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    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/more-lenders-sign-up-to-low-deposit-first-home-buyer-scheme/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/myth-buster-do-weekly-repayments-pay-off-an-offset-loan-faster/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/not-feeling-the-budget-love-4-ways-you-could-still-get-ahead/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/one-in-three-first-home-buyers-use-guarantee-schemes/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/plot-twist-home-owners-keep-repayments-on-hold-as-rates-fall/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/plot-twist-millenials-are-australias-most-active-property-investors/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/property-market-climbs-towards-new-peak/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/property-market-set-to-blossom-this-spring/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rate-cuts-pencil-them-in-for-2025/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-cuts-the-cash-rate-for-the-first-time-since-2020/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-cuts-the-cash-rate-for-the-second-time-this-year-to-3-85-percent/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-increases-the-cash-rate-by-25-basis-points-up-to-4-35-percent/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/revealed-the-four-cities-tipped-to-be-future-property-hotspots/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/separating-understand-your-home-loan-options/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/small-deposit-50-000-home-guarantee-scheme-spots-just-opened-up/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/sneaky-rate-hikes-is-your-lender-behind-them/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/sounds-of-silence-how-traffic-noise-can-impact-property-values/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/surge-in-switching-1000-home-loans-refinanced-every-day/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-big-stretch-should-you-extend-your-loan-term/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-home-loan-feature-70-percent-of-new-borrowers-are-hooked-on/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-one-big-factor-pushing-house-prices-up/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-power-of-scale-and-support-why-pivotal-wins-when-it-matters-most/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-pros-of-having-a-mortgage-broker-on-your-side/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-scheme-thats-helped-193-000-aussies-buy-a-first-home/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/the-top-5-locations-turn-offs-for-aussie-home-buyers/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/theyre-back-why-property-investors-account-for-one-in-three-new-home-loans/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/thinking-of-buying-a-holiday-home-heres-what-to-weigh-up/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/thinking-of-installing-a-swimming-pool-for-summer/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/third-rate-cut-delivered-this-year-as-rba-trims-cash-rate-to-3-60-percent/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/three-financial-new-years-resolutions-to-tackle-2025-head-on/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/tiktok-vs-talking-to-your-broker-its-no-contest/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/two-thirds-of-borrowers-could-save-by-refinancing-report/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/was-that-the-shortest-property-downturn-ever/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/welcome-back-home-lending-jumps-as-first-home-buyers-return/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/what-are-the-chances-of-another-rate-cut-this-year/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/what-happens-to-my-home-loan-if-interest-rates-fall/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/what-you-should-know-about-buying-a-tenanted-investment-property/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/what-you-should-know-before-buying-subject-to-finance/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/whats-going-on-with-negative-gearing/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/whats-tipped-for-house-prices-in-2024/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/when-will-the-next-rba-cash-rate-call-be-made/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/where-are-the-bargain-homes-located-in-your-suburb/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/why-1-in-2-families-are-thinking-of-refinancing/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/why-9-out-of-10-first-home-buyers-use-a-mortgage-broker/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/why-multi-bedroom-homes-could-be-appealing-for-investors/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/why-offset-accounts-are-hitting-new-highs/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/why-three-in-four-aussies-turn-to-a-broker-for-home-loan-help/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/will-home-prices-keep-rising-over-the-next-year/</loc>
    <lastmod>2026-04-02T04:34:53+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/4-new-years-resolutions-for-financial-fitness/</loc>
    <lastmod>2023-05-11T02:27:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/5-reasons-for-home-loan-heartbreak/</loc>
    <lastmod>2022-12-01T02:00:47+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/5-ways-you-can-absorb-interest-rate-rises/</loc>
    <lastmod>2022-08-08T04:56:14+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/5-ways-you-can-prepare-to-buy/</loc>
    <lastmod>2022-08-30T02:16:20+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/breaking-out-of-mortgage-prison-can-easing-serviceability-buffers-help/</loc>
    <lastmod>2023-06-29T02:17:38+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/brisbane-property-market-2022-forecast-3-major-things-to-expect/</loc>
