Simon Zwart - Finance Specialist - Pivotal Financial

Simon Zwart - Finance Specialist - Pivotal Financial Make your next move, your best move.

😁 The cash rate may be on hold - but you could still save 😁The RBA may have kept rate cuts on ice. 🧊But that doesn’t mea...
29/10/2025

😁 The cash rate may be on hold - but you could still save 😁

The RBA may have kept rate cuts on ice. 🧊

But that doesn’t mean home owners should.

According to Mozo, after the August rate cut, several lenders made additional reductions to their variable rates. 📉

Fixed rates have also continued to drop.

If you haven’t reviewed your home loan recently, now could be a good time to do so. ⏰
And with a mortgage broker’s help, refinancing can be a simpler process.

Talk to me to see if switching could help you save on interest on your home loan. 👇

👨‍🔧 How to get a home loan if you’re self-employed 👨‍🔧⁣⁣Over 2 million Australians are living the dream of self-employme...
21/10/2025

👨‍🔧 How to get a home loan if you’re self-employed 👨‍🔧⁣
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Over 2 million Australians are living the dream of self-employment.⁣
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While working for yourself can make it harder to land a home loan, don’t let that deter you. 🤜 🤛⁣
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Westpac reports a 30% rise in home loans to self-employed borrowers.⁣
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So it can be done.⁣
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You usually need proof of income spanning several years, though 1-year income assessment options have become available.⁣
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The main thing is to talk to me. 📞⁣
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Because I strongly believe that running your own show shouldn't stop you from getting a place of your own. 👇⁣
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The Right Loan Starts with the Right AdviceWith so many lenders and options out there, choosing the right home loan can ...
14/10/2025

The Right Loan Starts with the Right Advice

With so many lenders and options out there, choosing the right home loan can feel overwhelming.

That’s where I come in. I take the time to understand your goals, compare the best options, and give you clear, honest advice — so you can make confident decisions.

📲 Enquire now for a no-obligation chat.

😅 Is COMO the new FOMO? 😅⁣⁣CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣⁣That’s seeing hom...
14/10/2025

😅 Is COMO the new FOMO? 😅⁣
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CoreLogic says home prices could rise 5.8% nationally over the year ahead.⁣
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That’s seeing home buyer FOMO (fear of missing out) evolve into COMO (compromise or miss out), according to Domain.⁣
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A little compromise can sometimes pay off. 🤝⁣
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Opting for an apartment rather than a house, looking a little further out than your preferred suburb, or maybe compromising on the number of bedrooms, could help you find an affordable home that ticks most of your goals. ✅⁣
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It’s about connection, not perfection.⁣
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Call me to find out your borrowing power. It can be the starting point to finding your next home. 👇

😮 Skipping pre-approval sees 1-in-10 first home buyers miss out 😮⁣⁣It’s not unusual for first home buyers to miss out on...
08/10/2025

😮 Skipping pre-approval sees 1-in-10 first home buyers miss out 😮⁣
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It’s not unusual for first home buyers to miss out on their dream property.⁣
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A Finder survey shows 3 in 5 have been beaten to homes – often because they’re outbid by another buyer.⁣
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But over one in ten (11%) have lost out because they didn’t have home loan pre-approval. 🤔⁣
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Pre-approval could allow you to act faster, and negotiate (or bid) with confidence knowing you have the green light for a loan.⁣
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It can also give first home buyers a competitive edge for time-sensitive property sales. ⏳⁣
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Call me to know how pre-approval can help seal the deal and beat other buyers to the punch. 👇⁣

✨ 5 Things They Didn’t Tell You About Investment Property ✨Buying an investment property isn’t just about the deposit an...
02/10/2025

✨ 5 Things They Didn’t Tell You About Investment Property ✨

Buying an investment property isn’t just about the deposit and the loan… there are hidden costs many new investors don’t expect. Here are 5 you should know before taking the leap 👇

1️⃣ Strata & Council Rates
Apartments and townhouses usually come with strata fees, and all properties have council rates — these can add up fast.
2️⃣ Property Management Fees
If you use a property manager, expect to pay around 7–10% of the rent for their services. Worth it for peace of mind, but it’s a real cost.
3️⃣ Landlord Insurance
Protects you from damage or loss of rent, but it’s an ongoing premium to factor in.
4️⃣ Maintenance & Repairs
Leaky taps, new appliances, or bigger repairs — they’re on you, not the tenant.
5️⃣ Vacancy Periods
There might be times when the property sits empty, meaning no rental income while you still cover repayments and costs.

