Mel Noonan- Pivotal Financial

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Brisbane, QLD
Mel Noonan- Pivotal Financial

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.

28/05/2026

EOFY is the ideal time to take a closer look at your mortgage and make sure your loan is still working for you. With interest rates, property values, and lending policies constantly changing, a mortgage health check with a broker can help you identify opportunities to save money, improve your loan structure, and plan confidently for the year ahead.

Whether you’re wanting to refinance, access equity, grow your investment portfolio, or better understand your borrowing capacity, now is the perfect time to review your options.

Get in touch us!

26/05/2026

From daily commutes to family trips, a reliable vehicle makes life easier.

Owning a reliable car can make everyday life easier, more convenient, and less stressful—and we’re here to help you make that possible. 🚗

Whether you need a vehicle for work, family responsibilities, school runs, business, or simply getting around day to day, having dependable transportation can make all the difference. We understand that buying a car is a big step, which is why we’re committed to helping you find a financing option that fits your budget and lifestyle.

Let us help you find the right financing option and get you on the road faster.

Chat with us today!

21/05/2026

Is a new build right for you?

Along with the pleasure of living in a brand new home, there can be a cost saving to a newly built place.

Analysis by Compare the Market found it’s normal for the cost to buy to be more expensive than building.

Other costs such as stamp duty can also increase the cost of an established home.

Bear in mind though, building takes time, and construction doesn’t always go to schedule. It’s not a bad idea to budget for a few unexpected costs such as possible delays due to weather.

Find out more information in our new blog:

https://www.pivotalfin.com.au/blog/turn-your-new-build-dreams-into-reality-how-to-fund-construction/

19/05/2026

⏱️ Want to cut up to 5 years off your first home deposit saving time? ⏱️

As property prices head north, saving a traditional 20% deposit can be a serious challenge.

But, there may be a short cut for many first home buyers.

A Domain report reveals the 5% Deposit Scheme can help Sydney first home buyers get into the market up to 5 years and 7 months earlier. 🏡

For Brisbane and Adelaide first homebuyers, the scheme can cut over four years off the time taken to save a deposit. 📊

In every other capital, the 5% Deposit Scheme can see first homebuyers bring forward their plans by more than three years. ⏩

Call us to see if the 5% Deposit Scheme could help you get into the property market sooner.

14/05/2026

🏡 How much do you really need to buy a first home? 🏡⁣
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Long gone are the days when you needed to save up a full 20% deposit (plus extra for other expenses!).⁣
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These days, you could need a deposit of just 5%, or even 2% if you’re a single parent, to buy a first home. 💰⁣
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For a $700,000 first home, a 5% deposit is $35,000.⁣
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Better yet, you may also be eligible for stamp duty exemptions/concessions or first home buyer grants.⁣
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Don’t forget to factor in other upfront expenses though. ⚠️⁣
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Legal fees, home insurance, stamp duty, and furniture removalists can all add up. 📦⁣
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Need help crunching the numbers and figuring out how much you could borrow? That's our specialty.

12/05/2026

🔁 A record number of Australians just refinanced their home loan 🔁

Looks like Australia is in the midst of a refinancing frenzy.

The ABS says over 640,000 homeowners refinanced their home loan last year.

That’s 73 loans refinanced every hour. ⏱️

Goes to show Aussie home owners are keeping their eyes on the ball when it comes to getting value out of their home loan.

It’s also a cue to check in with us to see if your old loan still suits your needs.

We’ll let you know if you could potentially save with a lower rate or improved loan features. 👇

06/05/2026

RBA lifts cash rate by another 25 basis points to 4.35%

For homeowners and investors alike, these changes could impact borrowing costs, investment strategies, and long-term financial plans.

The good news? Taking action early can help you feel more prepared and in control.

💡 Now may be a good time to:
• Review your current home loan and interest rate
• Assess your financial position and cash flow
• Explore refinancing opportunities
• Discuss strategies for your property or investment goals

Whether you’re navigating rising costs or planning your next move, having the right strategy in place can make a big difference.

Reach out to us to discuss your options!

05/05/2026

How to boost your borrowing power

The good news is that there are steps you can take to potentially boost your borrowing power – no matter what interest rates are doing.

Here are a few ideas to get started.

Review household expenses – even a small change in non-essential spending can make a difference.

Lower the limit on your credit card – lenders often base your borrowing power on the assumption your credit card is maxed out. Think about asking your card issuer to trim your credit limit. Or close it altogether.

Clear other debts – a lingering car loan, the remains of student debt, and even an ongoing buy now, pay later balance can impact your borrowing power. Knuckling down to clear the slate could see you rewarded with increased borrowing capacity.

Know that rate matters – the rate you pay isn’t the sole decider of whether a loan is a good match for your needs. But the lower the rate, the more you may be able to borrow.

Learn more from our blog:
https://www.pivotalfin.com.au/blog/could-your-home-loan-pre-approval-be-out-of-date/

30/04/2026

🏡 The top features home buyers are currently looking for 🏡⁣
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The top searches on http://realestate.com.au reveal the home features buyers love most, and the ones that can potentially add lasting value. 🔍⁣
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Interestingly, topping the list is a swimming pool. 🏊‍♂️⁣
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That’s followed by a garage, and air con. 🚗⁣
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Outdoor areas, ensuites and balconies are also high on the wish list. 🌿⁣
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And the fastest-rising search term in 2025, up 72%, was single storey. 📈⁣
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What’s on top of your property wish list? 📝⁣
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Once you've worked it out, get in touch and we'll help you calculate your borrowing power. 👇⁣

28/04/2026

Australia has seen a surge of investor activity in recent years, with investment loans reaching record highs.

But as home prices rise, plenty of investors are looking beyond their own backyard and making interstate purchases.

Is it really greener on the other side? Find out more here:

https://www.pivotalfin.com.au/blog/one-in-five-investors-snatch-up-interstate-properties/

23/04/2026

🏚️ How much could your 2026 reno cost? 🏚️⁣
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Thinking of buying a fixer-upper? ⁣
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Or just keen to show your current home some love? ❤️⁣
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Knowing how much the renos will cost is essential to any home improvement project. 🛠️⁣
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Archicentre has just released its 2026 Cost Guide. 📘⁣
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Keen for a new kitchen? Allow upwards of $23,000. 🍳⁣
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New bathroom? Your budget should likely start at around $17,500. 🛁⁣
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Planning an extension? It can cost from $2,700 per square metre. ⁣
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But most importantly: how to pay for it all? 🤔⁣
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Talk to us. 💬⁣
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We can run you through some finance options that can potentially turn your renovation plans into reality. 👇 ⁣

Address

Brisbane, QLD

Telephone

+61413022114

Website

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

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