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Scott Howell - Finance Broker Buying your family home, refinancing or looking to invest? Impact Mortgage Brokers are here to help.
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Sean is a superstar at all things SharePoint and Digital security
21/10/2026

Sean is a superstar at all things SharePoint and Digital security

💻 𝗛𝗢𝗪 𝗠𝗨𝗖𝗛 𝗧𝗜𝗠𝗘 𝗗𝗢𝗘𝗦 𝗬𝗢𝗨𝗥 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗪𝗔𝗦𝗧𝗘 𝗟𝗢𝗢𝗞𝗜𝗡𝗚 𝗙𝗢𝗥 𝗙𝗜𝗟𝗘𝗦?

Tired of working on a document, only to discover that someone else has a newer version?

Documents saved across different computers or in individual employees' OneDrive accounts, multiple versions of the same file, endless emails going back and forth, and team members struggling to find the information they need.

It all wastes valuable time, creates unnecessary frustration and fills inboxes with duplicated attachments that consume storage space.

𝗦𝗼𝘂𝗻𝗱 𝗳𝗮𝗺𝗶𝗹𝗶𝗮𝗿?

This Friday at 𝗕𝗡𝗜 𝗬𝗮𝗿𝗿𝗮 𝗩𝗮𝗹𝗹𝗲𝘆, our 10-minute Featured Presenter is 𝗦𝗲𝗮𝗻 𝗢'𝗦𝘂𝗹𝗹𝗶𝘃𝗮𝗻 from 𝗔𝗱𝘃𝗮𝗻𝗰𝗲𝗱 𝗖𝗼𝗺𝗽𝘂𝘁𝗲𝗿 𝗖𝗮𝗿𝗲, who will be giving us a practical introduction and tutorial on 𝗠𝗶𝗰𝗿𝗼𝘀𝗼𝗳𝘁 𝗦𝗵𝗮𝗿𝗲𝗣𝗼𝗶𝗻𝘁.

SharePoint is part of the Microsoft 365 ecosystem and is already included in many Microsoft 365 business subscriptions.

When set up correctly, it can help businesses organise documents, share information, manage access securely and collaborate more effectively.

And there's no need to keep remotely connecting to that one PC at work just to access shared drives, only to discover the drive mappings have disappeared again!

Whether you're working independently, managing a growing team or already using Microsoft 365, understanding what SharePoint can do could make a real difference to how you manage information in your business.

Sean and Advanced Computer Care have been helping small and medium-sized businesses with their technology needs for more than 20 years, providing practical IT solutions that support the way businesses operate.

𝗪𝗛𝗬 𝗡𝗢𝗧 𝗕𝗘 𝗜𝗡 𝗧𝗛𝗘 𝗥𝗢𝗢𝗠 𝗧𝗛𝗜𝗦 𝗙𝗥𝗜𝗗𝗔𝗬?

Along with hearing Sean's presentation, you'll have the opportunity to introduce your own business and meet other business owners who understand the value of building relationships and generating referrals.

Our members come from 𝗬𝗮𝗿𝗿𝗮 𝗩𝗮𝗹𝗹𝗲𝘆 𝘁𝗼 𝗥𝗶𝗻𝗴𝘄𝗼𝗼𝗱 𝗮𝗻𝗱 𝗲𝘃𝗲𝗿𝘆𝘄𝗵𝗲𝗿𝗲 𝗶𝗻 𝗯𝗲𝘁𝘄𝗲𝗲𝗻.

𝗔𝗟𝗟 𝗕𝗨𝗦𝗜𝗡𝗘𝗦𝗦 𝗢𝗪𝗡𝗘𝗥𝗦 𝗔𝗥𝗘 𝗪𝗘𝗟𝗖𝗢𝗠𝗘 𝗧𝗢 𝗩𝗜𝗦𝗜𝗧!

📍 𝗬𝗲𝗿𝗶𝗻𝗴 𝗠𝗲𝗮𝗱𝗼𝘄𝘀 𝗚𝗼𝗹𝗳 𝗖𝗼𝘂𝗿𝘀𝗲
⏰ 𝗙𝗿𝗶𝗱𝗮𝘆 | 𝟲.𝟰𝟱𝗮𝗺

𝗠𝗲𝘀𝘀𝗮𝗴𝗲 𝘂𝘀 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗿𝗲𝗴𝗶𝘀𝘁𝗿𝗮𝘁𝗶𝗼𝗻 𝗹𝗶𝗻𝗸 so we can confirm catering numbers.

Follow 𝗕𝗡𝗜 𝗬𝗮𝗿𝗿𝗮 𝗩𝗮𝗹𝗹𝗲𝘆 to stay informed about upcoming presentations and opportunities to connect with local business owners.

Think you’re trapped in your current home loan because rates have gone up? Not necessarily.A lot of borrowers assume:“My...
09/10/2026

Think you’re trapped in your current home loan because rates have gone up? Not necessarily.

A lot of borrowers assume:

“My lender’s rate is too high… but I probably can’t refinance now.”

Sometimes that’s true.

But sometimes there’s another angle worth knowing about:

the 1% refinance buffer

In simple terms, some lenders may assess certain refinance applications using a smaller servicing buffer than the standard one used for new lending.

That can matter a lot.

Because if you’re currently paying a home loan at a high rate and feeling boxed in, a lower refinance assessment buffer may help some borrowers show they can still afford the new loan.

What this can potentially help with:

moving away from an uncompetitive rate

improving monthly cash flow

reviewing loan structure

escaping the “I’m stuck here forever” feeling

But a few important caveats:

it won’t apply to everyone

not every lender offers it

you still need to meet the lender’s other credit criteria

it’s not a magic loophole — it’s just one potential pathway

So the message here is simple:

Don’t assume you’re stuck without checking first.

Because sometimes the difference between “no chance” and “actually, maybe” comes down to understanding lender policy properly.

🚨 WELL… THIS IS AWKWARD.The Big 4 banks have actually agreed on something. 😅🏦 CBA: RATE RISE🏦 Westpac: RATE RISE🏦 NAB: R...
24/09/2026

🚨 WELL… THIS IS AWKWARD.

The Big 4 banks have actually agreed on something. 😅

🏦 CBA: RATE RISE
🏦 Westpac: RATE RISE
🏦 NAB: RATE RISE
🏦 ANZ: RATE RISE

All four are now forecasting the RBA will increase the cash rate by 0.25% next Tuesday, taking it from 4.35% → 4.60%.

And ANZ is feeling particularly spicy 🌶️ — with another potential increase also on its radar for November.

Why the sudden change?

Inflation is still proving stubborn, while higher energy costs and stronger-than-expected economic data have added to concerns that price pressures aren’t disappearing as quickly as hoped.

But remember…

🔮 A bank forecast is still just a forecast.

The RBA makes the decision — not the economists predicting it.

So rather than trying to perfectly time the market, this is a good reminder to know:

✅ What rate you’re currently paying
✅ What another increase would mean for your repayments
✅ Whether your loan structure still suits you
✅ Whether there are more competitive options available

Because crossing your fingers unfortunately isn’t an approved home loan strategy. 😂

RBA decision: Tuesday 29 September.

Address

126 Long View Road
Croydon South, VIC
3136

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 10am - 6pm

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+61435474498

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