Victoria Senethep in Nollamara, Western Australia | Loan service

Victoria Senethep

Locality: Nollamara, Western Australia

Phone: +61 413 538 868

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25.01.2022 Aaaand thats a wrap! The Pivotal fam gathered together last week to celebrate EOFY and a new one beginning Its Jan 1 again in the financial world. If you needed some motivation to complete those New Years resolutions, youve got 6 months until 2020! Contact me if you want any info or need help on how to buy a property or car

24.01.2022 Market Update via CoreLogic

23.01.2022 Apparently, the search activity from the US, UK and HK for moving to Australia is pretty high and could indicate migration and growing interest of living in down under for these countries. https://www.realestate.com.au//what-will-australias-prope/

20.01.2022 Happy long weekend everyone, stay safe!

18.01.2022 What an interesting start to 2020 and it's only March! If that's got you curious about property, I've made a video about 3 tips and the order to do them in . Special cameo at the end to brighten your week. CAPTIONS INCLUDED, this video can be watched without sound, please turn 'CC' on in

15.01.2022 A little bit more detail, per the last graph I posted https://www.news.com.au///7b107abfdafda04c86209fd44a1fcdef

15.01.2022 Brisbane coming in hot!! According to BIS Oxford Economics' 'Residential Property Prospects 2019 to 2022', Brisbane could surge as much as 20% over the next three years. Underpinned by the city's affordable residential stock, interstate migration and economic growth.

15.01.2022 All First Home Loan Deposit Scheme (FHLDS) places for this financial year have been reserved. The FHLDS will support up to 10,000 first home loan guarantees each financial year. If you're keen to get a spot from July 1, feel free to ask me questions about how to apply. The Scheme can help you into your first home sooner without having to pay Lender's Mortgage Insurance (LMI).

14.01.2022 The Reserve Bank has cut interest rates to a record low 0.25 per cent in an effort to help prevent a coronavirus-driven recession. Super important time to do a check in with your mortgage, especially if your employment has been affected by the current situation. Please feel free to ask questions if youre unsure

14.01.2022 Team Photo with the Pivotal Financial fam Got to squeeze this in quickly on my last trip back to Brissy

13.01.2022 Have you seen the fuel prices? Heres my 2 step process for cheap fuel Finance is about being really conscious about your spending habits/environment and seizing control of it (CC) Available & Cameo from Billie Was fun to make, hope its helpful ... If you have any handy fuel tips, would love to hear! (Have heard of 7-11 price lock but personally haven't used it) Music: Dear Autumn Musician: @iksonofficial See more

13.01.2022 QLDers One day left for your voice to be heard The Palaszczuk Government unveiled a package of measures to implement the freeze on evictions called, the Special COVID-19 Protections for residential tenants and owners, at the start of April. ... The legislation has not passed but Parliament sits on Wednesday, 22 April 2020 to introduce amendments. For a framework designed to be fair and protect all parties: tenants and landlords, please consider writing to the Premier with this template by the REIQ: https://www.reiq.com/everyonematters It is a simple copy and paste.

12.01.2022 Now on YouTube https://youtu.be/0nTJdsM6TUM

12.01.2022 Brisbane born and bred but got 0/12 on these Brissie facts https://www.visitbrisbane.com.au//destinations/things-you-

11.01.2022 Car on its way out and turning into one of these ? It might be time to let go and upgrade! After many repairs, we are finally letting go of this 1998 tic tac my sister nicknamed Ask me about car loans and personal loans (which are a good solution for short term funding or older vehicles if not wanting to buy brand new) if you need some help

10.01.2022 The RBA has decided to lower the cash rate again today to . ! This is a RECORD low TLDR: If you're looking to buy or refinance, this is a great time and you should call me to help you save money ... ? - if you're on a variable rate, hopefully, this means your lender will pass this cut to you, resulting in a lower rate. - there are so many products out there which can be overwhelming. This is the best time to shop around (or get someone like me to do it for you) to keep that extra $$$ in your pocket. - this is a positive sign to stimulate the economy which has been sluggish. House prices for the month of June seem to indicate that the decline in housing values has slowed. Sydney and Melbourne appear to be recovering from the double-digit losses. Sydney +0.1% Melbourne + 0.2% Brisbane & Adelaide -0.5% Perth -0.8% Auction clearance rates for NSW and VIC were high at 75% and 77% meaning strong buyer demand, a growing property market and indicates which way prices are going.

