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Lachlan Macdonald

Finance Specialist


"Lachy was awesome with every aspect of my home loan. Being my first home, I was unaware of what was involved, but Lachy put me as ease immediately, and his knowledge with loans and finance is amazing!"

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Why choose Lachlan as your mortgage broker?

'Nothing is too much trouble for Lachy' is how clients and colleagues sum up Lachlan Macdonald, a Pivotal Financial broker with more than 20 years of banking and finance experience, including his role as State Manager of CommInsure, the insurance arm of the CBA. With that much experience comes a thorough knowledge of all things financial, not just mortgages; a tremendous understanding of financial goals and how to help clients realise their dreams and secure their financial future across lending, insurances, investments and superannuation; and the ability to sift through the legal and financial jargon so it makes sense.

What stands Lachlan apart, though, is a self-confessed love of dealing with people and the depth of his perceptiveness when it comes to people's emotions. Having bought and sold many places of his own, he gets the emotional hesitation and nervousness people have when buying a home and that it is a home not just a house - he personalises the process for every customer. He considers himself fortunate to combine his passion with his work making the numbers work for customers in a way they can understand.

Technology allows Lachlan to work with clients right across Queensland, face-to-face in person and screen, via phone or any other communication vehicle. Always energetic and passionate as he stands side-by-side with his customers, he loves finishing the day with a sense of achievement, knowing he has made a real difference. High energy flows into life outside his work-based passion for this avid runner who loves the outdoors and overseas travel.

Lachlan is undoubtedly the broker of choice if you need supreme service and the best product available with all the hassle removed from the process, allowing you to enjoy the journey of securing your dream home.

How Lachlan helped our clients save

Melissa Rogan

Client

Client Story: At the age of 24, Melissa had already wanted to leave the rental-roundabout and have her own 2 bedroom unit, yet only had $20,000 for her deposit of 5%. As a first home buyer, she was wondering if any government support scheme was available to assist her but needed guidance from someone she can trust, given she was nervous about owning her own home. 

Solution: Lachlan researched well to find Melissa a lender who would align with the government schemes available to her situation. The $15,000 First Home Owners Grant (FHOG) was combined with the First Home Loan Deposit Scheme (FHLDS) to take Melissa's available deposit to $35,000, and no Lenders Mortgage Insurance (LMI) was payable as a result. Melissa secured a brand-new unit for $430,000 on a 3 year fixed loan, which had repayments less than the rent she was paying.

Wow, what can I say? From the moment I was put onto Lachy, he was nothing short of amazing. He knew I was nervous and scared about finance, about entering the big world of first home ownership, but his excellent demeanour eased my mind instantly. Lachy on countless occasions came to my location to discuss options with me, with such precise detail. He was available to answer my questions with such quick responses. Lachy went above and beyond to help me, and somehow landed me an absolute incredible home loan deal. I will be forever grateful for what you have done for me Lachy. 



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