TOSRI-financial

05/01/2026

31/12/2025

We sincerely thank you for your continued support and trust. Happy New Year 2026

27/12/2025

Official cash rates in 2025, will the rate rise in 2026?

23/12/2025

Dear friends and family,
Enjoy Christmas and New year

11/12/2025

Who wants a better interest rate in 2026?
As a finance broker we say that if people want a better deal on their mortgage, there are basically two options:
1. Call your bank and ask them to match the new rate, or
2. Contact your broker and vote with your feet.

And although the first option is commonly recommended, lenders aren’t always so obliging when it comes to rate-matching to get you a more affordable mortgage.
“As an existing client, it can be disheartening to see your bank offer new customers a lower rate to the one you currently have.
“Lenders regularly try to ‘win’ new customers by offering low rates. It is a great acquisition strategy.
“But if they refuse to match your current rate to this new offer, you can always us and we will refinance with a lender who is hungry to win your business.”

09/12/2025

At today's meet the RBA has held the cash rate unchanged at 3.60%

19/11/2025

As shown in Today's sunrise!

04/11/2025

Today, the RBA announced its decision to keep the official cash rate on hold at 3.60%.
There were three rate cuts this year so it's worth checking that your loan is still competitive. We can compare the rates for you, email us at [email protected] to get started.

20/10/2025

Happy Dipawali and chatt parba

06/10/2025

✅Investing in a holiday house? Location is everything
Before you take the leap into a holiday-home investment, it’s essential that you consider all angles. This means taking your heart out of the equation and giving thought to rental returns.
✅In fact, location has a great deal to do with the success of your investment property if you will be renting it as a holiday destination.
✅While it would be great to have a holiday-home investment where you would prefer to travel to, when investing it’s important to also consider what locations and niche markets have good rental returns.
✅You need to make sure that your property location matches up with market demand. Things to consider are travel time and expense, rent rates, local attractions and activities – particularly those available year-round, not just in peak times.
✅For example, busier coastal suburbs may offer more consistent rental returns than quieter peripheral suburbs that may be popular only in peak holiday seasons.
✅Deciding whether the investment holiday property you want will be as lucrative as you think often requires the advice of an expert, particularly for investors who aren’t as familiar with the area as residents may be, so investors would be well served to seek advice instead of taking a gamble.