Panda Financial Review

Thought I'd be smart by not using a broker and approaching banks directly. Turns out the ME Bank didn't care enough about getting my mortgage approved before settlement. 7 days before settlement was due and the bank was getting nowhere.

A friend recommended I speak so Juan about my situation. Although I was reluctant at first, it turned out to be the best decision I've ever made. I don't know of any other broker that would say up until midnight to help dig yourself out of a tricky situation but the fact that Juan did says a lot about his passion and commitment.

As a result, my horrible experience in purchasing my first every property was somewhat turned around. I was able to purchase the property and the rest is now history. Will definitely be approaching Juan and Panda Financials in the future when I am able to purchase again.

Juan was the most responsive and responsible mortgage broker I have ever met. He would patiently explain details of the loan with me, making sure I understand what I am getting myself into. He will answer all my questions to the best of his ability, if it is something that he cannot answer immediately, he would find out and get back to me within the same day. Having accurate information from Juan allowed me to make informed decision on my finances and helped me get through obstacles for my home loan. At the end, I was able to save lots and not worry about my home loan much. Juan always has our interest at heart, he recently renegotiated a lower rate with the bank for us and ensured that we have the lowest possible rate. I will definitely recommend Juan to any of my family and friends if they were to require a mortgage broker.

Juan is very helpful and responsive. I felt assured that he was working with my best interest in mind. I had a couple of issues along the way (none of them because of Juan) and he worked with me to resolve them all. Gave me advice and answer all of my questions. I also liked that he followed up when he hadn t heard back from me. A very reliable person.

Juan at Panda Financial took the stress out of setting up the finance so we could refinance our home. From beginning to end, Juan was in constant contact with us. He would give us updates on the process and made sure we understood each stage as it happened. He was happy to answer any questions we had, no matter how big or small and willing to work around our schedule outside of working hours. We highly recommend Panda Financial as a mortgage broker. Excellent customer service and support, but most of all - took all the stress out of financing our home. Juan, we couldn't have done it without you. We can't thank you enough!!

Ann

A very knowledgeable and reputable team with proven experience in the field. Fantastic customer service resulted in a fantastic relationship between Panda Financial and us the clients. I strongly recommend

Juan helped me heaps with my mortgage as I didn t know anything (I m a first home owner), explained everything clearly and helped me as much as possible in getting a good deal. Would highly recommend panda financial.

Panda financial had helped me purchase a property a few years ago, when I had no idea what I was doing. I was referred by a friend to Juan and things went very well. The buying process was not as daunting as it seemed. Juan and his associates helped me through every step, explained everything I needed to know and outlined the whole buying a property process to me. They taylored the home loan search to what I was looking for and gave me a choice from the top 3 or 4 loans. If I needed anything or was not clear on something, they would help. During the application process, they would check to see things were proceeding correctly and things were on track to settlement. If things are needed to be chased up, they will do it promptly and get things escalated by the bank to expediate the process. I have found the mortgage application process through Panda Financials to be very smooth and I will definately use them again if and when I require another home loan. I highly recommend them to all my friends and colleagues.

Known Juan for many years, he is a person you can trust to get the job done and not afraid to spend the time to explain everything to you.
Juan had helped me refinance my mortgage and helped me save a tone of money.
He was on call to answer any of my questions and coming from a technical background i was ignorant to finances until i spoke to Juan.

Juan is a great financial broker. He helped me through many of my loans, I am a small business owner so it was a little different for me but Juan worked with me from beginning to the end. Friendly and professional. Highly recommended.

Juan helped with the financing of our property and his customer service is exceptional. We initially met with Juan in November 2019 when looking at lender and loan options. He helped explain the benefits of different lenders and the financial impacts of going with each.
After several reviews of the available options we settled with a lender. While waiting for the property to settle, Juan was accomdating in answering any and all questions we had about the process. Great broker and a gentleman as well, I would highly his services to anyone.

I have really benefitted from Juan s financial services at Panda Financial. He has the best customer service I have ever encountered and will go out of his way to help you. He is not attached to any bank so he will listen to your situationand get you the options to choose the best products on the market to suit your needs.