09.01.2022 Council making it even easier in Brisbane for first home buyers! You could be eligible for 50% off rates up to $1,000 for transfers/settlements from October 1st 2019 https://www.brisbane.qld.gov.au//owning-your-first-home-is

08.01.2022 BUSINESS AS USUAL I have been asked a few times during this period whether banks are still lending. The answer is YES and they are more than happy to lend, provided you're in a suitable position to do so. The property market is still going, whilst complying with the proper safety measures. We are also able to help with loans without having face-to-face interaction so you can stay home.... On another note, how lucky are we to have such good technology to keep us connected? The Pivotal Financial team is spread across QLD, NSW and WA and we have all been able to keep in contact Pic is when we were all saying Bye after a meeting on Zoom

08.01.2022 Happy Friday! If you're a first home buyer, you can get access to the newly announced $25,000 Home Builder Scheme on top of your State's First Home Owner's Grant! Intake for First Home Loan Deposit Scheme (FHLDS) also starts from July 1 If you're interested in learning more, please message me, there are no silly questions

07.01.2022 Down, down, prices are down

06.01.2022 Literally have no idea what youre doing with your finances? Thats okay, our Client Happiness Manager Billie doesnt either but at least shes trying Give me a call if you have any questions or need help

05.01.2022 States at a glance Forecast median house price growth 20192022 for Brisbane ~20% Source: The QBE Australian Housing Outlook 20192022 https://www.qbe.com/lmi/news/reports/housing-outlook

04.01.2022 We love Mondays! Client Satisfaction Manager Billie starting the morning with a Puppucino She humbly requests pls stay warm and send virtual pats

03.01.2022 If you're a first home buyer, this might be for you! There are still spots available for this year before next financial year's intake from July 2020. Save $$$ on LMI (mentioned in my previous video) Feel free to PM and ask questions if you're interested in learning more

03.01.2022 Brissy still under the Combined Capitals!

03.01.2022 These are some of the banks that are passing on the rate cut and their effective dates. To get the best deal, arm yourself with some facts: check the rate youre paying (4 point something doesn't count, find out your EXACT interest rate to the decimal point). Banks will be hungry for your business, so a mortgage broker like me can show you what the competitors will offer you, if you want to save money :) ... WHAT DOES A RATE CUT MEAN FOR SOMEONE TRYING TO GET INTO THE PROPERTY MARKET? It makes getting into the market slightly easier. Source: https://thewest.com.au//what-rate-should-you-really-be-pay

03.01.2022 Been a hot minute... but I've moved to Perth (temporarily)! I am still a mortgage broker with Pivotal Financial. All existing clients will continue to be serviced as per usual and new client referrals from existing clients can still contact me for enquiries. ... Fortunately, most of the education and information for loan products doesn't change around the nation and the basics of getting a loan and providers are largely the same. Thanks for sticking around with me!

02.01.2022 A positive boost for first home buyers, these changes would allow buyers who previously couldn't get a mortgage due to borrowing capacity, a chance to re-enter the market. These proposed changes, in conjunction with the uncertainty of the election now behind, will potentially provide additional positives for the housing market, Cameron Kusher (CoreLogic)

02.01.2022 Restrictions for open homes slowly being lifted: - WA: up to 10 people including realtor (open homes & display homes), in effect - QLD: up to 6 people including realtor (open homes) from this weekend - NT: open homes & on-site auctions, in effect - NSW: open homes & on-site auctions available from this weekend (maintain 1.5m social distancing)... - VIC/TAS/ACT: open homes & on-site auctions still not permitted See more

01.01.2022 The Reserve Bank of Australia has cut the cash rate to a new RECORD low of 0.5% in an effort to soften the economic impacts from COVID-19. What does this mean? Hopefully, lenders will pass on the rate cuts to customers. If you're on a variable rate, the interest rate may go down. Fixed loans are unfortunately unaffected. People looking to get into the market will find that rates are generally cheap and favourable. It's a good time to look at interest rate discounts at your current provider or see what other lenders are offering.

01.01.2022 National snapshot Housing values increased by 6.1% nationally with 8 capital cities reaching record high values. Sydney & Melbourne back to annual double-digit growth rates. Every capital city showing an upward trajectory except Darwin Perth has been recovering from a long-running downturn (since 2014) but has avoided losses in the last 4 months