Sunny Sun in Wheelers Hill, Victoria | Mortgage brokers

Sunny Sun

Locality: Wheelers Hill, Victoria

Phone: +61 424 194 688

Address: 41C/190 Jells Road 3150 Wheelers Hill, VIC, Australia

Website: http://www.sunnyfinance.com.au

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25.01.2022 **Spring is only a month away, I hope you and your family are staying safe and enjoy the beautiful sunshine. Here is our 2020 Aug Newsletter. Hope this little article will add some value to you. And you are welcome to share with your family and friends if you find it is useful to them.** As part of the economic response to the COVID-19 pandemic, the federal government’s HomeBuilder program provides eligible owner-occupiers including first home buyers with a grant of $25,0...00 to build a new home or substantially renovate an existing home before the end of 2020. It can pay to check if you’re eligible and what you’ll need to do to apply if you are. HomeBuilder is designed to complement existing state and territory first home owner grant programs, stamp duty concessions and other building schemes. The $688 million program has been set up to support a construction and building industry that has so far weathered the storm of the economic downturn caused by the pandemic but is starting to show signs of a slowdown. Who can apply for HomeBuilder?

25.01.2022 **As we are entering a new Financial Year, I hope everyone is staying safe and well. Here is our 2020 July Newsletter. Hope this little article will add some value to you. And you are welcome to share with your family and friends if you find it is useful to them.** Australia’s cash rate is now the lowest it has been in 23 years, a reaction initially to stunted economic growth and now to the impact of COVID-19 on the local and global economic landscape. As the uncharted negat...ive interest rate zone looms, is it worth fixing your rate? Here’s what to weigh up when making your decision. The RBA has stood by its promise to keep the current rate of 0.25%, which still represents a historic low. RBA governor Philip Lowe has said that it’s highly unlikely that Australia will adopt negative interest rates, and would not lift the rate unless progress is being made towards full employment. Given it took more than a decade to get to full employment after the early 1990s recession, this could be the cash rate for some time. There was a time when fixed rates were higher, as they were more stable, and variable rates were seen as riskier and were priced lower. Only 15% of Australian mortgages are fixed. Currently, the lowest fixed owner-occupier rate offered by bank and non-bank lenders is 2.09%, compared to the lowest variable rate at 2.39%. In these uncertain times, the reassurance of a fixed rate might be preferable. Certainty on your interest rate means you can budget accordingly and you can remove potential interest rate hikes from your list of anxieties. In March, amid the rapidly escalating COVID-19 pandemic, the RBA made an emergency cash rate cut to 0.25%, which most banks have passed on to fixed rate loans but not variable loans. If you’re considering whether to fix your mortgage rate, here are some things to take into account. To fix

24.01.2022 The Second $66.1bn stimulus package: What it means to you? Yesterday the Federal Government announced its second business stimulus package. Here’s a snapshot of how you and your business might stand to benefit:

24.01.2022 QBE's latest Housing Outlook Report - capital city house prices forecast to rise According to the latest QBE Housing Outlook Report for 2019-2022, house prices across all capital cities are expected to stabilise over the coming year, before population growth and a downturn in new dwelling completions results in prices increasing. QBE’s research, produced in partnership with BIS Oxford Economics, predicts that after experiencing slowing growth or declines in median house pric...Continue reading

23.01.2022 BUDGET 2020: Following weeks of speculation, Frydenberg has announced tax cuts as part of Tuesday’s budget that has been deemed as the most important since World War II, with the expectation that it will crawl Australia out of the coronavirus-induced crisis. #budget #budget2020 #taxcut #Postcovid

23.01.2022 **10 TIPS FOR CHOOSING AN INVESTMENT PROPERTY** So, you’re thinking of buying your first residential investment property? There are a few things to consider before making the move. Here are our top 10 tips for avoiding potential difficulties and ensuring success. Know your goal...Continue reading

