Phil Ogden
Manchester, England
December 2007

Hi Anton

Sorry for the delay in responding.

Sarah and I would like to say how much we appreciated your and Hakley's hard work in acheiving our re-mortgage. We both realise just how complicated and difficult our situatuion was. Every part of your service was extremely professional and made what could of been a daunting task much easier to handle. Thankyou and your staff once again

Yours Sincerly

Mark and Sarah
November 2007

The assistance we have received from the team at Proper Finance has been second-to-none. It is a pleasure working with professionals you can trust to execute the right finance solution and who practice customer service at the highest level.

Alice & Ken
Sydney
October 2007

Hi Anton,

Thank you to you and your staff for all your help with finance for my home. Everyone has been so helpful and professional.

Cheers

Lucy
Catherine, NT
October 2007

Hi Hakly and Anton,

I just want to thank you all for helping to arrange finance and settlement of my mortgage. Given that I am out of country it was very helpful to know that all was being taken of by you and Blackheath Conveyancing who you recommended.

Phillip
Vientiane
September 2007

Dear Anton, Hakly and Chantal,

Just wishing to write and thank you properly after settlement went through the other day.

I have no problem recommending your services. Actually I have already told a few of my expatriate friends about proper finance - they mentioned to me they were looking to buy property in Australia but had no idea where to start.

When I first called you I was quite upset as my experience with others made me think that my special circumstances as an employee of an international organisation would make it difficult for me to qualify for the mortgage I wanted.

Right away after speaking with Anton, things got a whole lot better. I was very impressed with your service - I felt in good hands from the beginning, and right up until settlement you made sure I knew what was going on. Chantal and Hakly were great at walking me through the minutiae of the process. The service was prompt and personal. Really, I have nothing bad to say! Tomorrow I am picking up the keys and moving in and I am so grateful to you all.

Hopefully, my next step will be an investment property, and I know where I will call.

All the best and looking forward to dealing with you again in the future.

Catherine,
Melbourne/ Tarnagulla
August 2007

Hi Anton,

Thanks for the follow up. Everything's been great and we still can't believe that it was possible to obtain a mortgage. Just really nice to have a place of your own in Sydney.

Again thanks to you and Chantal for making things possible and taking us every step of the way. We will definitely be in touch if any queries arise.

Arigato gozaimasu,

Anna and Pierre
Japan
July 2007

I have recently completed on a flat in Brisbane by utilising the exemplary professional service provided by Anton and Chantal. Being an ex-pat Aussie living in London I initially thought the buying process would prove to arduous from abroad. Like many here I have set up as limited company and thought this company structure would be dismissed by most lending institutions in OZ. Initially St George proved that point however NAB took just 3 days to give a positive response. I would like to thank Anton for making the whole process seamless and for Chantal keeping me up to date and on the ball. I highly recommend their services if you are contemplating buying Australian property from abroad.

Kind Regards,

Kelvin
London
July 2007

Hi Anton and Chantal,

Many, many thanks for all your support, advice and patience in arranging this mortgage on my behalf. I really appreciate your work, particularly in gaining approval from Homeside. Mum called me this morning to let me know that we have settled and she is picking up the keys tomorrow. We made it across the line. Yeah!

Regards,

Kellie
London
June 2007

Hi Anton

Thank you for all your help. Sometimes the Govt. Dept. in Darwin are hopeless I was always having some sort of problem with them when I was working in Darwin. I am recommending your services to everyone as you guys were excellent.

I am glad Chantal like the flowers and chocolate thought they might brighten up her day.

Thank you once again.

Cheers

Trina
Saudi Arabia
June 2007

Hi Anton,

I thank you once again for all the help that you've done for me, I am very appreciative for all you've done especially the purchase of the property. A big VINAKA VAKALEVU in my language to you

Regards

Meli
California, USA
June 2006

Dear Chantal and Anton,

As we prepare to move in to our new house in Melbourne, we would like to take this opportunity to thank you for your tireless support and to say how wonderful it has been dealing with you.

e had never applied for a mortgage facility in Australia before and we were fortunate in getting guidance from you.

