What is a Mortgage Specialist and Why Use one?
July 13, 2018
Mortgage specialists/brokers write approximately more than half of all home loans in Australia. It’s easy to see the attraction, working out what is on offer from each institution can be time-consuming and confusing. Much easier to let a Mortgage Specialist/Broker do the legwork. A Pivotal Financial Specialist works hard to give specialist advice across …more »
Where are you on your home loan journey?
July 6, 2018
Getting a home loan could be about to get a whole lot harder, thanks to the Financial Services Royal Commission, and RBA appears to be stuck on hold, but Interest Rates still rising…… However, people are still going to buy a home and require finance, so it doesn’t change fundamental demand, and isn’t the end …more »
Loan Pre-approval – do you need it?
June 29, 2018
You don’t need to find your new home before you can apply for a loan. In fact, there are good reasons to speak with a Pivotal Financial Specialist to get your loan sorted beforehand. Benefits of having a Pivotal Financial Specialist organise a pre-approval: We’ll do the leg work for …more »
Next Home Buyer
June 22, 2018
Ready to Buy Your Next Property You’ve done this before. But some things might be different, whether you’re upsizing, downsizing or just looking for a change of scene, make sure you are up to date. Things to consider: Know how much you can afford to borrow Plan your budget Be confident to make an offer …more »
Expert property investment advice
June 15, 2018
Today, many Australians prefer to use a financial specialist to arrange their home loan. However, there are still quite a few who’d rather walk down to the bank personally to arrange their mortgage. But, for investors, taking the DIY route might not be very beneficial in the long run. Why? Because every successful investor has …more »
How the First Home Owners Grant (FHOG) could help you…
June 8, 2018
Purchasing your first owner occupied home is both a daunting and exciting experience and it makes sense that you have a thousand questions to ask. When purchasing your first property, don’t let yourself be overwhelmed by the experience, buying your first home is an achievable goal, but in order to get there, prospective buyers have …more »
Get into the property market with a little help.
June 1, 2018
How does a guarantor work? Getting a helping hand into the property market is common for many families. Securing your first home loan without having to save a huge deposit sounds appealing right? Your guarantor will provide a guarantee for your home loan which is secured on their property. In most cases, this is …more »
Am I really a cash buyer?
May 25, 2018
How often are we told “I’m okay, my finance is arranged” OR “I am a cash buyer” Should we really accept that at face value? Well statistics tell us finance is required more than we might think, sometimes even when the client says they have cash. So who cares if an unconditional sale is an unconditional …more »