22.01.2022 **1st day of Spring, A season of hope and new beginning. Hope you are enjoying the warm sunshine and beautiful blossom with your family. Here is our 2020 Sep Newsletter. Hope this little article will add some value to you. And you are welcome to share with your family and friends if you find it is useful to them.** With record low interest rates, a flattening housing market and repeated assertions from RBA governor Philip Lowe that a rates rise is not on the horizon, this ma...y be the right time for first home buyers to strike. Following the August Reserve Bank (RBA) meeting, interest rates remain at 0.25% for August. As recently as July, RBA governor Philip Lowe reasserted that there has been no change to the board’s view that negative interest rates in Australia are extraordinarily unlikely. First home buyers looking at those low interest rates as well as government stimulus incentives, and a property market whose rise has been curtailed by COVID-19, may well be thinking the time is right to enter the market. Of course, making the call on home ownership should be based on personal financial circumstances as well as market ones. Here’s what to understand about the current environment if you’re deciding whether to take the leap into the housing market.

22.01.2022 ** Welcome to our 2019 Oct Newsletter. Please like and share if you find the article is useful to others. ** A new financial year can be a great time to set money goals, such as paying down a home loan. Paying off a mortgage early can save on interest, free up cashflow each month and help you enjoy all the benefits of a debt-free lifestyle. If reducing your mortgage debt is a key financial goal for FY20, here we provide some tips to kick-start your plan.

22.01.2022 Welcome back to our 2019 Feb Article. Please like and share if you find the article is useful to others. The amount you can borrow and the amount you should borrow are sometimes two very different things. Before you apply for a home loan, it makes sense to realistically assess your financial situation. Here’s how to do it...

22.01.2022 GRATITUDE HEALS, LIFE BEYOND FEAR- MARK MATHEWS (PROFESSIONAL BIG WAVE SURFER). #MARKMATHEWS #PROFESSIONALBIGWAVESURFE #GRATITUDE #GRATITUDEHEALS #LIFEBEYONDFEAR

21.01.2022 The coronavirus pandemic could cut demand for housing in Australia by between 129,000 and 232,000 dwellings over the next three years, research by a federal government agency shows. The National Housing Finance and Investment Corporation’s study found that population growth could be cut by 214,000 between 2019 and 2021, a 0.8% decline only surpassed by the first world war and the unwinding of the 1971 baby boom. This is the result of international border closures that have effectively shut down net overseas migration, which has accounted for 59% of population growth since 2007...

21.01.2022 The wisdom of a third-grade dropout will change your life. - Dr. Rick Rigsby Inspired? Get Rick Rigsby's book; Lessons From a Third Grade Dropout: http://amzn.to/2zf5P2x

21.01.2022 Former US Navy Admiral, William H. McRaven, conquers his day with this one small task in the morning Get inspired. Order his book, Make Your Bed: http://amzn.to/2ia1V7r

