Pivotal Financial in Milton | Loan service

Pivotal Financial

Locality: Milton

Phone: +61 7 3007 9088

Address: Ground Floor 143 Coronation Drive QLD Milton, QLD, Australia

Website: http://www.pivotalfin.com.au

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• Financial service
• Loan service
• Mortgage brokers

25.01.2022 FIRST HOME OWNER GRANT - Everything you need to know. https://pivotalfin.com.au/first-home-owner-grant/

23.01.2022 Did you know a lot of home owners overpay on their mortgage? Could a better deal put an extra $250+ per month back into your pocket? We offer a free Loan Comparison Service to see if switching could save you hundreds per month. Private message me today to get a free loan comparison!

22.01.2022 Moving? Check out our Vacating and Moving Day Checklists

21.01.2022 'Nothing is too much trouble for Lachy' is how clients and colleagues sum up Lachlan Macdonald. Having bought and sold many places of his own, he gets the emotional hesitation and nervousness people have when buying a home and that it is a home, not just a house - he personalises the process for every customer. Lachlan is undoubtedly the broker of choice if you need supreme service and the best product available with all the hassle removed from the process, allowing you to e...njoy the journey of securing your dream home. #PivotalFinancial #mortgagebroker #mortgagebrokers #mortgagebrokerlife #mortgagebroking #mortgagebrokeraustralia #mortgagebrokerbrisbane #mortgages #mortgagespecialists #mortgagesmadeeasy #mortgagestrategy #mortgagesales #brisbanebroker #brisbanehome #brisbanefinance #brisbanecity #brisbanecitymarket #brisbanecitylife

20.01.2022 With the Government Schemes available now you could leave the rent behind. Our brokers have helped thousands of First Home Buyers get into their first homes. Message us today!

20.01.2022 Did you know that just because one lender rejects you doesn't mean another won't welcome you with open arms! Use a mortgage broker to help you (for free) find n...ot only the right home loan deal but also the lenders that will actually help you. Using a professional mortgage broker can save you a lot of time and stress. Have a great day :) Like & Share

17.01.2022 Basically, like any broker, the mortgage broker liaises between you as the property buyer and the banks or lenders who will lend you the money for your mortgage. Read full article: https://buff.ly/3mvcptZ Make your next move, your best move! Give us a call!

17.01.2022 Think Bigger! Working from home is the new norm and if you find yourself needing to move to a bigger home or a better location, I am here to help! Organise a home loan health check with me today so I can assess your borrowing capacity and let's make your next move, your best move!... #PivotalFinancial #mortgagebroker #mortgagebrokerlife #mortgagebroking #mortgagebrokerbrisbane #mortgages #mortgagespecialists #mortgagestrategy #mortgagesales #brisbanebroker #brisbanehome #brisbanefinance #homeloansbrisbane #financialgoals #financialtips #milestones #financialhealth

17.01.2022 Want to get a home loan but dont have the time? Let's face it getting a home loan hasnt become easier has it? All of the confusing forms and requirements, th...e hoops and hurdles. Its no wonder people think of going to a bank in the same way they think of going to the dentist! Sorry dentists! Want to make it a breeze? Call me 0481 364 147 to discuss your options and find out how I can help you get into your new home without all of the fuss!

