Pivotal | Mortgage brokers

Pivotal

Phone: +61 428 206 199

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20.01.2022 EOFY celebrations with the Finance Broker crew. TMLA wishes everyone a successful year ahead. If you need help with the set up or restructure of your finances, we’d love to hear from you.

18.01.2022 I absolutely love working with First Home Buyers. There's so much to learn when buying your first home and the process can be overwhelming. We've just completed a transaction for a client who works in rural QLD and who didn't have much time to spend in Brisbane property hunting. Here's what he had to say about our service. "Tara was an excellent broker. As a first time buyer, applying for a home loan is very daunting. Tara walked me through the process step by step and was very professional. I would definitely recommend her to others, inexperienced in the property market. Thank you so much for your help, Tara. I would not have been able to do it without you "

14.01.2022 And another happy customer: Tara supported us through a very intricate loan application process with ease. Her expert knowledge and personal approach brought us great confidence and resulted in an outcome we are extremely happy with. Jacinta and Jeremy Williamson, Bardon

13.01.2022 Should I save 20% deposit to avoid LMI? If you can save up a 20% deposit then obviously you can save thousands of dollars in Lenders Mortgage Insurance (LMI). However, as with most things the answer isn’t necessarily black and white. Consider the way that LMI is calculated, you see, LMI really ramps up at 90% and above. Buying a place for $500,000 LMI at 85% could cost around $4 - $5k, however at above 90% it’s over $11k in premiums. But.. that extra 5% in borrowing (80% to 8...5%) means the bank will lend you an extra $25,000 - so you can get into that home sooner. It’s really up to you and depends on whether you are willing to wait and save or are you sick of renting or living with the parents! Want to know more? Why not reach out to me as I can help with all the facts.

13.01.2022 How to repay your mortgage FASTER! At its meeting this week the RBA elected to cut interest rates by a further 0.25% to 1% following on from the cut last month. If you’re currently paying a high interest rate, either have your mortgage reviewed or speak to your lender. ... Smart tip When interest rates go down, keep your repayments the same. Then you'll be lowering your loan with no effort on your part. You can also choose to make larger payments on your loan. Anything extra you can pay in the first 5-8 years (when most of your payments go towards paying off the interest) will cut your interest bill and shorten the life of your loan.

12.01.2022 Buying your first home is a big decision! There are a lot of additional costs that relate to owning a home for the first time. If you are a potential first-home buyer in Brisbane, Brisbane City Council is making it easier to buy your first home by providing a one-year 50 per cent rates discount for first home owners. https://www.brisbane.qld.gov.au//owning-your-first-home-is

11.01.2022 What a great email to receive over the weekend. We love our clients! Dear Tara, I am pleased to report that all has gone well with settlements on properties at Jimboomba and Woolgoolga and our move to Plantations Over 55s Lifestyle Resort in Woolgoolga this month.... Your assistance in securing a bridging loan so that Rhonda could settle our new home in Woolgoolga on 26 June and then settle her property at Jimboomba on 1 July was crucial to the success of our 'sea change'. May I take this opportunity to compliment you on your professional and courteous communications and patient responses to our exploration of other options for bridging loans with various banks. You gave us expert and pertinent advice. In the end, after exploring other options, you facilitated the loan under the original approval in a timely and efficient manner. It was a pleasure working with you, Tara. We will recommend you and your services highly to anyone who is in need of expert financial advice. You bring credit to yourself and to TML Advisory Warmest Regards Abound, Bob

08.01.2022 Buying a home can entail so much work, talking to agents, finding a home, building and pest. I am partnered with Allianz Insurance & Move Me In, which means there is one less thing for you to worry about.

06.01.2022 These two are the cutest couple! Happy New Home!

02.01.2022 I would like to wish everyone a Happy and Prosperous 2020! As we enter the new year, you might be re-evaluating your finances. You most probably are already aware that you can rely on TMLA to give you expert advice in all things home loans. If you are re-financing, down-sizing or buying your first home, we are here to help you find the most suitable loan for your needs and to help you achieve your financial goals.... But TMLA also offers more than home loans? We're experts in all kinds of credit and financial services and our aim is to make it easy. You can get everything you need under the one roof, including: Car loans Home Loan Refinance Property Investment Loans Personal Loans Lifestyle loans - including boats and motorbikes Bridging loans Property Development & Construction Loans Insurance Whatever your goals, my job is to help you achieve them. We have access to a wide variety of different lenders and no matter what you want to buy, it is important that you find a solution that best suits your needs, budget and personal requirements. If you'd like to know more, please give me a call.