5 star Customer Service
5 star Knowledge
5 star Professionalism
5 Star Care

We have developed an ongoing relationship, I would highly recommend Juan to all my friends and family for any banking or financial needs. :)

Reliable, diligent and always willing to help! Juan goes above and beyond with answering all questions in a duly and timely manner. Exceptional market knowledge and always stays one step ahead. Highly recommend Juan for anyone looking to buy/sell their property!

juan helped out with my loan. hit a few hurdles which was out of his hands but managed to sort issues out and got the job done! have gone back to him multiple times with home loan question which he has never declined to answer. very professional and does not over promise like others just to get your business.

Juan is very professional and knowledgeable. Most importantly, he was responsive and very patient with me and answered all my questions and addressed my concerns. He went above and beyond in making the process seamless. I would strongly recommend him.

Great mortgage broker who is willing to go above and beyond for his clients. Will definitely use his services again and again.

I would not hesitate to recommend Juan and Panda Financial to all who is looking to refinance or find the right mortgage product. Juan is knowledgeable, organised, professional and always goes above and beyond to ensure that he finds the right product for your circumstances. Juan is honest in his dealings and reliable. Personally, I have known Juan for over 10 years. He is my first point of call for my refinancing as well as my second mortgage and in both instances his performance has exceeded my expectations. I give my sincere thanks to Juan/Panda Financial for their work

Juan and his team have looked after the family and I for over 10 years. Not only are they prompt with their response but I have valued their expertise in managing our financial affairs along with the network of professionals they introduce to the relationship.

A friend recommendedJuan when my first mortgage broker decided to quit his job right before I made an offer for my property. Juan very quickly assessed my situation, explained the available banks and products to me and helped me apply for a loan. 7 years down the track he has always kept me up to date with the latest rates and has helped me reduce the interest rates several times above the standard reductions saving me money continuously. Juan responds very quickly and is knowledgeable in this field. Would definitely recommend.

Juan offered us a range of options for our home loan, with deals better than what I was finding on my own online. Couldn't be happier. He was also very helpful sorting out our application, made everything we needed to do clear and responded to any questions we had quickly. Have recommended him to friends and family now.

Very knowledgeable and personable service. Answered all our questions and went above to explain all details making the refinancing process incredibly seamless. Have used their services twice now and would highly recommend.

100% recommend. Juan and his team made the entire process seamless and easy. Juan was extremely communicative and helpful. 5 stars is not enough!!

I would highly recommend using the services of Panda Financial Pty Ltd.
They take the time to listen to your requirements are professional and responsive to all requests. I was provided with multiple competitive homeloan offers and the attention to detail was very thorough. The great customer service provided to me made the whole experience pleasant and hassle free, unlike my previous incumbent major bank provider which didn't take an interest in my requirements which I have since left.

Being a first home buyer, we certainly had a lot of questions and needed someone to guide us to ensure we completely understood how the whole process. Juan was able to answer any question we threw at him, and was always prompt with responding to messages and emails. If you're looking for someone that is reliable, honest and that is keen to assist you in reaching the goal of your property purchase, look no further. Highly recommended.

Fantastic service, Juan is always willing to go above and beyond to help clients.

Juan was a pleasure to deal with. Always very responsive and professional. He took the time to clearly explain every step of our new mortgage and settlement and answer all our questions. Thanks again.

Juan went over and beyond his duties as a broker. It felt like someone was on our side of the fence helping us get the best deal for our circumstances. Didnt stop when the deal was done but went out of their way to ensure we were ok. Juan was always available to assist with all of our queries.

The best experience we've come across!

The broker was helpful and proactive in helping my wife and I with finding the best loan for our new home. He was always contactable with our problems/questions.

Juan is very professional, has vast amount of knowledge of the mortgage/banking market, and most important, he was very patient with us in the process of buying our first home. It took us 2 years to purchase our first home and throughout the 2 years, Juan was always there to enlighten and guide us through the housing market and banking rate changes. He offered us a range of deals, sorted our application, explained things very clearly. responded to phone calls and questions promptly - mortgage broker we would highly recommend!

