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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 3pm Thursday 9am - 5pm Friday 9am - 3pm

Laura Sillano - Finance Specialist - Pivotal Financial

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Australia
Little Mountain, QLD
Laura Sillano - Finance Specialist - Pivotal Financial

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We are residential lending specialists with a focus on smart lending strategies, money structures that support our clients' goals, and personal service.

Credit Representative 471892 is authorised under Australian Credit Licence 389328. Your full financial situation will be reviewed prior to acceptance of any offer or product.

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.

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.

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.

Address

Queensland's Sunny Coast
Little Mountain, QLD
4551

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 3pm
Thursday	9am - 5pm
Friday	9am - 3pm

Telephone

+61422320497

Website

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

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