Pinnacle Fortune - Residential & Business Loans

04/11/2026

How much could you actually borrow? It may have changed. 🏡

When interest rates go up, lenders test your loan at a higher rate, and that can change how much they’ll lend you. Here’s what they look at:
✔️ Your income and how stable it is
✔️ Your everyday living expenses
✔️ Existing debts, including credit card limits
✔️ Your deposit and savings history
✔️ Interest rates, plus a buffer lenders add on top

Get a quick estimate with our free Borrowing Power calculator 👉 https://pinnaclefortune.smartonline.com.au/calculators/borrowing-power-calculator/

Then talk to us. We work with multiple lenders, we’re not a bank, and we’re on your side from the start. Call 0400 502 142 or send us a message.

General information only, not financial advice.

Pinnacle Fortune — Making Loans Simple
📧 [email protected]
📱 0400 502 142
🌐 https://pinnaclefortune.smartonline.com.au/

04/11/2026

The RBA just put rates up again. Here’s what it means for you 👇

On Melbourne Cup Day, the Reserve Bank lifted the cash rate by 0.25% to 4.85%. That’s the fifth rise this year and the highest cash rate since late 2008.

If you’re on a variable loan, here are 4 simple steps:
1️⃣ Watch for your lender’s update on your rate
2️⃣ Recheck your repayments with our free calculator: https://pinnaclefortune.smartonline.com.au/calculators/loan-repayment-calculator/
3️⃣ See whether your rate is still competitive
4️⃣ Let us compare options across multiple lenders

Not sure where you stand? Message us or call 0400 502 142 for a no-pressure chat.

Source: RBA, 3 November 2026 – https://www.rba.gov.au/media-releases/2026/mr-26-30.html

General information only, not financial advice.

Pinnacle Fortune — Making Loans Simple
📧 [email protected]
📱 0400 502 142
🌐 https://pinnaclefortune.smartonline.com.au/

21/10/2026

Two myths we hear all the time 👇

❌ “I should just go to my own bank.”
✅ A bank can only offer its own loans. We compare options from multiple lenders, and we’ll look at your bank too.

❌ “Using a broker costs me more.”
✅ In most cases our service is free to you, because lenders typically pay the broker a commission. And we’ll explain any fees upfront, before you decide.

More choice. Less legwork. Advice that’s on your side. 🏡

Thinking about buying, refinancing or investing? Let’s chat.
📞 +61 400 502 142
✉️ [email protected]
🌐 pinnaclefortune.smartonline.com.au

General information only. Australian Credit Licence 389087.

20/10/2026

12/10/2026

Inspecting this spring? Get these 4 things sorted first. 🏡

✅ Your documents: ID, payslips and bank statements ready to go
✅ Your credit file: know what lenders will see
✅ Your must-haves: needs vs wants, and a suburb shortlist
✅ Your team: broker, conveyancer or solicitor, and a building inspector

Need a hand getting ready? Message us, email [email protected] or call 0400 502 142 for a free chat.

General information only; does not consider your personal circumstances.

28/08/2026

🏡 Good News: Your Borrowing Power Might Be Bigger Than You Think 🏡

Lenders have made several policy updates recently that could mean more borrowing capacity for home buyers, investors, and those looking to refinance:

✅ More rental income now counts — some lenders have increased how much rental income can be used toward loan servicing, which is great news for property investors and SMSF buyers

✅ Broader income recognition — health insurance and other expenses are being factored in more favourably, and select essential-service and frontline workers can now use more of their overtime income toward servicing

✅ More flexibility for everyday expenses — some lending criteria around living costs and savings requirements have also been eased

What does this mean for you? If you were told "not quite" on a loan application in the past, it might be worth taking another look — the numbers could stack up differently now.

📞 Not sure where you stand? Let's chat about your options.
📧 [email protected]
📱 0400 502 142