This has been a difficult time for us as well as an emotional one. Because of your kindness and understanding of our situation, you have turned it into a real pleasure. It confirms our belief that there are still professional people that do what they promise to do. Keep up the good work and thanks a million.

If you ever need a good recommendation to any prospective clients, please have them call us. It was a pleasure to work with you, on both a professional and personal level. We wish you all of the luck and good fortune possible in the future.

Valentina & Boris Goray
Wellington, NZ
April 2007

Hi Chantal

Many thanks to you and Anton for your kind assistance in arranging our finance at St George.  We have been very happy with your professional and very reliable service.

We will be in touch with you for finance on the purchase of our next investment property, hopefully within the next 12 months.

Thanks again

Scott and Deborah
Qatar
March 2007

Dear Anton and Chantal<

Many thanks for making my Brisbane property purchase completely painless!

Despite a clean 10 year record with my own bank, I didn't quite have the deposit they required and was told a mortgage application would be met with a negative response. A search on the net found you guys, though I admit to being a little sceptical at putting the finance of an investment property into the hands of a company I'd not heard of! However the 2 referees you provided checked out favourably, and I 'took the plunge'.

For expats considering a property purchase in Australia, I can thoroughly recommend your services. You kept me completely up to date during the process and answered my queries promptly and thoroughly. The fact that these services did not attract a fee from me and the interest rate obtained was very competitive, made the whole process even more bearable!

Once again many thanks. 'Will stay in touch for periodic reviews.

Kind regards

Nick
Singapore
February 2007

Dear Anton and Chantal,

Just a few words to thank you for your assistance in finding a suitable lender to fit my particular business circumstances and requirements. You have both acquitted yourselves most professionally and, at the same time, provided a very personalised service to your client. I was particularly impressed by your thoroughness and attention to detail. Your strict follow-up procedures resulted in the settlement of my loan taking place in only a matter of days.

Once again, I appreciate your professional approach and look forward to doing business with you again when the need arises.

Kind Regards,

John
Sydney
January 2007

Hi Anton,

Just thought I'd drop you a note firstly to say thank you to you and your team for the work that went into setting us up with St George. There were of course a few issues to smooth over during the process both with HSBC and St George but these were eventually solved and overall we happy with the new product and added conveniences it brings on one level.

Anyways, please pass on our thanks to your team for a job well done.

Kind Regards,

Brandon
London
November 2006

Anton,

I am sorry I have not contacted you as yet. Yourself and Chantal looked after me exceptionally well, which I appreciate very much. I hope to move in within the next few weeks, and continue to renovate once I am living in it. I will let you know once I am ready to re-finance and move ahead with the next step. Please pass on my thanks to your team, I feel bad as Chantal kindly left me a message which I have not yet replied to. She was fantastic so please let her know for me.

Thanks again and yes I was more than happy with your service and help with the little hiccups on the way through.

Cheers mate!!!

Brad Quayle
Melbourne
October 2006

Hei Chantal!

Well done! thanks a million. It is absolutely wonderful to see the amount there and get the ball rolling. My heartfelt appreciation. I have enjoyed a hassle free way of doing things. I am sure we will keep in contact and who knows what my next project is.

God bless and thank you so much!.

Jesintha
Melbourne
November 2006

When we decided to purchase a house in Australia, we were at a loss as to how to do this effectively from so far away...we're living on the other side of the world - literally - in the Caribbean. And with little to no knowledge of the Australian settlement process and legalities involved, we needed an organisation on the ground who could help - a company with expertise and local contacts - and most importantly, someone we felt we could trust.

Proper Finance Solutions were only one of a number of companies we contacted to see what they could offer us in this regard. From the outset we were impressed with their professional approach to the issues we were facing, and their friendly, helpful manner. They contacted us promptly, and while they guided us through the process itself, and advised on risks and pitfalls, they provided us with workable solutions to these where other companies failed to.

They were able to answer all our questions, sometimes before we asked them. So we decided to sign up with them as finance providers and also as co-ordinators of our property purchase.

We've not looked back. They exceeded expectations, and were instrumental in ensuring we met our very tight settlement deadline despite having to deal with the inevitable stresses of an international purchase of this nature. And we really appreciated the free and easy communication style we shared with them during the process. Emails were always answered promptly and their phones were always on. We will definitely recommend them to friends in similar circumstances.

