Sunrise Financial Brokers

03/11/2026

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we can help you rein in your interest rate. 🐎

Mortgage holders are once again left holding the bag on Melbourne Cup Day with the RBA lifting the cash rate to 4.85%, its highest level in 18 years. If your repayments are starting to bite, here’s how we could help you rein in your interest rate. Following hikes in February, March, May and Septem...

03/11/2026

𝗧𝗵𝗲 𝗜𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝗰𝗲 𝗼𝗳 𝗟𝗼𝗮𝗻 𝗦𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲 𝗳𝗼𝗿 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗜𝗻𝘃𝗲𝘀𝘁𝗼𝗿𝘀

Loan structure is often more important than the interest rate itself.

Offset accounts, redraw facilities, loan splits, and the way deposits are funded can all impact tax outcomes and flexibility. Poor structure can limit borrowing capacity later or create complications when refinancing or purchasing additional properties.

For investors planning to build a portfolio, thinking beyond the first purchase is essential. The right structure today can make future growth far easier.

03/11/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮 𝗨𝘀𝗲𝗱 𝗖𝗮𝗿? 𝗛𝗲𝗿𝗲’𝘀 𝗪𝗵𝗮𝘁 𝘁𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗻𝗴

Used cars can be a great way to save money — but financing them requires a bit of know-how.
While interest rates on used cars can be slightly higher than new cars, the overall cost is often lower, especially if you choose a reliable model with a solid history.

Here’s what to consider before signing a loan:
• Get a pre-purchase inspection
• Compare loan options (banks vs. brokers vs. dealerships)
• Avoid overextending your loan term just to lower repayments

At the end of the day, the best loan is one that suits you — not just the car.
If you’d like tailored advice, our team can help you explore flexible car loan options that fit your lifestyle and budget.

02/11/2026

🏆 Here's a new ‘personal best’ we’re proud of 🙌 🏆⁣
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What a milestone for the mortgage broker industry! 🎉⁣
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Brokers now write almost 82% of new home loans, highlighting the valuable role they play in helping Australians find the right home loan for their needs (MFAA stats).⁣
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Call us to see why more Australians are partnering with a broker. 👇⁣
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To find out more, DM us or contact on:

☎️ – 07 4448 7622
💻 – [email protected]

02/11/2026

𝗗𝗲𝗽𝗼𝘀𝗶𝘁𝘀 & 𝗟𝗩𝗥𝘀 𝗳𝗼𝗿 𝗘𝘅𝗽𝗮𝘁𝘀

Most expat borrowers are required to contribute a larger deposit than resident Australians.
Typical scenarios include:
• 70–80% LVRs
• Higher rates above 70%
• Fewer lenders at higher LVRs

Planning for deposit requirements early allows expats to structure savings, equity, or gifting strategies effectively.

01/11/2026

𝗕𝘂𝘆𝗶𝗻𝗴 𝗮𝗻 𝗔𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁 𝘃𝘀 𝗮 𝗛𝗼𝘂𝘀𝗲 – 𝗟𝗲𝗻𝗱𝗶𝗻𝗴 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝗰𝗲𝘀 𝗘𝘅𝗽𝗹𝗮𝗶𝗻𝗲𝗱

Apartments and houses are assessed differently by lenders.

Factors include:
• Size
• Location
• Building type

Understanding these differences helps buyers avoid surprises late in the process.

31/10/2026

Finding the right home loan, will have you dancing!

31/10/2026

𝗙𝗶𝗿𝘀𝘁 𝗛𝗼𝗺𝗲 𝗕𝘂𝘆𝗲𝗿 𝗠𝗶𝘀𝘁𝗮𝗸𝗲𝘀 𝗧𝗵𝗮𝘁 𝗖𝗮𝗻 𝗗𝗲𝗹𝗮𝘆 𝗼𝗿 𝗗𝗲𝗿𝗮𝗶𝗹 𝗔𝗽𝗽𝗿𝗼𝘃𝗮𝗹

Common mistakes include:
• Changing jobs mid-application
• Taking on new debts
• Making large unexplained purchases

Small actions can have big impacts during the approval process.

30/10/2026

𝗪𝗵𝘆 𝘁𝗵𝗲 𝗖𝗵𝗲𝗮𝗽𝗲𝘀𝘁 𝗥𝗮𝘁𝗲 𝗜𝘀𝗻’𝘁 𝗔𝗹𝘄𝗮𝘆𝘀 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗟𝗼𝗮𝗻

Chasing the lowest rate can sometimes lead to:
• Limited features
• Reduced flexibility
• Higher long-term costs

Loan structure, features, and suitability matter just as much as the rate itself.

30/10/2026

🌸 Spring home buying season is here! 🌸

The days are warmer, longer, and gardens are in bloom.

We’re in the busy Spring selling season!

This can put home buyers in the hot seat as fresh listings hit the market.

DM us today to explore first home buyer concessions and loan pre-approval! 👇

To find out more, DM us or contact on:

☎️ – 07 4448 7622
💻 – [email protected]