Juan was the most responsive and responsible mortgage broker I have ever met. He would patiently explain details of the loan with me, making sure I understand what I am getting myself into. He will answer all my questions to the best of his ability, if it is something that he cannot answer immediately, he would find out and get back to me within the same day. Having accurate information from Juan allowed me to make informed decision on my finances and helped me get through obstacles for my home loan. At the end, I was able to save lots and not worry about my home loan much. Juan always has our interest at heart, he recently renegotiated a lower rate with the bank for us and ensured that we have the lowest possible rate. I will definitely recommend Juan to any of my family and friends if they were to require a mortgage broker.

Juan is an awesome broker. He had helped my wife and I buy our first home as well as our following investment property 2 years later. It is insane how many questions you have during this time. The fear of putting yourself into the largest debt of your life, the uncertainty of the overall process, the thought of unexpected additional costs, whether or not the property even worth the value are a few that spring to mind.

We called Juan for literally everything and on more than one occasion we felt were so overwhelmingly annoying as most of the stuff was not even related to his role. Yet time and time again he was so happy to address our questions and concerns.

Moving on to now (3 years later) we are still receiving calls every 6-12 months from Juan offering us more competitive interest rates...

This guy is an absolute legend. I recommend him to everyone and personally will continue to use him in the future.

Highly recommend Juan and his services. Nothing was ever a problem or hassle for him to solve. Always attended to my questions and calls - will be returning for future business.

It has been an absolute pleasure working with Juan from Panda Financial to fulfil our mortgage requirement. He was helpful, responsive and professional throughout the whole process. I'd highly recommend their services.

Juan from Panda Financial was extremely responsive, knowledgeable and inquisitive throughout our home loan journey. He was recommended from a number of friends and I can see why. Juan was very diligent and above all proactive in getting us the best deal. This was especially challenging as we weren't a vanilla application given we are a recently established small business owner. We knew we would have challenges but Juan went above and beyond!
Thanks Juan

Juan is very knowledgable and helped me to get the best deal. He made the daunting process of getting a home loan much easier and I couldn't recommend anyone better!

I have used Juan for the past 4 to 5 years in all my dealings with the property market. Being a first time buyer, I had a lot of questions about the timing and process of buying a property and each time Juan managed to come back to me within the day, making me feel like a important and valued client. The second time I used Juan for a refinance, he provided me with the best rates of the brokers and went through step by step each one and the advantages and disadvantages of each. It was a very smooth process with Juan taking care of all the paperwork.
This was in stark contrast to prior brokers I have spoken to who took a long time to get back to me, didn't bother to answer my queries and seemed more interested in adding me to their loan book while doing the minimum amount of work.
I highly recommend using Juan if you want to get the service, diligence and respect you need in a very crowded industry.

Juan is very knowledgeable and has been very helpful with the refinance process. He is professional, diligent and committed in helping me throughout the process.

As a first home buyer Juan was fantastic.
When it came to the process I had a lot of questions, lost and confused. Juan was very prompt with getting back to me and extremely knowledgeable so that I could understand and made the journey easy for me.

If you are a first home buyer I highly recommend Juan and his services.

- Geoff

Juan/Panda Financial assisted us from the beginning in getting pre approval in a short time frame to finalising and settling the loan. They were in constant contact with us and any issues with the bank were resolved promptly. They are great mortgage brokers, would recommend!

Juan is a great mortgage broker and I would highly recommend him. I really appreciate all of his help and time in explaining everything to me. He's always very efficient and prompt with correspondence. He's very knowledgeable in all aspects of mortgage lending and made my loan application process very smooth.

Juan has been my mortgage broker for close to 10 years and I could not recommend him more. Very knowledgeable, attentive, responsive and upfront about what is or isn't possible. And you can tell that he genuinely cares and is trying to do what is best for the client. He was even taking calls and dealing with my loan while on holidays overseas. I strongly recommend him to anyone that ever asks me for a mortgage broker.

experienced ,friendly and easy to communicate with .
Juan , you have made my loan process so much easier .
highly recommended !

Juan Xian from Panda Financial is simple incredible as mortgage broker. He always goes beyond the limit. I contacted him on Friday evening just at the start of a long weekend. Juan worked overnight to prepare my application and the loan was approved within short time. He is very reliable, efficient and dependable. I highly recommend Juan when it comes to the matter of securing mortgage loan.