1. Bottom of The Curve
    16 May, 2016
    Bottom of The Curve
    Where will interest rates go from here? 'Bottom of the curve' is a term often used to describe the point where interest rates may have hit their lowest point over a period of time. The Reserve Bank of Australia (RBA) began dropping the cash rate in November 2011 eventually reaching an all-time historical low of 2.00% in May 2015. The rate has remained steady until this months meeting where the decision was made to drop the rate a further quarter of a percent to 1.75%.   Much debate continues
  2. Starting Over.....
    12 May, 2016
    Starting Over.....
    In Australia today around 1 in 3 marriages can be expected to end in divorce. With 77% of Australian couples also living together before getting married (and let’s face it - some don’t go the distance) the real impact of relationship breakdowns is likely to be much higher than the statistics lead us to believe. There is no doubt moving on from any long term relationship, be it marriage or de facto, can attract a heavy emotional toll. But the financial impact can also be far reaching and long
  3. Planning a renovation? Renovate for profit not for fun
    19 Apr, 2016
    Planning a renovation? Renovate for profit not for fun
    Planning a renovation? Some people love to buy a new home, sit back, relax and do nothing. Others itch to renovate their home at some stage – especially if they believe in the age old advice of buying ‘the worst house in the best street’! If your purchase is to be the family home for many years it makes sense to ensure your  renovation provides the features and inclusions that will enhance your lifestyle and support family changes/additions over time. Beware though – when your heart is
  4. Why use a Mortgage Broker for your next Home Loan
    31 Mar, 2016
    Why use a Mortgage Broker for your next Home Loan
    Meet John and Sally.... When you find your dream home don't risk settling for "your banks" best offer when you have access to an unbiased opinion at not only your bank but 24 others at Sunraysia Home Loans.    We know that all people have a relationship with their bank in some form or another and it is common for most to meet with their bank lender when thinking of a mortgage. Meet us instead. A single bank cannot offer you the hundreds of products we have on our panel and will not point you
  5. Mortgage Broker VS Bank
    16 Mar, 2016
    Mortgage Broker VS Bank
    The Australian finance market is complex and constantly changing. The dominance of the ‘Big 4’ banks has contributed to a perception that all lenders are the same. The reality is that consumers are spoilt for choice.




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