Scott Prosser in Torquay, Victoria | Mortgage brokers

Scott Prosser

Locality: Torquay, Victoria

Phone: +61 407 349 246

Address: 5 Enfield Drive 3228 Torquay, VIC, Australia

Website: http://hbf-finance.com.au/contact-us/

Likes: 365

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 Mash is our sister business, BF Brokers, office dog. He is having a long weekend with us on the #surfcoast. Looking a little uncertain in the back of the #HBFLux but I can assure you he enjoyed the ride and looking forward to what the Surfcoast has to offer. #officedog #dogsinutes #dogsonholidays #bfbrokers

25.01.2022 The 2019 working year for me starts with a trek over the Great Alpine Road. Sensational drive through the high country. #goingtobeagreatyear

25.01.2022 We wish to thank all our friends, family, clients and referral partners for a great 2018 a record year for us! We could not have done it without your support in a challenging time for the Lending Market IMPORTANTLY - Wed also like to wish you a Merry Christmas and a Safe and Happy New Year. - https://mailchi.mp//have-a-great-christmas-and-happy-new-y

24.01.2022 Were are here to help - https://mailchi.mp/hbf-finance.com.au/heretohelp In these uncertain times if you have any questions about your loan please do not hesitate to contact us. Well do what we can to help

24.01.2022 For reflection Ive had a look at what adventures our trailer has been on in 2018. It has been a wide variety from Sandy Point to Mt Beauty, from helping Nippers to the Bellbrae Mayfair, the demolishing of a surf club to moving into a first home, from moving work gear to going on a holiday. But for the life of me I dont know how I approved this one!!! #whatthe #boobombers #godees #courtesytrailer #2018 #adventures #finance

23.01.2022 We are please to announce HBF-Finance very very average welding services. If you want the DIY welding look, hit us up, well come to you. #firsttimewelder #bekind #needmorepractice #morefunthanithought #DIY #finance

23.01.2022 @cathy_morgan_and_the_tribe always great to see the kids pitch in

21.01.2022 No slow down here - businesses are moving!*|http://www.bfbrokers.com.au/category/business-for-sale/|*

20.01.2022 *** Yesterday the CBA strongly proposed to the Royal Commission that all home loan borrowers be legally required to pay $2,300 to Finance & Mortgage Brokers eve...ry time they want a home loan. The bank wont pay the broker as they do now, instead YOU will. *** Over the past 30 years, whether or not you have personally used a Mortgage Broker, by providing competition and promoting cheaper lenders, the Mortgage Broking industry has halved the profit margins of the Big 4 Banks, as this graph shows. The outcome of interest rates returning to the pre-broker levels will be about $8,000 per year on an average home loan. So if you have a mortgage your repayments will go up, if you are a tenant your rent will go up. The Big 4 regained some profits during the GFC when they were approved by Labor to buy the smaller lenders such as St George Bank, Aussie, Rams and BankWest but the popularity of brokers again pushed their profit margins (that you pay) back down. Currently around 53% of borrowers use a broker and around 65% of first home buyers do. No one has to use a broker, they choose to because it suits them. Every year more borrowers choose a broker over their bank. Yet the Royal Commission is being told by the CBA and Westpac that brokers are bad for borrowers. No, but we are just bad for bank profits. Why would more and more borrowers freely choose a broker if it wasnt in their best interests? If this happens it will mean borrowers will be forced back to their bank manager and brokers wont be viable anymore. Then the Big 4 will be able to restore their profit margins to what they had before brokers. That means higher interest rates for everyone. The only thing that keeps the banks even slightly honest is fair competition. They are trying to trick the Royal Commission into getting rid of that competition for them. If this happens, the outcome of the Royal Commission will be the complete opposite of what was meant to happen. More power and less competition for the Big 4 Banks and higher profits at all our expense. The banks have already raised interest rates and reduced peoples borrowing capacity, using the Royal Commission as their excuse. It is lower income families and first home buyers who will be most hurt by this. At this stage the Liberals have shown they understand this blatant attempt at profiteering by the banks and to twist the Royal Commission into their favour but Labor does not - yet. PLEASE TAKE THE TIME TO SHARE MY POST

20.01.2022 Interested in a Golf Day? -

19.01.2022 Never thought our courtesy trailer would be passing on my baby boys cot but its time to hand over the baton and spend some time with another growing family #courtesytrailer #youngfamily #finance #newhome #passthebaton #clingy #tissuebox

18.01.2022 We are please to announce HBF-FINANCE very very average welding services. If you like the DIY look, hook us up, well come to you. #firsttime #homediy #bekind #welding #needssomepractice #finance #diy

18.01.2022 Is your home loan out of place like this guy? Wed love to help you set it right. #homeloan #catsvdees #footy #godees

18.01.2022 .. lets see where this takes us - *|https://us5.admin.mailchimp.com/campaigns/edit?id=1592013|* now is the time to back yourself - grow this Spring...

18.01.2022 Dont mind working on a Sunday to catch up, especially when your clients are all rockstars and buying and building their dream homes #lotsofapplication #sunnysunday #homeloans

17.01.2022 Still get a kick out of leaving these awesome @tastethecoasthampers at clients front door when their loan settles. Very appreciative of all our clients, and only too pleased to help them reach their goals. #finance #homeloans #surfcoast #gifthampers

16.01.2022 https://www.surfcoastsuns.com//hbf-finance-supports-the-su

15.01.2022 Interested in a Golf Day? Friday 14th September -

13.01.2022 Most clients know Im a Melbourne supporter, this just confirms it. #godees

13.01.2022 Another professional development day, another collection of marketing paraphernalia for the kids #fatherofthree #mfaa #brokerbehindyou #torquay #finance

11.01.2022 Is your home loan out of place like this guy? We’d love to help you set it right. #homeloan #catsvdees #footy #godees

11.01.2022 I love what I do as Im able to help my clients shop around with smaller lenders that dont have a large network to attract clients, to get the best home loan for them. This is a bonus for the consumer as it forces the big four banks to stay competitive with rates. I fear the suggested changes will leave my services to only the wealthy that can afford to pay fees upfront and open the flood gates for the banks to reduce competition and increase their profit margins through interest rates thus costing the client even more. The banks profit from mortgage brokers providing them the client to have a home loan why shouldnt they pay for it?

