Just cannot fathom what is happening with Google results

I have a website http://www.peachhomeloans.com.au  which has been around since 2000 and like many sites it took hits from Panda and Penguin but I have done all I can to fix this including disavowing about 20 domains.  The site contains around 500 pages of unique, quality content ( I wrote most of it) and has good backlinks.  

The business is a home loan mortgage broker in Australia - so for keyword "australian mortgage broker"   we are in 6th place - "mortgage broker australia" 13th place.  This suggests things are working fine and  that there are no SEO penalties being applied to site ... agree?  Certainly no alarms in Webmaster tools etc.

How come for the past 12 months for any string including "home loan" I struggle to get in the first 50.  Today I checked "home loan australia" and we are 59th  ...AND YET have a look at http://www.myhomeloan.com.au/   ... this site is 15th  -  the home page includes a full page duplication of an article from http://www.news.com.au/ and not much else.  It looks cheap and its content is paper thin.  How can this be?    Years of work and thousands of dollars and we get whacked by cheap rubbish. 

Where am I going wrong - I am desperate for ideas.

Thanks

Andrew

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