Recently our experienced Pivotal Financial Specialist Danielle Wilson, was able to assist her clients when their bank originally advised they didn’t service the loan.

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Danielle was contacted by a real estate agent advising that clients of theirs had originally gone to their bank and their loan application was unable to proceed. This was due to and based on their tax returns for 2016, they were advised that they didn’t service the loan.

Danielle, took the initiative to contact the client to discuss what had actually occurred, Danielle soon realised that the clients hadn’t yet done their 2017 tax returns and the wife, who works from home earning about $20k per year wasn’t going to lodge a tax return because she thought she didn’t earn enough.

Danielle advised them to talk to their Accountant about declaring the $20k, given that she wouldn’t have to pay tax on the first $18,200.

The clients spoke to their accountant got their tax up to date, declared the $20k and this was enough to get their servicing over the line.

We are pleased to advise that the clients loan is now unconditional and they are getting ready to build their dream home for their family.

This is just another good news story where Pivotal Financial Specialists go above and beyond and think outside the box to assist their clients.

Contact Danielle today for a confidential, stress free discussion on 0439 908 828.

Experienced Pivotal Financial Specialist Danielle Wilson strengths are that she will help her clients every step of the way and ensure they feel comfortable with the whole process.

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Below is a testimonial from one of her happy clients.

 

Client Testimonial – Roberto Palombo

I was acquiring the family home and investment properties during a messy marriage separation. Danielle  explained the refinancing process; kept in touch regularly during all the phases and ensured what was already a stressful situation was not exacerbated.
Danielle made me feel like my situation was important and made the whole loan re-financing experience flow smoothly. I now have a home, and have less stress about my financial future.

Thank you very much Danielle.Contact Danielle today for a confidential hassle & stress free discussion on 0439 908 828.

Experience Pivotal Financial Specialist Tim Denton always goes above and beyond to ensure his clients get the home that they want.

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Recently Tim received a call from RE/MAX Solutions agents Julian Clifton and Anthony Tonakis, in the hope that Tim could assist a young couple, who were First Home Buyers in obtaining finance for a property that they had fallen in love with. 
Tim jumped at the chance, one of Tim’s passions is helping people into their first home, and Tim was excited to work with another young couple.

The young couple after seeing this property at an open-home inspection, fell in love with it – they had to have it!

In what can only be described as a difficult situation, Tim was able to come up with a solution that the clients were extremely happy with, and ultimately it resulted in them being able to purchase their first home.

Below is the testimonial from this young couple:

From the instant we made contact with Tim, he was so accommodating, helpful and sincere. He took a genuine interest in us and what our goals were, and carefully selected a lender that would be most suited to us in purchasing our first home. Even though it wasn’t always smooth sailing (when is it ever?), Tim was always keeping us in the loop, explaining every little aspect of the process as it happened and supporting us and our needs unconditionally. The time and amount of work Tim put in to our particular application went well above what would be expected of a broker, working late nights, early mornings and even sacrificing aspects of his personal life to give us every possible chance at achieving our dream. We would not be where we are today, proud first home owners, if it wasn’t for the remarkable effort Tim put in (calling in favours and exhausting every possible option) and for that we will be forever grateful. He even visited us at our new house to guide us through some post-approval financial management systems, when this is by no means part of his job description. I cannot speak more highly of anyone I have ever dealt with in any customer-focussed role and would highly recommend Tim to anyone looking at purchasing, building or refinancing a property.

Contact Tim for a confidential hassle & stress free discussion on 0439 507 814.

Experience Pivotal Financial Specialist, Ash Chandra always thinks outside the box in his aim to help every client that crosses his path get into the home they want.

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Recently Ash Chandra was able to assist clients get into their dream home. Ash’s clients recently went unconditional on a purchase without any Mortgage Finance organised. They required an additional $200,000 to be able to settle on their home they wanted. A previous broker the clients saw, wasn’t able to assist the client as didn’t go the extra mile and was only able to arrange a loan for $80,000 due to a few credit defaults totalling $30,000.
When Ash first met the clients they were very stressed. After assessing their situation, Ash was able to negotiate with a non-confirming lender (Bluestone) for the full loan required with a condition that the defaults were to be paid out as well. Ash coordinated with the lender and the debt collector companies and he was able to settle the loan shortly after for his clients.