10.01.2022 This business is a ripping business. If you have equity in your home we can look at helping finance you into this fantastic business. A award winning business which I believe just about everyone in Geelong, the Surf Coast and Bellarine Penisula have visited for the day. Follow the link for more details.

10.01.2022 .. is this what you thought too? - *| https://mailchi.mp/bfbrokers/just-what-do-brokers-do|*

09.01.2022 I encourage anyone who is concerned about the Big Four Banks having more influence on the market to follow and support this campaign

09.01.2022 .. we can feel the change in the air...Confidence is UP and businesses are moving - SPRING has hit! *http://www.bfbrokers.com.au/category/business-for-sale/* and weve got a new team member

09.01.2022 What do we think of our new video? #personalservice #finance #workingforyou

09.01.2022 Don’t mind working on a Sunday to catch up, especially when your clients are all rockstars and buying and building their dream homes #lotsofapplication #sunnysunday #homeloans

08.01.2022 So delighted to be able to share the final version of our Dont Kill Competition campaign TV commercial with you. My sincere thanks to our external partners, GR...ACosway, Porter Novelli, and Redhanded for their ongoing advice and assistance in producing this. Also a big thanks to our funding partners included at the end of the clip. Visit www.brokerbehindyou.com.au to get involved. Please share widely!! #yourbrokerbehindyou #dontkillcompetition

08.01.2022 Hang on! I cant work harder than the trailer! Only one booking for the usual busy summer period??? Buy your partner an oversized teddy bear for Xmas and bring it home in the trailer. #oversizeteddy #bigxmas #courtesytrailer #finance

07.01.2022 Not sure which is more difficult at the moment, getting your five year old into his wettie or a home loan. Get a finance broker on your side and well help you manage the #homeloan mine field. #thirdandlast #wettie #beach #surfcoast

07.01.2022 We finished off been a professional finance broker at 5pm on Christmas Eve. By 5.01pm we were into the silly season and assembling my boys toys. On behalf of Lisa and I, Merry Christmas everyone, laugh and be Merry. Well be back in deck Friday. #safetyfirst #professional #toyconstruction #notgoingtobuildthemselves #funwithfinance

06.01.2022 The Royal Commission & regulation changes to the banks have kept us on our toes this year. At least Ive colour co-ordinated my boys to make it easy to spot them at the beach. @visslasurf @goodsport_clothing #newwetties #summer #colourcoordinated #finance #getabrokeronyourside #homeloan

06.01.2022 Yep working hard on my birthday. If you can read backwards, you will see clear instructions on my whiteboard. Taking a sneaky day off on Friday for a bday ski #birthday #gethomeloanapproved #homeloan

06.01.2022 Always good to finish the work day with these SMSs from our Mr Computer System. #homeloanapproved

05.01.2022 For those experiencing genuine hardship on their loans, below is a link with the phone numbers and websites of who you need to contact at each of the lenders. Ill try to keep this as updated as possible. Of course ring or DM me if you need further advice. PLEASE do not abuse the hardship service this will only clog the banks and make it harder for those that genuinely need it. http://hbf-finance.com.au/covid-19-hardship-contacts/

05.01.2022 We set up a mobile office near Thredbo this weekend to catch up on some loan applications. #notabadoffice #hbflux #homeloans #campingrocks #crosstriathlon

05.01.2022 I love what I do as I’m able to help my clients shop around with smaller lenders that don’t have a large network to attract clients, to get the best home loan for them. This is a bonus for the consumer as it forces the big four banks to stay competitive with rates. I fear the suggested changes will leave my services to only the wealthy that can afford to pay fees upfront and open the flood gates for the banks to reduce competition and increase their profit margins through interest rates thus costing the client even more. The banks profit from mortgage brokers providing them the client to have a home loan why shouldn’t they pay for it?

04.01.2022 Our #courtesytrailer has been helping set the @surfcoastsuns bbq up at the @quay2torquay Australia Day opening. Come down before 3pm and grab a free snag #freesnags #bbq #newhome #footy

02.01.2022 So delighted to be able to share the final version of our Don't Kill Competition campaign TV commercial with you. My sincere thanks to our external partners, GR...ACosway, Porter Novelli, and Redhanded for their ongoing advice and assistance in producing this. Also a big thanks to our funding partners included at the end of the clip. Visit www.brokerbehindyou.com.au to get involved. Please share widely!! #yourbrokerbehindyou #dontkillcompetition

02.01.2022 My brother, a frequent user of our courtesy trailer, recently took out a brick mail box with the trailer causing damage to the reflector light on our much loved trailer. Should he be forgiven? #toughas #hefixedmailbox #smashesbricksonlyminordamage #courtesytrailer

02.01.2022 Always good to finish the work day with these SMS’s from our Mr Computer System. #homeloanapproved

02.01.2022 Be our guest. We have 6 free tickets available for a great day. Leave a post or send us a Direct message if interested @surfcoastsuns #gosuns #golfnfinance #golf