STEP 1

You've made a big decision, whether its purchasing a house/refinancing/renovating. What's next?

Getting a Home Loan, Refinancing, topping up a existing Home Loan is one of the biggest decisions you will make in life, and in many cases a daunting one. 

While exciting about future prospects, often clients are anxious about what’s yet to come.

From our brokers to their friends - to you!

Pivotal brokers know a thing or two about Home Loans. We asked them to share their best tips – the words of advice they would give their friends when it comes to getting a Home Loan.

What's the best piece of advice our PIVOTAL brokers give their friends?

Tim Denton -
Pivotal Financial Broker

Start doing things well in advance of when you think it will actually happen. This allows you to prepare for all of the ‘what-ifs”. Get your spending under control, get saving,reduce credit limits/debts – the sooner you do it the better.

Victoria Senethep - Pivotal Financial Broker

Understand how using facilities such as applying for credit cards and Afterpay can affect their credit score..

Justus Ansell - Pivotal Financial Broker

Don’t change jobs during or before Home Loan application. Stable employment over at least 6 months gives you the most amount of options when it comes to Lenders.

Ash Chandra- Pivotal Financial Broker

Guarantors are an option if you have a low deposit & there will be no mortgage insurance.

Anish Prasad - Pivotal Financial Broker

Now there is positive credit reporting, keep all your liabilities in check. No missed payments etc.

Graeme Christiansen - Pivotal Financial Broker

Consult a Mortgage Broker!

Danielle Wilson - Pivotal Financial Broker

If you have a home loan you should be calling your bank every 6 -12 months and ask for a rate review. You’ll be surprised the discounts they can offer, all you have to do is ask!

Alfred Van Kalken - Pivotal Financial Broker

If you are saving to buy a home, and also thinking about borrowing to buy a car, defer the car purchase til after they have bought the home.

Deborah Murphy - Pivotal Financial Broker

When thinking of buying, seek advice from a Mortgage Broker even if not in a position to buy yet. The broker can give them some guidance & confidence along the way, plus tips to help with the quality of the application. (eg. don’t go self employed if you are thinking of buying in the next 6-12 months).

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Tara Lancashire - Pivotal Financial Broker

Too often, home buyers leave mortgage shopping to the last minute and watch their dream home go to another bidder who had financing in order. Mortgage pre-approval is a free and non-binding process that presents you as a serious, qualified buyer when buying your first home. Contact your broker or find a recommended broker to start this process with.

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