20.01.2022 Welcome back to the 1st Article in 2019. Please like and share if you find the article is useful to others.

20.01.2022 Kind words from lovely client!

18.01.2022 **First day of winter, hope everyone is keeping warm in this cold season. Here is our 2020 June Newsletter. Hope this little article will add some value to you. And you are welcome to share with your family and friends if you find it is useful to them.** Taking a short-term break from paying off your mortgage isn’t a new idea, but as the bite of the COVID-19 pandemic grips harder and harder, more Australians are applying to do so. With the RBA’s cash rate held at a record low... of 0.25%, what are the implications of pushing pause on your repayments? In some ways, you could say April’s decision just came a little early. The RBA made an out-of-cycle decision to drop the cash rate to 0.25% during an emergency March 19 meeting, and have held it there since. And after the May decision to hold, there’s been a lot of talk about this being the ‘new normal’ at least for now. So, with the Reserve Bank taking a break from cutting the interest rate, is it time for you to take a six-month break from your mortgage if your income has been hit by COVID-19? The ‘big four’ banks have led the way in offering the option, but there’s a number of things you need to consider before you make the choice. In March, all members of the Australian Banking Association offered small business customers the option of a reprieve from loan repayments. And in response, the Big Four banks offered the same to home loan customers impacted financially by COVID-19. Other lenders have followed suit, with varying conditions and eligibility requirements. But in most cases, if you have lost your job or income as a result of COVID-19 you should qualify. So, how does it work? Taking a ‘mortgage holiday’ as this process is sometimes called means your lender puts your home loan repayments on hold for up to six months, with a review of the situation after three. According to ‘big four’ bank NAB, one of their home loan customers with a typical Australian home loan of $400,000, taking a ‘mortgage holiday’ would mean having access to an additional $11,006 over six months or $1,834 per month. These changes offer our home loan customers the option to fix their rate at our lowest rate ever, or pause payments to help ease financial pressures, NAB CEO Ross McEwan said when announcing his bank’s policy on the pause in late March. And these changes are proving invaluable at a time when many are working less, or finding themselves stood down or unemployed. But hitting pause does come at a cost down the track making the choice to take a mortgage break doesn’t mean things just stop. What does it mean for my repayments? While you’re not required to make any repayments to the bank during the time you take a mortgage break, the principal loan amount will still accrue interest each month, adding to your outstanding loan balance...

18.01.2022 Government to hand out $25k grants for housing construction, renovations to bolster industry

18.01.2022 Time really flies by, can't believe that First quarter of 2021 FY is already over. Here comes our October Newsletter, please check it out. Hope this little article will add some value to you. And you are welcome to share with your family and friends if you find it is useful to them. #propertymarket #HomeLoans #InterestRate #property #propertymarketupdate #sunnyfinance #Covid

18.01.2022 ** Welcome to our 2019 Dec Newsletter. Please like and share if you find this article is useful to others. ** The RBA’s decision to hold on interest rates gives us time to take a deeper look at what is going on. After all, there could be further cuts. What drives the decision making? What could send rates lower? To cut or not... On the first Tuesday of each month, except January, the RBA board meets to decide if the cash rate the market interest rate for overnight loans between financial institutions should increase, decrease or stay the same.....

16.01.2022 Attention 1st home buyers The 1st 3000 spots available in the Morrison Government’s 1st home buyers’ scheme have been snapped up in just over a week. The tickets were 1st released midnight New Year’s Eve at the same time when Sydney harbour fireworks started. CBA confirmed that the tickets were 0 yesterday. NAB is not up and running yet. Next Month, another 5000 spots will be released. Please contact me asap to make a reservation to be on waiting list. First come First Serv...ed. Buying your 1st home with 5% percent deposit with No LMI (Lenders Mortgage Insurance),terms, conditions and eligibility applies. Sunny Finance 0424194688 ( CRN 486806;credit license No. 388404) #Firsthomebuyer #firsthomeloandepositscheme #Sunnyfinance #Heraldsun #HOmeloan #LMI #Morrisongovernment

16.01.2022 ***REFINANCING: WHAT YOU NEED TO KNOW*** Confused about the ins and outs of mortgage refinancing? There are two key considerations when you’re looking at taking the step why and how. Here, we examine both. A home loan is generally a long-term proposition, but in some situations it can be suitable to refinance your mortgage. Refinancing involves taking out a new mortgage and using those funds to pay off your existing mortgage. Doing it right could deliver significant financi...Continue reading

16.01.2022 Breaking News!!! RBA cuts its rate 0.25% to historical low 0.5% to support economic!

16.01.2022 Who Is Eligible For The $25,000 HomeBuilder Grant? Is the $25,000 HomeBuilder Grant open to everyone, or only first home buyers? The grant is available for new residential constructions and renovations by owner-occupiers, not just first home buyers....Continue reading

15.01.2022 ** Welcome to our 2019 Nov Newsletter. Please like and share if you find this article is useful to others. ** After all the talk, October’s decision by the Reserve Bank to cut rates didn’t come as a surprise. The RBA’s call sent the cash rate to a historic low of 0.75 per cent, the third cut inside six months. The call was the latest attempt by the RBA to drive economic growth, and while much of the current conversation surrounds just how low the RBA can go and how fast, there are some good ways for you to make the most of these new financial conditions.

