If banks say no,
we say yes.
Imagine opening an approval email after three banks already said no. That's what we do.
The Pivvot Guarantee
If we don't lodge your application within 48 hours of receiving your documents — you get every cent back. No questions. No conditions.
There are 3 structural reasons the bank said no — you can't see them. We can. Start your assessment and find out.
Your Approval Readiness Score is free. The fix is $99.
See If You Qualify
Pawan Dhir, Founder
From first home buyers to experienced property investors, we help Australians structure lending across every stage of the property journey.
We work with multiple lenders to find the right structure — not just the fastest approval.
Our services
Start here
Mortgage Strategy Consultation
$99Most financial strategy sessions cost $300–$500. This one is $99 — because we'd rather prove our value first.
In one focused session, you'll know exactly where your financial position stands, what's limiting your borrowing capacity, and which lenders are right for you. You walk away with a structured lending roadmap built around your situation — not generic advice.
🎁 Includes bonus Property Clarity Session — valued at $297, free this month.
Then this
Loan Structuring & Application
If we proceed, we manage your full mortgage process end-to-end — lodgement, lender negotiation, and settlement. You don't chase anyone. We handle it.
Even if banks said no
Complex & Declined Applications
We welcome the clients other brokers turn away. Declined applications, complex income, self-employed, non-conforming situations — this is where we do our best work.
Built for every stage of the property journey
You weren't a bad borrower. You were badly represented.
First Home Buyers
Navigating your first purchase is overwhelming. We simplify the finance so you can focus on finding the right home.
Property Investors & Rentvestors
We structure lending that keeps your portfolio moving — not just your first property.
Refinancing Clients
If your current loan isn't working for you, we'll show you what a better structure looks like.
Self-employed or complex income
Variable income shouldn't mean automatic rejection. We know how to present your financials the right way.
Most people think they have a borrowing problem.
They don't.
They have a structure problem.
Banks don't just assess income — they assess how your financial position is structured. We don't guess. We structure first.
A clear picture of exactly where you stand — before approaching a single lender
A structured roadmap built around your situation — not generic advice
An application lodged within 48 hours — or your money back
Access to lenders your bank will never tell you about
A clear 3-step process
Complete your assessment
Share your financial position through our structured questionnaire.
Book a $99 strategy consultation
We'll walk you through your borrowing capacity and approval readiness.
If we can't add value for you, we'll tell you upfront — no obligation to proceed.
Get your lending roadmap
Receive a structured plan and clear next steps tailored to you.
We don't take cold calls. Complete your assessment to get started.
2 years. 3 states. Multiple investment properties — while renting where I love to live. I didn't have a borrowing advantage. I had a structure advantage. Now you do too.
As an immigrant to Australia, I've personally purchased a principal home and built investment properties across multiple states — and I share property and finance education along the way to help everyday Australians build wealth.
"Lending should be structured, not guessed."
— Pawan Dhir, Founder, Pivvot Finance
Trusted by thousands of Australians building wealth
Our clients found us through our finance education content. Here's what they say.
Deep B.
@deep.bhola
"Just following you on insta and I think your videos are genuine — that is great work you're doing online. After watching your video I started investing in Perth Mint. Great info, thank you."
Sabbir S.
@sabbir_sabi
"Bro I loved your content! Your content helped me to post my first video! Exactly the same content I wanted to get inspiration from — someone authentic going through the same phase. Admirer of your work!"
Rachit K.
@rachitkaher
"Pawan was nothing short of spectacular. Your advice has really helped me in changing my perspective about investment and goals. I really enjoyed chatting with you and learned a lot from the experience."
Rakesh Maddi
@rakesh.maddi
"Keep growing brother — I liked the way you teach people regarding financial knowledge."
Janta Kumari
@janta.kumari
"Bhot hi badiya kaam kar rahe ho bhai. Really loving all the stuff you're putting here — and using it the right way."
We cap intake at 8 clients per month.
Only 4 spots remaining this month — once we're at capacity, bookings close until the next cycle.
Every month without a clear structure is a month of property prices moving and borrowing power shrinking. The cost of waiting is real — and it compounds.
We accept a limited number of files each month — when you're in, you have our full attention.
Common questions
Do I have to proceed with a loan after the consultation?+
Not at all. The $99 consultation is a standalone service. You'll walk away with a clear lending roadmap regardless of whether you choose to proceed with us.
What if I've already been declined by multiple banks?+
That's exactly who we specialise in. A declined application doesn't mean you can't get approved — it usually means the structure was wrong. We assess your position and find the right pathway.
How are you different from my bank and other brokers?+
Your bank offers one set of products and assesses you their way — if you don't fit their box, you're out. Most brokers work the same way, just with more lenders. We're different because we structure your financial position before approaching a single lender. We don't find you a loan and hope it sticks — we build the case first, then go to market. That's why our clients get approved when others couldn't help them.
Why do you charge $99 when other brokers are free?+
Because free advice has no accountability behind it. Every broker in Australia will talk to you for free — and most people still end up confused, declined, or in the wrong loan. When you invest $99, two things happen: you show up seriously, and so do we. This session is prepared, structured, and personalised to your exact situation. The $99 isn't our fee — it's your commitment to taking your finance seriously. And if we don't lodge your application within 48 hours of receiving your documents, you get every cent back.
Do you charge anything beyond the $99?+
The $99 covers your strategy consultation. If your loan proceeds, standard broker commissions apply — paid by the lender, not you. This is disclosed upfront.
How quickly can you get me approved?+
We guarantee to lodge your application within 48 hours of receiving your documents. From there, lender timeframes vary — but we stay on top of it so you don't have to.
The proof is in the process.
Every client gets a personally reviewed Readiness Score, a structured lending roadmap, and an application lodged within 48 hours — or their money back. No other broker in Australia puts that in writing.
Your Approval Readiness Score is free. The fix is $99.