Scott Mcpherson - Finance Specialist - Pivotal Financial

27/08/2026

What is this common home buyer trap?

Waiting for home prices to ‘bottom out’ before buying may seem like a smart strategy but it could work against you. Here are the risks of holding out and hoping for lower prices.

Find out more information here:

https://www.pivotalfin.com.au/blog/how-to-avoid-this-common-home-buyer-trap/

25/08/2026

🎾 Records smashed: brokers serve more than 4 in 5 home buyers 🎾⁣
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After years of growth, mortgage brokers have hit a new record market share! 🏆⁣
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Brokers now account for 81% of new home loans, according to MFAA statistics. ⁣
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In trying times the guidance and support of a broker can be your key to home buying success. 🤝⁣
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Research also shows broker customers are more satisfied than direct-to-lender borrowers. ⁣
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Call today, and experience the broker difference. 👇⁣
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20/08/2026

Great news! Homeowners can breathe a sigh of relief, with the Reserve Bank of Australia (RBA) keeping the cash rate on hold in August. But just because the cash rate is sitting tight, doesn’t mean you have to.

As many as 49 different lenders are now offering variable interest rates starting with a 5, up from 38 at the start of June, according to Canstar.

That’s a powerful incentive to check the rate you’re currently paying.

If your home loan rate isn’t in the very low 6s or below, you could be paying too much.

Here’s why so many lenders are cutting their rates right now – and how you may be able to benefit.

Read more information here:

https://www.pivotalfin.com.au/blog/whats-a-competitive-rate-right-now-nearly-50-lenders-offer-variable-rates-below-6/

18/08/2026

The Reserve Bank may have kept rates on hold in June, but a growing number of lenders have cut their home loan interest rates. This could be your sign to review your current loan.

Here’s a quick info on what’s going on.

Contact us if you want to know how your loan rate shapes up

17/08/2026

Congratulations to Jesse and the team for an outstanding result!

A little Q2 celebration 🏆✨ A few awards, plenty of smiles and lots to be grateful for.

We’re proud of what was achieved this quarter, but even more thankful for the wonderful clients and community who make what we do possible.

A very happy way to wrap up Q2 🙌

11/08/2026

🚨 RBA HOLDS CASH RATE AT 4.35% 🚨

The RBA has decided to hold the cash rate at 4.35%.

While there’s no change to the official rate, interest rates can still have a significant impact on your mortgage, savings and overall financial strategy.

Want to know how this could affect your financial position? Contact us today.

11/08/2026

Did you know that around 60% of first home buyers have received financial help from the Bank of Mum and Dad? 🏡 With the average contribution exceeding $30,000, family support is helping many Australians take their first step into the property market.

While lending a helping hand can make homeownership possible sooner, having a written agreement in place can help set clear expectations and protect everyone involved.

👉 Read our latest blog to learn why it's worth considering before money changes hands.

https://www.pivotalfin.com.au/blog/bank-of-mum-and-dad-why-a-written-agreement-can-make-sense/

06/08/2026

💰 What is the average first home buyer deposit? 💰⁣
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Buying a home to live in? ⁣
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The average home deposit is $173,000 according to www.Money.com.au . 🏡⁣
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That’s a big chunk of cash. ⁣
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Not surprisingly, it takes first home buyers 10 years on average to save a 20% deposit, based on analysis by ANZ and CoreLogic. ⏱️⁣
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But why wait that long? 🤔⁣
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The 5% Deposit Scheme could help you fast track your home buying plans. ⁣
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It lets you buy with 5% deposit and avoid the cost of lenders mortgage insurance. 🏠⁣
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Interested? Get in touch and we'll help you find out if you're eligible.👇⁣

04/08/2026

⚠️ Renovations that could lower your home’s value ⚠️⁣
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There’s a lot at stake with home renovations - just because you spend money on home improvements, doesn't guarantee it will increase its value.🛠️⁣
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Homewares retailer Cooper & Co says more than one-in-three Aussies have renovation regrets. 😬⁣
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Some projects could even wipe up to $36,000 off your home’s value, they say. ⁣
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Prime culprits can include poor-quality laminate flooring, dark finishes that don’t have wide appeal, and open-plan designs that lack privacy. ⁣
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They suggest to skip here-today-gone-tomorrow trends, and instead pick reno options that are more timeless choices. ⏳⁣
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They’re more likely to appeal to buyers and protect long-term value. 🏡⁣
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Looking at renovating your place in 2026? Contact us for ways to fund your home improvements. 👇⁣
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30/07/2026

Not a housing “crash” – easing growth and plenty of buying opportunities

House price growth is slowing but experts say not to expect a crash. We look at what’s changed, and why today’s market may offer good opportunities for homebuyers.

Recent home price data from Cotality may be just what homebuyers have been waiting for.

The latest figures show zero (0%) increase in home prices nationally in May – quite a change from the past 12 months when the trend has largely been upwards.

But the national picture doesn’t tell the full story, and the numbers certainly don’t indicate a market “crash”.

Property values fell in Sydney (down 0.9%) and Melbourne (0.8%), with a barely perceptible price dip of 0.2% in the ACT for May.

Meanwhile home prices continued to grow in the other state/territory capitals and across regional markets.

Yet there are signs the tide could be turning in buyers’ favour.

Read more in the blog:
https://www.pivotalfin.com.au/blog/not-a-housing-crash-easing-growth-and-plenty-of-buying-opportunities/