15.01.2022 The JobKeeper wage subsidy will continue for another six months but at $1,200 a fortnight, while the coronavirus-inflated JobSeeker payment will continue for another three months at $800 a fortnight after September.

15.01.2022 I have been asked very frequently regarding the trend of the property market. Here is something that might be helpful to you :)

15.01.2022 Nothing is more rewarding than helping someone on a happy journey to their lovely home. (457 visa holder customers) Sunny Finance A brighter way to a home loan

15.01.2022 ** Welcome to our 2019 August Newsletter. Please like and share if you find the article is useful to others ** What is refinancing? Refinancing is the process of replacing an existing loan with a new one. When it comes to home loans, it means your existing home loan is paid off and replaced with a new one. This is different from a second mortgage, where you draw on the equity you have built up in your home.... How can it help me save?

14.01.2022 **Welcome to our 2019 April Article. Please like and share if you find the article is useful to others.** Ready to buy a property? You’ll need to show the seller you have enough money. For most people, this will mean getting a loan, and the first step to getting one is obtaining pre-approval for it. Pre-approval also known as conditional approval or approval in principle is an indication from a lender as to how much you can borrow. If you have pre-approval, vendors and agents know you’re serious about buying. Here are the steps you need to follow.

14.01.2022 Today is a Good Round day for Victorians. Cheers!

14.01.2022 ***TREAT YOUR INVESTMENT PROPERTY LIKE A BUSINESS AND YOUR TENANTS LIKE CLIENTS *** It’s important to look after the tenants in your investment property it encourages them to stay long term and take care of your property. So how can you keep your tenants happy? By treating your property like a business and your tenants like valued customers. The tenant as customer...Continue reading

14.01.2022 ***SMART TIPS FOR PAYING OFF YOUR HOME LOAN SOONER*** Wondering how to pay off your home loan sooner? We look at some things you could do. Australian home loan interest rates remain at historic lows, and the opportunities for paying off a mortgage early are better than ever. Used in conjunction with low rates, here are some extra steps that can speed up loan repayments and reduce your loan balance....Continue reading

13.01.2022 The RBA yesterday announced it would cut the cash rate to 0.75 per cent, reducing the cost of borrowing for the third time in five months. However,the big 4s are only passing on part of the cut. Lender Cuts Date effective CBA 0.13pc 22 October ANZ 0.14pc 11 October NAB 0.15pc 11 October... Westpac 0.15pc 16 October Macquarie 0.15pc 17 October Prime Minister Scott Morrison accused the big four of ripping off ordinary Australians by not passing on the full cut.

13.01.2022 ** Welcome to our 2020 Jan Newsletter. Hope everyone has had a lovely time spent with family and enjoyed a good break. Here is another wonderful year ahead, please like and share if you find this article is useful to others. ** Mortgage brokers, loan pre-approval, fixed versus variable rate loans, stamp duty, conveyancing..if you’re new to Australia, the language of home buying can seem mystifying. Here are some of the things you need to know to get yourself on the road to the great Australian dream. Keep in mind, however, that speaking with an expert is the best way to get the latest information...

13.01.2022 **Welcome to our 2019 March Article. Please like and share if you find the article is useful to others.** With the property boom of recent years and the popularity of TV renovation shows like The Block and House Rules, increasing numbers of Australians have been ‘buying to flip’ buying a property, renovating it and selling it at a profit. Buying to flip can be lucrative when property prices are rising rapidly, but is it still a viable option in today’s softer market? The answer is it can be. You will, however, need to:

13.01.2022 ***WHY SOME INTEREST-ONLY BORROWERS ARE KEEN TO SWITCH*** New government regulations mean interest-only loans are on the decline. Given the changes, it may be time to reconsider your own loan structure. Rewind a few years and many people would have confidently assured you that an interest-only loan a home loan on which you only have to make interest payments for a set period of time was the way to go. Its benefits were clear to many owner-occupiers and investors....Continue reading

