Mel Noonan- Pivotal Financial

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Brisbane, QLD
Mel Noonan- Pivotal Financial

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Finance specialist helping clients achieve their financial goals. I have now taken on the role of finance broker at Denton Financial Services.

My journey with Pivotal began back in 2018, where I worked behind the scenes — supporting clients and the team with loan processing and admin.

05/11/2026

Keen to save on your purchase? Seller discounts just hit a 5-year high

Today’s homebuyers have a chance to enjoy a rare double win – the savings of lower property prices in many areas, coupled with seller discounts (below the original asking price) averaging 4.4% across our state capitals.

On today’s median capital city home value of $973,525, a 4.4% discount could see buyers save around $42,835 on a home purchase.

A discount on your home’s purchase price could also mean paying less stamp duty, plus the potential savings of lower monthly repayments on a smaller home loan.

Eager to score a price discount on your home purchase? Of course you are. We reveal how much of a discount sellers are currently offering – and what you can do to flex your negotiating muscle.

Read more in the blog:
https://www.pivotalfin.com.au/blog/keen-to-save-on-your-purchase-seller-discounts-just-hit-a-5-year-high/

03/11/2026

🏠 What does the latest RBA rate rise mean for your mortgage?

With inflation rising to 4.3% in September and underlying inflation at 3.6%, both remain above the RBA’s 2–3% target range.

While rising costs can put pressure on household budgets, this is a great opportunity to review your home loan and make sure it still suits your goals.

Want to make your mortgage work harder for you? Call us today and let’s explore your options. 📈

31/10/2026

No jump scares here Just great rates.

This Halloween, the only scary thing should be the costumes, not your home loan. Whether you’re buying your first home, refinancing, or after a better deal, our team will find the right loan for you.

Contact us to make it fang-tastically possible!

29/10/2026

🚗 Let’s get you rolling!

Whether it’s a new family SUV, your next work vehicle, or simply an upgrade you’ve been waiting for, getting the right car loan can make the journey a whole lot easier.

We’re here to help you explore your finance options, find a loan that suits your budget, and get you behind the wheel with confidence. From choosing the right loan structure to understanding your repayments, we’ll help make the process simple from start to finish.

Ready to find the right car loan for you? Let’s get you on the road! 🚘

Chat with us today!

27/10/2026

Why loan features can matter more than rates?

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. 📲

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.

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

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/

Address

Brisbane, QLD

Telephone

+61413022114

Website

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

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