There are numerous companies providing home loans in Australia and all with different interest rates and fees. It can be very confusing for a customer to choose who to obtain their finance from, let alone the type of home loan product that would best suit them amongst the myriad of options in today’s mortgage market.

Pioneer has originated residential and investment home loans for nearly 30 years and we strive to provide a positive and easy experience for our customers to obtain a home loan without any pressure. Pioneer treats its customers with respect and integrity, knowing that choosing a home loan is a very important decision and we aim to provide our customers with the confidence that their Pioneer home loan will best meet their needs. We can assist clients whether they are first home buyers, refinancers or a mature property investor.

Pioneer Mortgage Services is a mortgage manager. It is not a broker or a financial planner. A mortgage manager obtains its funds from a variety of funding sources such as 2nd tier banks, major banks and securitised funds. Where a finance broker introduces a borrower to a major bank, it is the major bank who manages the loan repayments and variations ongoing. Whereas a mortgage manager provides the funds to a borrower and is also responsible for the mortgage until the borrower makes their final payment on the loan. This means that when a loan comes to Pioneer we manage the loan from application to discharge of the mortgage and handle everything in between. So whenever a client has an enquiry about their loan, or would like to do a redraw or fix their interest rate, Pioneer manages all of these. We don’t refer you onto a major bank as soon as your loan settles for you to deal with poor service and slow turnaround times. Managing loans from start to finish enables us to develop close relationships with our clients. You can also be assured that you will receive excellent service for the life of your loan.

Pioneer doesn’t have a large branch network, so our costs are kept low and that is how we can offer home loans with no ongoing monthly or annual fees on most of our products and competitive interest rates. A client going to a major bank has one suite of products to choose from. As Pioneer receives it’s funding from various sources, it has a large variety of products to choose from to ensure we have a loan product to suit all borrower types.

If you would like to know more about Pioneer Mortgage Services please see About Us.