17.01.2022 How many do you follow?

17.01.2022 Quick tips for working out a propertys market value When you are searching for the perfect property, it can be challenging to work out exactly how much you sho...uld be paying. Rather than relying completely on the word of others, you can develop your own strategy for valuing a property, so you have a better independent idea of how much it is really worth. 1. Make a comparison search Property sales are in the public domain, so you can research your chosen area and make a list of five comparable properties that have sold within the last six months. To ensure the properties are comparable, make sure they are within a kilometre of your target property, and that they have similar features, such as the same number of bedrooms, bathrooms and car spaces, and a similar land size. Also make a note if any property has additional features such as a pool, or whether it is more conveniently located in relation to amenities such as schools and transport. Do not include properties that have not yet sold, as the advertised price is not a true indication of how it will sell. 2. Rank your list Once you have a short list of comparable properties including the one you are planning to sell or buy, rank each property in order from Most Desirable to Least Desirable. Try to be objective in this exercise, looking at the land size and location, rather than whether you prefer one garden to another. Proximity to schools is a plus if you are valuing a three or four bedroom home, but less of a concern for a one or two bedroom home. Buyers tend to be drawn to properties with newly renovated kitchens and bathrooms, so keep this in mind when ranking your properties. Your ranking from most to least desirable might not tally with the ranking from most to least expensive this will give you an idea of what features are important to people buying into the area. 3. Adjust for market movements Now you have placed your target property within a list of five comparable properties so you can see where it stands in the price range between the most expensive and least expensive properties. However, the market may have shifted within the last six months from hot to cold or back again, since the first property was sold, so you will need to adjust for current market conditions. Once you have adjusted, you should have a clear idea of how much your target property is currently worth, based on its place in your ranking list. 4. Check your figures You can back up your research by checking the median house price for the suburb in question. The Domain real estate website will also show the discounting percentage for a specific area, which is the average discount below the agreed listing price. For example if a house listed at $1 million sold for $900,000, then the discounting percentage is 10%. Contact us today if you need assistance assessing the value of a particular property.

14.01.2022 Top tips for young property investors It is possible for people to launch into the property investment market in their early twenties in fact, this is a gre...at time to start, when you are first launching into your career and dont yet have any other financial responsibilities such as a family to support. However, buying an investment property can never be an impulse decision it takes self-discipline and applied knowledge to start building a profitable investment property portfolio. Set a budget and save The first step of course is to start saving for your first deposit, which is usually at least 20% of the purchase price (can be lower, check with your broker). You will need to be focused and realistic, and quite single minded in order to save a sufficient amount. Your best option is to set a budget and create a clear financial plan that will help you remain focused and prepared once you do buy your first property. Think long term While some of your peers will be looking into short term gratification visiting pubs and night clubs, booking overseas holidays or buying a new car - you need to establish a mind-set that focuses on the long term rewards of building your investment portfolio. Learn from the experts While you are saving your deposit, take this time to educate yourself about the property investment market and the best type of property for your first investment. Read articles about property investment and monitor the real estate section of your local newspaper, so you can build a vision of an affordable and profitable investment property. Consult local agents and mortgage brokers as soon as possible so they can offer their insight into the market. Seek advice from a professional accountant, who can oversee your savings plan and advise you on your first home loan. Consider a family guarantee If you have the option, you could ask a family member to act as guarantor of your bank loan. The guarantor allows the equity in their property to act as additional security for your home loan. This strategy could potentially reduce the amount of deposit you need to save. You can split the loan into two portions, so your guarantor is only guaranteeing one portion of the loan. That way, you can pay off that portion first, so you can release your guarantor from the agreement as soon as possible. Invest, dont gamble Gambling is a game of chance where you can hope to win big but you are perhaps more likely to lose it all. Investment is based on knowledge and experience, so you make decisions that will be profitable in the long term. Learn everything you can about the property and the market, so you can make objective, beneficial decisions.

14.01.2022 Buying your first home is exciting, but it can also be a little overwhelming. So, here are some tips to guide you in preparing to acquire your new home. Whatever your decision is... Make your next move, your best move!... #pivotalfinancial #mortgagebroker #mortgagebrokerbrisbane #mortgagebrokerlife #mortgagebroking #mortgagebrokeraustralia #brisbanebroker #firsthomebuyer #firsthome #tipsfirsttimebuyer

13.01.2022 Marty is an outstanding professional with proven success in delivering outstanding business and financial outcomes in highly competitive environments. He measures that success on the customer’s opinion of his service and solutions, and his high referral rate is a great indicator of just how happy Marty’s customers are. So, if you are planning to get that loan, this is the sign you've been waiting for! Marty is just a call away! ... #PivotalFinancial #mortgagebroker #mortgagebrokers #mortgagebrokerlife #mortgagebroking #mortgagebrokeraustralia #mortgagebrokerbrisbane #mortgages #mortgagespecialists #mortgagesmadeeasy #mortgagestrategy #mortgagesales #brisbanebroker #brisbanehome #brisbanefinance #brisbanecity #brisbanecitymarket #brisbanecitylife

