyers, investors and small business owners — and the practical impacts Australians may start to see over the coming years.

Important Reminder ⚠️

These are proposed changes announced in the Federal Budget.
Not all changes are law yet, and the final details and legislation still need to be confirmed.

If you’re unsure how these changes may affect you, it’s important to seek personalised financial and tax advice.

11/05/2026

🏦 Myth Busting Monday: Insurance & Your Home Loan

“Do I need insurance to get a home loan?” 🤔
Here’s how it actually works in Australia 👇

✅ What is required:
• Building insurance must be in place before settlement
• The property needs to be insured for its full replacement value
• The lender must be noted as an interested party on the policy
• For some properties (like units/townhouses), the Body Corporate insurance may be sufficient

💡 Why it matters:
The bank needs to protect the property (their security) in case something happens — and making sure the right parties are listed avoids issues if you ever need to claim.

The takeaway?
There’s only one key insurance requirement; the rest comes down to making sure you’re properly covered 👍

Got questions about getting loan-ready? We’re here to help 🤝