💡 Smart investors plan for these ahead of time so they’re never caught off guard.
👉 Ready to explore your options? Let’s chat.

🏠 vs 🏢Residential vs Commercial: Which Investment Path is Right for You?When it comes to property investing, should you ...
30/09/2025

🏠 vs 🏢
Residential vs Commercial: Which Investment Path is Right for You?

When it comes to property investing, should you go residential or commercial? Let’s break it down:

🏠 Residential
✔ Lower entry cost
✔ Easier to finance
❌ Lower rental yields
❌ Higher competition

🏢 Commercial
✔ Higher rental yields
✔ Longer lease terms
❌ Higher deposits required
❌ Can be riskier in downturns

🔑 The right choice depends on your financial goals, risk appetite, and timeline.

✨ Not sure which fits your strategy? Let’s work it out together.

🏡 Struggling to save a 20% deposit for your first home? 🏡⁣⁣The federal government is expanding its popular 5% deposit sc...
25/09/2025

🏡 Struggling to save a 20% deposit for your first home? 🏡⁣
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The federal government is expanding its popular 5% deposit scheme for first home buyers: the Home Guarantee Scheme!⁣
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What’s changing on 1 October 2025?⁣
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🏡 Higher property price caps⁣
🙌 No place limits⁣
😁 No income caps⁣
🧑‍🌾 Simpler access in the regions⁣
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With CoreLogic predicting that home prices could climb 5.8% nationally over the next 12 months, the scheme could help you beat rising property prices.⁣
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Contact me today to find out if you’re eligible. 👇⁣

💪 Why it might be time to revisit your borrowing power 💪⁣⁣A lot has happened since you might've last checked how much yo...
23/09/2025

💪 Why it might be time to revisit your borrowing power 💪⁣
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A lot has happened since you might've last checked how much you could borrow, including:⁣
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✅ Interest rates have fallen⁣
✅ Stage 3 tax cuts have kicked in⁣
✅ Wages are up (have you got a pay rise?)⁣
✅ Lenders can now overlook HECS-HELP debts.⁣
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Long story short, your borrowing power may now be higher than it was in the past.⁣
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Get in touch to find out if your borrowing power has changed. 👇⁣

Queensland’s new shared-equity scheme is a fast track to home ownership for eligible first-home buyers.But it’s not “fre...
16/09/2025

Queensland’s new shared-equity scheme is a fast track to home ownership for eligible first-home buyers.

But it’s not “free” — you trade a government share of capital today for a smaller loan now.

We model the numbers, the buy-back options, lender fit and refinance path so you can see the real long-term outcome for your Brisbane suburb.

Want a free eligibility check and a worked example for your target suburb? Comment BOOST for more.

(Important: scheme settings and application windows are still being finalised — we’ll confirm exact buy-back rules and lender acceptance before you apply.)

☀ Now’s the time to consider a summer home make-over ☀⁣⁣Summer might still be months away, but now is a good time to sta...
11/09/2025

☀ Now’s the time to consider a summer home make-over ☀⁣
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Summer might still be months away, but now is a good time to start preparing for higher temps.⁣
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Low-cost renovations like installing new air con or insulation, or just adding French doors that keep the cool air flowing, can keep your place comfy.⁣
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Or maybe you’re keen to add a back deck or solar panels? ☀⁣
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Your home could even help pay for it all.⁣
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From a simple refresh to a full renovation, talk to me about how home equity could fund renovations that add value and comfort to your place.

🏘 How much equity can you use to buy an investment property? 🏘⁣⁣Built some equity in your home?⁣⁣You may be able to use ...
09/09/2025

🏘 How much equity can you use to buy an investment property? 🏘⁣
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Built some equity in your home?⁣
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You may be able to use it to invest in a rental property. ⁣
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Here’s the catch. 🎣⁣
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Lenders want to protect themselves (and you) if house prices drop.⁣
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That’s why banks look at your ’usable’ equity.⁣
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That works out to 80% of the value of your home, then deduct your home loan balance.⁣
Here’s another solution. 😎⁣
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Skip the number-crunching and give me a call.⁣
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I can explain how much you can borrow without the complex numbers. 👇⁣

Address

Ground Floor, 143 Coronation Drive
Brisbane, QLD
4064

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Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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