13.01.2022 This years Daffodil Day is a little different, its gone digital! Our help is still urgently needed to help raise funds for cancer research. Click on below link to Donate. https://www.daffodilday.com.au/donate

13.01.2022 Time poor? Dont want to deal with the banks? Why not use the services of a Mortgage or Finance Broker! They do all of the heavy lifting for you saving... you valuable time and quite often helping you to realise significant savings. Want some help with your next purchase or a sanity check of your existing home loan? Give me a call as Im always available and happy to help.0481 364 147

11.01.2022 What is a repayment holiday? Exactly that... a period of time where you don't make any repayments on your home loan. Usually it's a time when your financial si...tuation changes... for example maternity leave, and therefore there is a period of reduced income. Of course there can be other reasons too.. such as redundancies, illness etc... In any of those cases... rather than falling behind on your repayments, it's critical that you speak with your bank or broker to get some early advice to make sure you work with your lender to find an appropriate solution. Feel free to click the 'message' button if you need any information around taking a break from your home loan repayments.

09.01.2022 Make Your Next Move, Your Best Move!

08.01.2022 Tip: Did you know you can split your home loan e.g. have one half as a variable rate home loan and the other half fixed... giving you the best of both worlds - ...flexibility and security! (To ascertain if this strategy is appropriate for you, click the message button above for a professional take on your situation)

08.01.2022 2020 has been a challenging year for everyone and circumstances have made it even more important for us all to stay connected and, for those who are able, be willing to support those around us. Read More about how to ask someone if they are ok. http://www.ruok.org.au/how-to-ask

08.01.2022 Did you know that your borrowing capacity can vary by over $200,000 + depending on which lender you use ... So if your current lender isn't giving you the funds you need - get a 2nd opinion ... you may just get the loan you want with better terms ...

07.01.2022 Lets get your Pre-Approval started early!

06.01.2022 Client satisfaction is our top priority! Thank you so much for your trust and congratulations on completing your home loan!! #TestimonialTuesday

06.01.2022 Look who is turning 3!! Pivotal Financial are turning 3 this month, and we would like to take this opportunity to thank the thousands of clients who entrusted us with their finances, our meticulous brokers and our referral partners. You all are the reason we do what we do so well. ... Heres to many many more birthdays and meeting more awesome clients like you!

05.01.2022 Whatever it is that you want to achieve or planning to do, the choice is yours to make it a reality! #MotivationMonday

04.01.2022 Love dogs? So do we! Its International Dog Day and we are celebrating our fur babies and all dogs worldwide.

04.01.2022 #makeyournextmoveyourbestmove

03.01.2022 Cheers to a new year!! New doors to open and opportunities to unfold! Let's get it! Wishing you all happiness, peace, and love. ... #HappyNewYear #2021

03.01.2022 Buying a house can be scary... Not until you have a mortgage broker on your side #MotivationMonday

02.01.2022 If you’re thinking of getting off the rental bandwagon now could be the right time for you! Talk to me today about your options and getting into homeownership. #PivotalFinancial #mortgagebroker #mortgagebrokerlife #mortgagebroking #mortgagebrokerbrisbane #mortgages #mortgagespecialists #mortgagestrategy #mortgagesales #brisbanebroker #brisbanehome #brisbanefinance #homeloansbrisbane

01.01.2022 Finances on your mind? Let us help you!

01.01.2022 As 2020 comes to a close, we'd like to take this opportunity to thank you for your continued support over the last 12 months. I wish you and your family a safe and happy festive season. Happy Holidays! #MerryChristmas #PivotaFinancial

01.01.2022 A new year. A new beginning. All we aim to do this year is, better. We're ready for you, 2021! ... #MotivationMonday #PivotalFinancial