13.01.2022 ** Welcome to our 2019 Sep Newsletter. Please like and share if you find the article is useful to others.** If you applied for a home loan in the current financial environment, your lender would probably assess your application in the context of both your credit score and your credit history on top of your income, assets, liabilities and living expenses. Your credit score is a number calculated by a credit-reporting agency, which compares you to other borrowers and categori...ses your credit risk profile. The higher your score, the lower your risk: i.e. you’re ‘less likely’ to record a default or bankruptcy on your credit file over the next 12 months. What’s changed?

13.01.2022 Another happy customeryay

12.01.2022 The Reserve Bank of Australia has cut official interest rates to a new record low of 1.25 per cent, injecting stimulus into a slowing economy as it looks to turn around sluggish employment, wages and inflation. The rate cut, just weeks after the May 18 federal election, marks the first time the RBA has used its central monetary policy lever in almost three years - the longest period of interest rate stability in Australian history.

12.01.2022 *IO investors slugged with 73 basis point rise!!* "The average interest only investment loans with a variable rate have shot up by 73 basis points due to rate m...ovements beginning last November. These figures, from the latest Reserve Bank of Australia (RBA) Statement on Monetary Policy released on Thursday (3 August), reveal this increase was caused by a double whammy of rate rises in November and again in June." It's time to sit down and chat to see if better to pay interest only or P&I in the long run! Give me a call if you would like to find out in your own circumstances.

11.01.2022 Hope everyone is keeping well. Here's our 2020 May Newsletter. Hope this little article add some value to your journey towards financial freedom. Please like and share if you find this is useful to others. It’s never a bad idea to have a little help managing your money and when you’ve got monthly mortgage repayments to make, balancing the books is extra important. There’s a great range of apps and tools designed to help you budget, save and track your finances. And we’ve pu...t together a list of some worth checking out. Budgeting and Tracking The formula is pretty simple. To balance your budget, you need to know how much you’re spending and what on. One great way to keep close tabs on your financial health on a daily basis is by using one or more apps and tools to help. Pocketbook describes itself as a personal assistant for your financial situation, and can be linked with your bank accounts, credit cards and loans. Once you’ve done that, it will automatically keep track of where your money goes, organising your spending into categories such as loan repayments, groceries, household bills and more. Moneytree gives you an overall picture of your financial situation; from your bank accounts, credit cards and digital currency wallets (think Bitcoin and the like) to your superannuation accounts and daily spending. The app also keeps track of loyalty points, such as Frequent Flyer points and store reward cards, so you know what you have, when they can be spent and if they’re about to expire. If you need something that helps you set rules as well as track spending, YNAB (You Need A Budget) has plenty of fans around the world. It’s designed to stop you living from payday to payday so you’re ahead of your bills and budgeting, not trying to catch up. The digital tool itself requires a yearly subscription, and that sign-up comes with access to online forums, guides and classes that will help you in the words of its creators give every dollar a job.