Another successful story where Pivotal Financial Specialist Ash Chandra was able to help clients make their next move their best move.

Contact Ash for a confidential hassle & stress free discussion on 0416 826 440.

Experience Pivotal Financial Specialist Paul Habib shows us again how his reputation extends to the level of research he does to achieve the best outcomes for his clients all over Australia.

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Recently Paul was able to continue his support to a Pivotal client, originally this client came to Paul hoping to purchase land and then construct a home, however the client didn’t have sufficient deposit.

Paul suggested the client’s parents go guarantor for the purchase of the land, the land settled in 2017, it took the client several months to find a suitable home to build on the land, which also gave the client the opportunity to save.

Meanwhile the land had appreciated in value, so when the time came to do the construction loan, there was sufficient equity in the land as well as clients savings to be able to refinance the land and release the parents as guarantors.

Another favourable outcome for a Pivotal client and their parents.

Contact Paul for a confidential free discussion on 0419 224 001.

Experience Pivotal Financial Specialist, Nikki Ireland’s strength is that she never gives up.

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Below is from one of Nikki’s clients:

Recently Nikki Ireland from Pivotal Financial helped us buy our first home at only 20. Thanks so much Nikki! We love our new home! But even more thanks for being so helpful! While we were going through this process I was working long hours and driving 1.5 hrs out of town to get to work, which should’ve made it hard for me, however Nikki made it easy!
She took care of everything and rearranged herself to fit our schedules when we needed her to! She clearly explained everything, which made us feel great about the process as we always knew what was happening and never felt lost.
Even with set backs and complications Nikki persisted and took care of everything and got us across the finish line. Thanks so much Nikki, we will definitely be coming to you for all our financial needs in the future and recommending you to all our friends and family!
You make our lives easy and wonderful! You are amazing and a great asset to Pivotal Financial.
Contact Nikki for a confidential hassle free discussion on 0400 124 229.

Victoria Senethep from Pivotal Financial assisted with the purchase of my first investment property. Throughout the entire process, from pre-approval to settlement she clearly explained the process and was always available to answer questions.

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She is knowledgeable, easy to deal with and really pushes to achieve the best result for her clients. If you’re in the market or just want to get an idea of how much you can borrow, I would definitely recommend giving her a call.

Hi Alfred, myself and Teresa would like to say thank you for arranging our mortgage. We thought you were very informative and professional with keeping us updated as we went through the process, to completing the purchase of our first home in Australia. We will be using your services again in the near future, thanks again. Steve Baker

Contact Alfred for a confidential free discussion on 0408 062 759

Thanks Anish! You do amazing work. Your down to earth attitude & streamline efforts would make anyone appreciate your assistance during a time that is quite prominent in their lives.  – Tracey L

Contact Anish for a confidential free discussion on 0455 500 554.

From the instant we made contact with Tim, he was so accommodating, helpful and sincere. He took a genuine interest in us and what our goals were, and carefully selected a lender that would be most suited to us in purchasing our first home.

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Even though it wasn’t always smooth sailing (when is it ever?), Tim was always keeping us in the loop, explaining every little aspect of the process as it happened and supporting us and our needs unconditionally. The time and amount of work Tim put in to our particular application went well above what would be expected of a broker, working late nights, early mornings and even sacrificing aspects of his personal life to give us every possible chance at achieving our dream. We would not be where we are today, proud first home owners, if it wasn’t for the remarkable effort Tim put in (calling in favours and exhausting every possible option) and for that we will be forever grateful. He even visited us at our new house to guide us through some post-approval financial management systems, when this is by no means part of his job description. I cannot speak more highly of anyone i have ever dealt with in any customer-focused role and would highly recommend Tim to anyone looking at purchasing, building or refinancing a property. B.Stylis

Contact Tim Denton on 0439 507 814

Thanks Anish!  When buying our first home we were new to the finance side which can be a stressful time, Anish was with us along the way, providing us with nothing but the best service!

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We always felt like we were being looked after from the beginning to the end! You were friendly and knowledgeable which comforted us and made us feel secure! We will definitely be using you for the finance of our next home. – Claire & Seth

Contact Anish on 0455 500 554

It has been a absolue pleasure to deal with Danielle and we would have no issue in recommending her to any person……..

