Below is an update from our Mortgage Brokers. Please feel free to phone Michael or  Danny to set up a free health check on your mortgages and loans. With kind regards Ivan Kaye Join Me on LinkedIn http://au.linkedin.com/in/ivankayebsi  Fixed rates are continuing to drop! Over the past few weeks, we have seen fixed rates continue to decrease. At the moment we can source a 3 year fixed rate as low as 6.95%.  With the fixed rate moving closer to the variable rate, there has never been a better time to review your current home loan structure and try and lock in some certainty in the coming 3 years. We have also seen credit policy loosen slightly with banks beginning to increase their current Loan to Value Ratios from 90% to 95%, and we believe this is symptomatic of increasing confidence and competition amongst lenders. As always, we are here to discuss all of your home buying, investment and refinancing need. Please do not hesitate to contact us to discuss your options further. Looking forward to assisting you soon. Best regards Michael and Danny

Michael Luca and Danny Luu Mortgage Brokers Level 1 34 Hunter Street, Sydney NSW 2000 PO Box 54, Millers Point NSW 2000 P: +61 2 9290 2777 D: +61 2 9216 4023 F: +61 2 9262 5788 E: michael.luca@liquidityfinance.com.au or danny.luu@liquidityfinance.com.au