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Ben Osborn

Finance Specialist


“I’m driven each day to be the best I can be. Success to me is being in a position to help those around me to achieve their goals.”

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Helping Brisbane's frontline workers buy their first home

Nurses, paramedics, police, firefighters, teachers and carers spend their days looking after everyone else. Ben's focus is making sure someone is looking after them when it's time to buy their first home.

Frontline work often means rotating rosters, overtime, penalty rates and allowances. That can make a home loan feel more complicated than it should be, but when your income is understood and presented properly to the right lender, it can work in your favour. Ben takes the time to understand how you're paid, what you can realistically borrow, and which government schemes, like the Home Guarantee Scheme, could help you get in sooner. 

Before becoming a broker, Ben spent many years in the corporate world building and leading teams across the country. He's also bought, sold and invested in property himself, so he knows what the process feels like from the buyer's side. He explains everything in plain English, works around your roster, and brings together everyone involved, from lenders to conveyancers and agents, so you're not left chasing anyone. 

Outside of work, you'll usually find Ben on a motorbike. His trips have taken him through Central Australia, Cape York, the Kimberley, the Victorian high country and Tasmania, as well as plenty of time riding through France and Europe. 

"You look after everyone else. Let me look after the home loan. There's nothing better than handing someone the keys to their first home." 

From the frontline to your front door.

How Ben helped our clients save

Nishant and Sonya

Client

Client story: Nishant and Sonya
Nishant and Sonya are both nurses, and between rotating shifts and raising two young kids, the last thing they needed was instability at home. But in just 12 months they had to move three times, each time because the owner decided to sell. They were tired of packing up their family again and again, and decided it was time to get out of the rent cycle and into a home of their own.

How we got them there
They were both working full time and had savings behind them, so the first step was working out what they could borrow and which price range would let them make the most of the first home buyer grants and schemes available. Nurses' income can include shift penalties and overtime, so we made sure their full earnings were presented properly to the lender. From there we put a clear plan together, found the right lender and got their finance approved.

Today they own a 3 bedroom townhouse, a home their kids can grow up in without worrying about the next lease ending.

In their words

"Ben gave us the confidence to explore possibilities we didn't think we had. After Ben explained the process and what government grants we could access, we realised we could buy our own home. As it turns out the mortgage repayments are less than what we were paying in rent and Ben has set up the loan in such a way that we can pay extra and redraw that money when we need. Thank you so much, Ben!"



Your next move could be Pivotal.

We invest heavily to source the right people to represent the Pivotal Financial brand. Our team are energetic, positive and professional giving you the time and attention you deserve.

We are waiting to help you on the next stage in your journey.

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