Shannon Arnold - Pivotal Financial

23/10/2026

Is a lower interest rate the only reason to refinance? 🤔 Not necessarily.

As your needs change, your home loan should work with you. From multiple offset accounts and budgeting tools to saving for the kids or your next holiday, the right loan features can make a big difference. 🏡💡

Thinking about refinancing? Contact us to explore your options. 📲

22/10/2026

Good news for buyers this spring: home prices are cooling in most capital cities. 🏡

Cotality’s national Home Value Index fell 0.9% in August, with values now 3.6% below the March 2026 peak.

Price declines are also larger among higher-value homes, which could create opportunities for upgraders. Selling and buying within a similar timeframe may allow them to benefit from lower prices on their next property.

Ready to make your next property move? 🔑 Contact us today and let’s work out a plan that suits you.

21/10/2026

How long are your tax returns actually useful when applying for a home loan? 🧾🏡

If you’re self-employed, understanding which tax returns lenders can use—and for how long—can make a big difference when planning your next property move. There’s often more flexibility in the timing than you might expect.

🎥 Watch the reel to understand the tax return timeframe and what it could mean for your borrowing options.

Thinking about your next home loan? Contact us to discuss your options.

20/10/2026

That "it's officially mine" feeling hits different. 🤎

Romanticising your space is easy when the journey to get there is completely stress-free. From application to approval, we ensure a smooth mortgage process so you can focus on the best part: making your new house a home.

Call us today!

15/10/2026

15/10/2026

Think being self-employed makes getting a home loan harder? Think again. 👀🏡

There are lending policies specifically designed to make borrowing easier for self-employed applicants. Your income structure doesn’t have to stand between you and your property goals.

🎥 Watch the reel to find out how self-employed borrowers may have more options than they think.

Here is the link of the full video

https://www.pivotalfin.com.au/can-self-employed-people-get-a-home-loan/

13/10/2026

A fourth rate rise for 2026 has just made checking your home loan rate a priority. But what does a ‘good’ rate look like right now?

We reveal what’s currently a competitive rate, and how you may be able to land one.

Let’s not sugarcoat this.

Four rate hikes in just eight months is leaving plenty of home owners facing the squeeze of higher-than-expected loan repayments.

In fact, the cash rate is now sitting at 4.6%, a level not seen since 2011.

The difference is that 15 years ago, home loans were around half the size they are today.

But you may not have to simply accept a higher rate.

There could still be opportunities to save by switching to a home loan with a more competitive rate.

What’s a competitive rate right now?

Read more in the blog:
https://www.pivotalfin.com.au/blog/what-does-a-good-home-loan-rate-look-like-now/

10/10/2026

Offset vs Redraw: Which one could save you more money? 🏡💰

Both can help reduce the interest you pay on your home loan, but they work differently.

Both features slash your mortgage interest. But picking the wrong one can lock away your cash or trigger costly tax traps.

It is not just about saving money—it is about keeping control of it.

In our latest breakdown, Shannon Arnold and Lachlan Macdonald cut through the finance jargon to help you decide!

Find out which option suits you from our very own Shannon and Lachy for more information.

09/10/2026

🏡 Strategies that can help clear your mortgage by retirement 🏡⁣
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One-in-three Gen Xs expect that they'll still be paying off a home loan in retirement, according to a Citro/AMP report.⁣
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But there are ways to potentially clear the slate sooner. 💡⁣
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Refinancing could see you save with a lower rate (just try not to extend the home loan term). ⁣
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An offset account can also put spare funds to work by reducing the interest charged on your home loan each month.⁣
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Meanwhile, making consistent extra repayments more often can help chip away at the loan balance. 📉⁣
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Call us for more tips to potentially be mortgage-free by the time you retire. 👇⁣

06/10/2026

Australia’s peak property season is underway, and spring 2026 is shaping up as a buyers’ market. Here’s a quick peak of what the experts say we can expect in the weeks ahead…

Read the blog for more information!

https://www.pivotalfin.com.au/blog/spring-selling-season-is-here-whats-different-in-2026/