Thanks again, it was a pleasure working with you.

The Owens
The Port of Spain, Trinidad & Tobago
October 2006

Dear Chantal,

Thanks so much for your very welcome email Chantal - and thank you to both you and Anton for looking after us so well in the purchase of our new home!

... and further to the attached letter, please include our thanks for any 'testimonial'. I must say that it's been fabulous knowing that we were being so well looked after. We starting looking at buying a house in Australia having no knowledge whatsoever but with your invaluable help and advice we were able to avoid any pitfalls and now actually have our own beautiful house sooner than we ever thought possible. Now we can just sit back and enjoy the champagne as we contemplate our future life living in our lovely home next to the beach!

All the best to you both!

Kev & Sue Taylor
London, UK
September 2006

Dear Anton,

Firstly we apologize for the delay in the feedback as we have been busy with the move and newborn.

Anton, we would like to express many thanks and appreciation for your assistance in obtaining the home loan with Homeside Lending. Your speedy and highly professional efforts made the process a lot less stressful and quicker that we expected. Additionally we really appreciated your coming out to our home given our restricted mobility at the time with the newborn. In consulting other brokers and services we found some reluctance to do home visits particularly after hours which was disappointing, therefore we appreciated you coming out of your way to provide a service.

Thank you again for the great service you provided and if we become aware of anyone purchasing a house in the near future we will be sure to pass on your details.

Warm Regards,

Jamie and Maria
Melbourne
March 2006

Hi Matt and Anton

Finally settlement is taking place, so all's well that ends well! Thank you so much for all your help. What we appreciated best was the constant personal communication and have already recommended you to our expat friends.

Gerry
UAE
February 2006

Hi Anton<

We just got confirmation that settlement on Seville Grove has gone through. I would like to take the opportunity to thank you for all your assistance.

Kind Regards,

Ann
Ireland
February 2006

Hi Anton

Thanks for your email informing us of our recent property settlement. Unfortunately for us the champagne chilling in the fridge will have to wait until tonight, as I left work early yesterday and only received your email this morning.

Many thanks to you once again for all your hard work and dedication - very much appreciated. thanks Anton - we will definitely be asking you to source our next loan.

Kind regards

Christine & Ricky
Melbourne
February 2006

I recently took out an investment loan through Proper Finance Solutions (Lawfund Australia). Over the past years I have had many loans with various banks and have had long delays in having loans approved. I am very impressed with Lawfund's handling of my loan application. I would highly recommend them to anyone looking for a property loan. Anton Vdovin was very speedy with the whole process and also made sure that no mistakes were made. For any future loans I would not hesitate to contact Lawfund Australia.

Yours Sincerely

Kieran
Cairns
February 2006

Anton

Thanks for the message last week - I have been away so was unable to respond immediately. Thanks for sorting out the ANZ interest rate reductions. That will help us immensely.

Let us know if we need to do anything further.

Thank you for taking the time to chase us up and organise this. We really appreciate it and should we encounter anyone in the future requiring your services we will give them your name Regards

Tania Parkyn
Melbourne
January 2006

Anton is very professional, provides a good service and is knowledgeable on all the bank loans in the market. He is not your average broker as he thinks outside the square in more complex loan deals. He has helped me and my clients in getting finance promptly and without much fuss. Would strongly recommend him to any of my friends and clients.

Ron
Melbourne
December 2005

Anton,

Thanks for all your help with my refinance. I guess everyone is a little wary about dealing with people based on a web presence only, but I can say to all your prospective clients that I have found your service to be very thorough, extremely prompt, and totally professional at all times.

Thanks again for all your help.

I would be more than happy to recommend you to friends/colleagues looking to refinance Australian loans, or to have this message listed on your website as a testimonial.

Cheers regards

Neil
Auckland
December 2005

Genuine support,

Recently, my wife and I decided on commercial property investment as a keystone to our retirement planning.

We contacted Properfinance to discuss the financing options available to us and from the outset we were greeted with competitive packages and importantly, quality advice that was clear and cognizant of our circumstance as expatriates.