11.01.2022 ***HOW REDRAW WORKS AND WHY IT'S A HANDY LOAN FEATURE*** It’s one of the less glamorous home loan features, but the redraw facility deserves a second look. Here’s why: The redraw facility explained.... A redraw facility lets you make additional repayments to reduce your variable rate home loan balance and save on interest. If you pay more than your minimum scheduled repayments, then you’ll have money available to redraw from your home loan. The redraw facility is a common feature of many home loans. It’s not available, though, on construction loans and only some lenders allow it for fixed rate loans. You can redraw funds if, and when, they are needed, or you can keep the funds in your home loan to pay off your principal faster. The amount available for redraw is the difference between what you have paid and how much you were required to pay, less one month’s scheduled repayment. Accessing redraw You can check your loan account online to view your available redraw amount at any time. Alternatively, you can call your home loan customer care team and ask them to check for you. You can withdraw your funds from certain ATMs depending on your lending provider, but this may attract certain fees and come with restrictions on minimum amounts. What happens after using redraw? After you redraw money from your home loan, you continue to make your regular repayments as normal. However, be aware the interest component of the repayments you make will increase since you’re now paying interest on a higher loan principal amount. What are the benefits? Like an offset account, a redraw facility can help reduce the total interest paid on your loan and shorten the life of the loan. And, of course, when you need some cash it’s easily accessible. Depending on your lender, additional payments can be made at no extra cost and redraw funds can be accessed at any time. When comparing loans and choosing the option that best suits your financial needs, remember to consider the redraw facility. **This article provides general information only and may not reflect the publisher’s opinion. None of the authors, the publisher or their employees are liable for any inaccuracies, errors or omissions in the publication or any change to information in the publication. This publication or any part of it may be reproduced only with the publisher’s prior permission. It was prepared without taking into account your objectives, financial situation or needs. Please consult your financial adviser, broker or accountant before acting on information in this publication.** #SunnyFinance #Redraw #HomeLoan #InvestmentLoan #SaveMoney #LoanFeature

10.01.2022 **Welcome to our 2019 May Article. Please like and share if you find the article is useful to others.** The real estate market can be tough for young adults, but as a parent you may be able to lend a helping hand. We tell you how. 1.Parent-to-child loan... A parent-to-child loan is when a parent lends their child money. This is a formal, legally binding arrangement, administered by an independent third party. At the start of the loan period, both parties agree to terms including repayment amounts, a schedule and a process to manage defaults.

10.01.2022 **BREAKING NEWS** ANZ has just announced that they will amend their assessment rate from 7.25% to 5.5% and their Sensitivity Margin from current 2.25% to 2.50%. Effective 15 July 2019. You could potentially borrow $100,000-$200,000 more with the same income you have. Terms and conditions may apply, please give me a call to discuss your new borrowing ability.... ANZ is the first one who jumped on the servicing rate, other banks will be sure to follow shortly. Stay Tuned! SUNNY FINANCE 0424194688

10.01.2022 **Family planning: Applying for a home loan with a baby on the way** A new baby completely changes your life. Are you also prepared for how a new baby might affect your chances of buying a home? Here are some things to consider before you submit your application...

10.01.2022 BREAKING NEWS 5 September 2017 2:30 PM RBA makes September cash rate call The Reserve Bank board has made its monthly decision as to whether hold, raise or cut the official cash rate Read full story

09.01.2022 We care so much about the health and integrity of our body that until death, we don’t notice that the body is nothing more than a boxa parcel for delivering ou...r personality, thoughts, beliefs and intentions to this world. If there is nothing in this box that can change the world, then it doesn’t matter if it disappears. I believe that we all have potential, but it also takes a lot of courage to realize it. See more

08.01.2022 The federal government had handed down one of the most anticipated budgets in history, outlining its plans to help the country rebuild post-coronavirus, despite also revealing the grimmest economic conditions since the Great Depression. Here’s a breakdown of what’s in store for small and medium businesses. #budget #Budget2020

08.01.2022 Another happy client! Thanks for your trust and referring me new clients already!

07.01.2022 ** Welcome to our 2020 February Newsletter. Please like and share if you find this article is useful to others. ** Australian interest rates are at a record low, in part because global rates are also at or near historic lows. While the goals of the RBA’s monetary policy are domestic, international factors often influence local decisions. Several signs over Christmas and the new year pointed to the Reserve Bank of Australia cutting rates to a new record low. But an unexpected and welcome drop in the unemployment rate to a nine-month low of 5.1 per cent appears to be a big factor in the decision to hold rates at 0.75%.