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Client Testimonial – Rochelle and Paul

We were first introduced to Danielle through the refinancing of an investment property we own with a family member. The pressure of locating the best option for this transaction together with the complications of reflecting the interests of all stakeholders were professionally managed by Danielle and resulted in a smooth and seamless activity.

Danielle has recently assisted us during the sale of our home of 18 years by taking the time to understand our current situation and establish a lending portfolio to suit our current and future needs. Her patience, knowledge and friendly caring manner allowed for us to identify and secure an improved home loan rate and investment package and feel comfortable with moving away from our previous long term lender.

This assistance ensured we were in the best position when we eventually located our new home by coordinating a pre-approval for our mortgage and assisting with validating the true values of potential purchases.

It has been an absolute pleasure to deal with Danielle and we would have no issue in recommending her to any person who requires financial guidance and assistance.

Regards

Rochelle and Paul

Contact Danielle on 0439 908 828

I approached Paul because I was unable to get the finance I needed to increase my property portfolio. Paul had come highly recommended to me from someone who had used his services.

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Paul helped me by arranging finance where other lenders were unwilling to help us regarding what we required or listen to our situation.

The result Paul got for us allowed us to successful get the finance approved and at a better rate than I expected.

The things that impressed me was Paul and Mimi’s customer service, accessibility and reliability, when they said they would call, they would. Paul’s flexibility for appointments, able to help with any questions, explanations we required or advice and was able to put our minds to ease about the whole process. 

I found the experience far exceeded our expectations, Paul kept us well informed and made the entire process really easy.

I have recommend Paul to people who require financial loans, refinancing and the self employed, his manner and expertise made for a positive and stress free experience. Paul was able to deliver. 

Damian and Debbie Shalders 

Contact Paul for a confidential free discussion on 0419 224 001.

 

Paul Habib is truly an exceptional finance specialist.  I would recommend him to anyone for their finance needs.

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Paul went above and beyond to assist my husband and I with the purchase of our dream home.  We suspected it was out of our reach, or alternatively, achievable only if we obtained finance at a high interest rate.  To the contrary, Paul kept us with our current bank (one of the top 4) and achieved a fantastic rate for us.  Paul made the whole process seamless and we could not be happier.  I would not hesitate to recommend Paul.

K Cherry (Solicitor)

Contact Paul for a confidential free discussion on 0419 224 001.

After experiencing a roller coaster ride to finance our new property we were recommended to contact Paul Habib.

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I am please to say that we finally made it and now have the keys to our new home thanks entirely to the dedication of Paul Habib our Property Finance Specialist.

It’s fair to say that without Paul we may never have made it to the finish line. He kept us calm throughout the process as he gently worked his magic through the mine field of hurdles that we encountered along the way.

If you are looking for a friendly and experienced finance expert then I would fully recommend Paul Habib and his team to guide you through to your dream of owning your own home.

Thank you Paul for everything, we really couldn’t have done it without you.

Gerard Farmer

Contact Paul for a confidential free discussion on 0419 224 001.

My partner and I recently bought our first home and Victoria helped us with our loan. We were very happy with the service we received!

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She really helped keep the stress to a minimum. She’s knowledgable, was always happy to help, and goes the extra mile for you. Would definitely recommend Vic to anyone looking for help with their finances!

J Tran

Victoria was extremely helpful for our first home buying process. She made the experience stress free and provided us guidance the whole way through.

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As a first home buyer, I had little knowledge about the process of buying a property. Victoria explained everything thoroughly and provided suggestions to my best interest to ensure I was getting the correct product. Extremely friendly, professional, and knowledgeable. I would definitely recommend Victoria to prospective buyers. 5/5

L Khov

Contact Victoria for a confidential free discussion on 0413 538 868.

 

The go to person when you are in doubt about finance!

H Yoo

Contact Victoria for a confidential free discussion on 0413 538 868.

Anish was a pleasure to work with making us feel comfortable and like friends

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Pivotal Financial Good News Story of the Week…….

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Danielle was fantastic with sourcing the financing of our recent acerage purchase. When I was in meltdown mode, Danielle was always very professional and reassuring and did a wonderful job getting everything and everyone over the line.
Thank you so much Danielle!
M Beatty

Contact Danielle for a confidential free discussion on 0439 908 828.

 

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