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  1. Made your New Year financial resolutions?
    03 Jan, 2017
    Made your New Year financial resolutions?
    Do you want 2017 to be different? THEN START TODAY! It’s that time of the new year again… so here are our TOP TEN TIPS to help YOU achieve your financial goals in 2017. Follow them through and this might be the year that makes a BIG difference to your financial future! 1. Revisit or redo my budget Email us for our budget organiser to help you get started! 2. Save 10% of my earnings Direct debit into a separate higher interest savings account to avoid unnecessary or emotional spending
  2. Top 15 ways to OWN your home sooner
    22 Dec, 2016
    Top 15 ways to OWN your home sooner
    Before taking action on any of the below ‘Top 15 Ways’, we recommend you speak with a finance specialist.  Call the office on 5022 2923 for more information on any of these 15 suggestions. Sunraysia Home Loans - 128 Lime Avenue Mildura - It's where intelligent people go for loans -
  3. First home buyer?? Step on through to your new home.....
    22 Aug, 2016
    First home buyer?? Step on through to your new home.....
    Buying your first home is an exciting time. It can also seem complex and confusing. First home buyers (FHBs) often find themselves dealing with financial and legal processes outside their experience to date. Regardless of whether your first foray into property is a small bolthole that removes you from the rental treadmill, an investment property or a family home, the process to purchase is much the same. Before you take the leap into property you should have done your homework and created a
  4. Life after child support....
    06 Jul, 2016
    Life after child support....
    Divorce or separation can inflict a heavy toll – both emotionally and financially. After a few years of living apart and managing your new financial arrangement you tend to survive – somehow. But there does eventually come a time when the child support either stops coming in or stops going out… This can occur in many ways, some known and some unexpected when: Your child/children turn 18 Your ex-partner’s income/assets decrease or they are made redundant Your income/assets increase Your ex has
  5. Can you pay a property deposit with NO cash outlay?
    22 Jun, 2016
    Can you pay a property deposit with NO cash outlay?
    We recently heard about the case of a couple who were keen to take advantage of a property investment but their available cash was tied up elsewhere. So what happened? Without immediate access to their cash to pay the deposit it seems they (sadly) missed out on the opportunity. That was no doubt a real blow for them, however their case got us thinking about possible solutions to this dilemma. Q. How can I pay a deposit if my cash is tied up elsewhere? There could be several reasons why a
  6. Parents - DONT help your kids
    06 Jun, 2016
    Parents - DONT help your kids
    The trend for Gen Y's to stay at home well into their 20s – and beyond – is having a significant knock on effect: a generation of adults lacking financial skills and parents looking at working well into their 70s to make up for the additional expense of kids at home. This type of arrangement can be a great financial advantage for Gen Y KIPPERS (Kids In Parents’ Pockets Eroding Retirement Savings) who may be saving $15,000 per year on rent alone by living with their parents1. For mum and dad
  7. 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
  8. 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
  9. 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
  10. Getting ahead financially through debt consolidation
    14 Apr, 2016
    Getting ahead financially through debt consolidation
    Generally your home provides the best opportunity to secure the most cost effective debt available in any given market. As your home is used as security against the loan, it provides the lender with additional confidence to lend money to you and at a lower interest rate than a credit card or personal loan. Credit cards, store loans and personal loans are provided without security and therefore lenders charge much higher rates of interest. The reason for this is, in the event of your defaulting
  11. Borrowing Power
    06 Apr, 2016
    Borrowing Power
    How a simple change can improve your borrowing capacity Are you interested in entering the property market or upsizing your existing home? Does it seem to be just out of your reach? Many of our clients are keen to understand what influences their borrowing power. If you know how you can improve your borrowing capacity you may be a step closer to your next home or investment property. Ultimately, all lenders look at your ability to service the loan. To determine this they look at a number of
  12. 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
  13. 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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