07.01.2022 Thanks for the nice words, Anny!

07.01.2022 Finally the great news came through today. Stay tuned for the banks announcing their new assessment rates very soon! And let's hope it's no more than 2.5% over the actual loan rate https://www.apra.gov.au//apra-finalises-amendments-guidanc

06.01.2022 Another happy customer

05.01.2022 As widely anticipated, the announcement included bringing forward personal income tax cuts already legislated. Together, these changes deliver tax relief to low- and middle-income earners for the 2020-21 income year of up to $2,745 for individuals and up to $5,490 for dual income families. The Treasurer also announced a range of taxation benefits for small and medium businesses, intended to stimulate the business sector leading to jobs growth. This summary provides coverage of the key issues of most interest to you...

04.01.2022 Another happy customer Thanks for the trust in me! Sunny Finance A brighter way to a home loan

04.01.2022 ** Welcome to our 2019 June Article. Please like and share if you find the article is useful to others. ** Buying property with other people: Mine, yours or ours? When people buy property together, particularly if it’s with a partner or spouse, they often register the title in both people’s names especially if they’re going to live in the property.... But other arrangements are possible, several friends might opt to own individual shares in a property, for example, or a couple might choose to have only one of their names on an investment property title. The following information provides you with a good starting point to help you on your way. Also, tax legislation and other Australian laws governing property ownership and investment are complex, so seek proper legal and financial advice before entering into any arrangement.

04.01.2022 What a presentation, enjoyed and learnt so much from our Hon Julie Bishop today. Thank you so much for sharing your life experiences and your wisdom. You are such an elegant lady, a beautiful person and an inspiring leader. Thanks to Suncorp for organizing this event (Importance of leadership in crises with the Hon. Julie Bishop). Looking forward to more to come.

04.01.2022 Another Happy customer - foreign buyer!

03.01.2022 Got my office back in late March. CoVid-19 came straight after it. Finally got signage up at the entrance door today. There are still too much to do!

03.01.2022 Fantastic news for 1st home buyers!

03.01.2022 #Budget2020 #TaxCuts Explained in 11 Seconds.

03.01.2022 Today's Finance News: Up to $4000 refinance cashback for your 1st property refinance, A $2,000 Refinance Cashback will be paid for EVERY property refinance after that. A reputable bank just announced this new promotion this morning.Terms and conditions apply, please call me on 0424194688 for further details. #Refinance #Cashback #sharprates #PerProperty #FinanceNews #sunnyfinance #CashRebates #Reputable #Bank #NewPromotion

03.01.2022 It’s R U OK day today, and we want to encourage you all to open your hearts and start the conversation. Huge thanks to R U OK Day for inspiring us at Tyro to ask the question today. Have you got what it takes?

02.01.2022 ** Welcome to our 2020 April Newsletter. Please like and share if you find this article is useful to others. ** If you are concerned about servicing your loan, reach out to your local mortgage broker for help. As Australians everywhere take a close look at their financial circumstances, mortgage brokers stand ready to lend a helping hand. Whether experiencing financial hardship through job loss, a reduction in work hours, or business disruption, an increasing number of Australians may be struggling to balance their books as a result of the Coronavirus, and in many cases are wondering how they will continue to pay the bills.

01.01.2022 ** Welcome to our 2019 July newsletter. Please like and share if you find the article is useful to others.** Did you know about non-bank lenders? Deciding where to go for your home loan is one of the most important decisions you’ll make. While many prospective property owners will choose to use a mainstream lender, non-bank lenders also have their advantages.... What are non-bank lenders? Essentially, a non-bank lender is a lender that’s not a bank, credit union or building society. It has its own source of funds, which it lends out with a margin for profit. A non-bank lender may also be a company or individual who borrows money from a bank at wholesale rates and then lends the money with a profit margin added. Most mortgage brokers work with both banks and non-bank lenders. Potential benefits of a non-bank lender

01.01.2022 ***FIXED, VARIABLE, SPLIT-FIND THE RIGHT FIT FOR YOU*** In Australia, there are a number of ways to structure your home loan repayments. Finding the best option may save you time and money on your mortgage. Here is some information to help you choose the repayment structure that works best for you. Variable rate loans...Continue reading