Even whilst I was in the remotest parts of Cambodia , Properfinance maintained timely communications; lending support to both finance and real estate negotiations.

We strongly recommend, Properfinance to any expatriate seeking competitive finance and quality support.

Brian and Ann
Cambodia
November 2005

Just a quick note to express my sincere thanks for your assistance. Before meeting you, I had been trying to figure out how to best restructure my finances for some time, but without any success.

You have quickly moved me through a process that only took a few days - and with an Institution that I certainly knew would not even consider my application beforehand.

I am already in a far better cash flow situation and look forward to moving into the second phase you have planned,. to further enhance my current position.

I appreciate your professionalism as well as the direct, personal approach.. This is certainly refreshing compared to the impersonal nature of the majority of organisations with whom I have previously dealt

Thanks again

Cheers

Ian
Melbourne

I was very pleased to recommend you – in fact in some respects it has been easier to organise finance for this purchase than past properties.

Regards,

Tom
Jerusalem

Thanks very much for all of your assistance throughout.  It's good to be "property investors" now.  We are looking forward to finally getting to stay in our home soon. We'll be in contact soon and next year hope to add to our portfolio.

Kind regards,

Michael and Kathryn
Saudi Arabia

Dear Anton, Just a note to let you know how pleased we are with our new property in Williamstown. We were very impressed with the efficient and thorough way you negotiated the best possible mortgages for our circumstances. I felt comfortable in knowing that I could help my son buy his first property without risking my own home. I will certainly recommend you to my friends who are buying property.

Regards,

Janet
Melbourne

Many thanks for your help and support during the settlement of Property, it was a great pleasure dealing with you and was very comfortable since we had never meet before and dealing on first time basis.

Pritesh and Bina
London

Dear Anton,

Thank you for your confirmation of the settlement of our new home.

Sandra and I have done quite a few house sale/purchase transactions over the years, and we are both impressed by your approach.

In particular, the committed and responsive way you go about chasing the best deal, and then following up to ensure that all the details are completed, is most impressive, as is your knowledge of the range of financial products on offer from the various institutions.

Thank you for your efforts.

Best regards,

Otto and Sandra
Sydney

We would like to thank you very much for helping us to obtain the finance for our apartment.  Having purchased a number of properties over the years we believe the best way to obtain finance is to use a mortgage broker who can get the best deal by using their knowledge, experience, and contacts in the industry.  We found Anton Vdovin of Proper Finance Solutions to be very friendly, helpful, and professional while acting on our behalf and would not hesitate in recommending him to anyone wishing to obtain a property loan for home or investment.

Best regards,

Patrick and Emie
London

Dear Anton,

Just a quick note to thank you for all your help in obtaining the home loan for me. As you know the other organization took over 3 weeks, and even then were still requesting information.

As you know, I came to see you on the Monday, had an unconditional approval on the Wednesday, and was down at the bank signing mortgage papers that Friday! To say that I was impressed was understatement.

Your service was courteous, and professional. The whole process was extremely easy when dealing with you. You told me exactly what I needed to provide, what was involved, how long it would all take, and how much it would cost.

Thank you again, and I look forward to dealing with you again, should the need arise.

Yours Sincerely

David
Melbourne

We have purchased an investment property and needed a loan to complete the transaction. We could not say that we experienced a difficulty with getting finance from any bank, but the timing was crucial. Anton guided us on how to save time and get the approval as quickly as possible. He looked after us so we were confident when we were leaving for Christmas holidays 4 days before the settlement.

Irena & Igor
Melbourne

We have very busy life style and could not afford to waste any time for searching the best deal on loan for business development. Having a mortgage, investment loan, business overdraft and several credit cards, we needed a professional advice on how to structure the new facility. Anton helped us a great deal in getting a loan which we needed. He was very professional and considerate when dealing with our tricky situation. Anton patiently came out to see us several times before we have finally made our minds. We recommend Anton to all people who valued they own time and money. It was realy nice and easy to have a deal with that guy. We would like to wish him every success in financial services industry.

Thanks Anton

Elena & Michael
Melbourne

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