    <lastmod>2022-06-07T11:12:46+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/buying-could-be-cheaper-than-renting-for-a-third-of-properties/</loc>
    <lastmod>2022-11-10T02:33:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/can-a-job-switch-affect-your-mortgage-application/</loc>
    <lastmod>2023-01-26T01:20:43+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/christmas-is-coming/</loc>
    <lastmod>2022-04-27T06:39:36+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/considering-refinancing-your-mortgage-here-are-some-questions-to-ask/</loc>
    <lastmod>2023-02-02T00:38:55+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/could-apartment-living-help-you-dive-into-the-property-market-sooner/</loc>
    <lastmod>2023-07-20T02:22:26+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/debt-consolidation/</loc>
    <lastmod>2022-05-20T14:14:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/everything-you-need-to-know-about-buying-your-next-home/</loc>
    <lastmod>2022-06-01T23:58:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/first-home-buyer-numbers-have-halved-is-it-time-to-swoop-in/</loc>
    <lastmod>2022-12-20T01:50:56+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/first-home-buyers-guide-top-tips-for-getting-home-finance/</loc>
    <lastmod>2022-05-20T14:16:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/get-a-financial-head-start-on-the-school-year/</loc>
    <lastmod>2023-01-12T06:26:21+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/got-an-eagle-eye-on-house-prices-rate-rises-are-only-part-of-the-story/</loc>
    <lastmod>2023-03-15T23:45:28+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/homebuying-intentions-climb-as-aussies-untie-themselves-from-rental-crunch/</loc>
    <lastmod>2023-07-20T02:26:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/homeowners-brace-as-rba-raises-cash-rate/</loc>
    <lastmod>2023-05-03T01:29:04+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/homeowners-feel-the-pinch-as-rba-lifts-cash-rate/</loc>
    <lastmod>2023-03-07T04:00:24+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/how-to-escape-renting-and-get-into-the-property-market/</loc>
    <lastmod>2022-10-13T04:30:52+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/how-to-prepare-for-a-fixed-rate-mortgage-cliff/</loc>
    <lastmod>2023-02-16T05:33:44+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/interest-rates-keep-climbing/</loc>
    <lastmod>2022-08-16T23:34:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/is-now-a-good-time-to-buy-an-investment-property/</loc>
    <lastmod>2022-10-20T03:07:01+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/is-the-property-market-starting-to-rebound/</loc>
    <lastmod>2023-05-25T01:36:50+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/money-habits-that-may-raise-lenders-eyebrows/</loc>
    <lastmod>2023-03-30T01:18:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/more-home-buyers-set-to-benefit-from-low-deposit-no-lmi-schemes/</loc>
    <lastmod>2023-05-11T02:34:23+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/mortgage-brokers-vs-direct-lenders/</loc>
    <lastmod>2022-05-20T14:19:11+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/mortgage-holders-breathe-a-sigh-of-relief-as-rba-puts-cash-rate-on-hold/</loc>
    <lastmod>2023-07-05T02:25:06+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/mortgage-holders-granted-a-reprieve-as-rba-puts-interest-rates-on-hold/</loc>
    <lastmod>2023-04-04T23:47:05+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/mortgage-serviceability-how-to-jump-throgh-the-hoops/</loc>
    <lastmod>2023-06-15T01:53:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/nurses-and-midwives-now-eligible-for-lmi-waiver/</loc>
    <lastmod>2022-10-14T00:04:00+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/pay-off-your-home-loan-faster/</loc>
    <lastmod>2022-05-20T14:14:32+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/pe-approval-dont-wait-until-its-too-late/</loc>
    <lastmod>2022-05-20T14:15:16+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/planning-a-reno-in-2023-here-are-4-tips-for-smooth-sailing/</loc>
    <lastmod>2023-01-19T02:24:57+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/property-investment-top-tips-for-first-time-investing/</loc>
    <lastmod>2022-06-20T11:30:59+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/property-listings-and-prices-are-bouncing-back/</loc>
    <lastmod>2023-04-20T00:45:34+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/property-valuation-what-you-need-to-know-when-buying-a-home/</loc>
    <lastmod>2023-05-17T23:27:35+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-attempts-to-beat-back-inflation-with-another-rate-hike-up-to-4-10-percent/</loc>
    <lastmod>2023-06-07T00:33:18+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-hikes-cash-rate-again/</loc>
    <lastmod>2022-11-03T01:43:19+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-hikes-cash-rate-for-eighth-straight-month/</loc>
    <lastmod>2022-12-06T06:07:03+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-hikes-cash-rate-for-the-ninth-time-in-a-row/</loc>
    <lastmod>2023-02-07T04:09:51+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/rba-lifts-cash-rate-for-the-third-month-in-a-row/</loc>
    <lastmod>2022-11-02T05:43:10+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/refinancing-how-do-i-calculate-my-borrowing-capacity/</loc>
    <lastmod>2022-05-20T14:16:42+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/refinancing-traps-to-avoid/</loc>
    <lastmod>2022-05-20T14:13:45+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/renovate-or-invest/</loc>
    <lastmod>2022-08-12T00:23:25+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/seasons-greetings-heres-to-a-happy-and-prosperous-2023/</loc>
    <lastmod>2022-12-22T04:07:22+00:00</lastmod>
  </url>
  <url>
    <loc>https://www.pivotalfin.com.au/blog/secrets-to-getting-finance-approval-the-first-time/</loc>
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