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Home Loans
What is Lender's Mortgage Insurance?Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.
Mark Bristow -
18 Mar, 2024 -
4 min read
Home Loans
How do you avoid Lender's Mortgage Insurance?Lenders Mortgage Insurance (LMI) can make a big impact on your mortgage budget if you plan to borrow with a low deposit. Whilethere are several options available to avoid LMI, some may better suit some borrowers more than others.
Mark Bristow -
18 Mar, 2024 -
6 min read
Home Loans
Big banks vs small banks for mortgagesChoosing your mortgage provider can sometimes involve as much research as locating your ideal property. After all, you wouldn’t purchase the first property you saw without looking inside, so why would you treat your mortgage this way?
Alex Ritchie -
05 Mar, 2024 -
6 min read
Home Insurance
What home insurance do I need for an apartment?Many apartments are already covered by strata insurance, so you may not need to apply for a traditional home insurance policy to cover damage to the property. However, strata insurance may not always offer the cover you need. If you’re one of the 10% of Australians who live in apartments, it could be worth comparing contents insurance policies and other options.
Mark Bristow -
26 Apr, 2024 -
4 min read
Home Insurance
What types of home insurance are there?Home and contents insurance are often mentioned in the same breath, and many insurance providers sell them as a package deal, but they are two different types of insurance that cover two different things. Whether you’re an owner occupier, a tenant or an investor, it’s important to know you’re covered with the right kind of home insurance - in fact, having insurance may be a requirement of your mortgage.
Mark Bristow -
22 Feb, 2024 -
4 min read
Home Insurance
Renting out a room in your home: Are you insured?Renting out a room in your home can be beneficial in a number of ways - it can help you earn extra income to put towards household bills or mortgage payments, and it can even be a way to make use of a space that’s sitting dormant. That said, if you are considering becoming a landlord, even on a small scale, then it’s important to understand the legal requirements and the workings of the rental market, as well as how renting out a room could potentially affect your home and contents insurance.
Mark Bristow -
09 Feb, 2024 -
5 min read
Credit Score
Four habits to keep your credit score top notchBeing mindful of your financial habits can make a big difference to how easy or hard it is to keep your credit score at the top end of the band. Here are four of the top ways to maintain or grow a good credit score:
Mark Bristow -
15 Feb, 2024 -
4 min read
Credit Score
How good debts and bad debts can affect your credit scoreIs there such a thing as 'good debt' and what could it mean for your financial future?
Mark Bristow -
16 Feb, 2024 -
4 min read
Credit Score
How does mortgage affect credit score, and credit score affect mortgages?When buying a home you may wonder how your mortgage affects your credit score. Check your credit report to know how a mortgage affects your credit score.
Jodie Humphries -
21 Oct, 2023 -
5 min read
Superannuation
Can you use super to pay your mortgage?It is possible to use the money in your superannuation fund to help cover the cost of your mortgage in certain circumstances, such as if you’re retiring or are in financial hardship. However, accessing your super fund early can make a big difference to your retirement lifestyle.
Mark Bristow -
21 Jul, 2023 -
4 min read
Car Loans
Will my car loan affect my mortgage application?A car loan may positively or negatively affect your mortgage application. Successfully managing your car loan repayments could help improve your credit score, which may make a better impression on mortgage lenders. But if your car loan would push your debt-to-income ratio too high, a lender may be less likely to approve your mortgage application.
Mark Bristow -
07 Nov, 2023 -
7 min read
Home Loans
A tale of two cities: offset balances hit a new record high as arrears climbThe latest APRA data shows money in offset accounts hitting a record high, while mortgage arrears continue to climb.
Eden Radford -
13 Mar, 2024 -
5 min read
Home Loans
NAB overhauls advertised rates on its discounted variable mortgageNAB, Australia’s third largest lender, has dropped the advertised rates on its discounted variable home loan, in a strategic move by the bank on how it markets its prices.
Eden Radford -
15 Apr, 2024 -
3 min read
Home Loans
Are cashback deals worth it?While the idea of pocketing a couple thousand dollars for switching your mortgage might sound appealing, it’s important to understand there are a number of different factors that go into choosing a loan.
Eden Radford -
26 Mar, 2024 -
4 min read
Credit Cards
Financial stress on the rise – what can you do about it?More Australians may be turning to credit cards to help manage their household expenses, according to a new report. With the cost of living putting pressure on many budgets, what can you do to better manage your credit?
Mark Bristow -
02 May, 2024 -
4 min read
Credit Cards
CBA cuts 11 interest-free days from its rewards cardsAustralia’s biggest bank, CBA, has decreased the number of interest-free days available on its rewards cards in the latest credit card shakeup.
Eden Radford -
01 May, 2024 -
4 min read
Savings Accounts
Some of the top-rated savings accounts in March 2024How big a difference does your savings account interest rate really make? You may be surprised by the effect that a high-rate savings account could have on your wealth, depending on your saving strategy. Just make sure that the account you choose is one that suits your needs and can help you reach your goals.
Mark Bristow -
15 Mar, 2024 -
3 min read
Savings Accounts
Australians sitting on $1.47 trillion in deposits - another record highMoney in the bank from households hit another record high in March, with new figures from APRA revealing Australians stashed more than $8.2 billion in the bank in just one month.
Eden Radford -
30 Apr, 2024 -
4 min read
Home Loans
ING Mortgage Simplifier | RatecityCompare ING and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
LCU Intelligent Mortgage | RatecityCompare LCU and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Select Home Loan | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
LCU Property Investment Mortgage | RatecityCompare LCU and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Select Fixed Home Loan | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Pacific Mortgage Group Fixed Home Loan | RatecityCompare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Select Investment Loan | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Essential Options Prime | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Essential Options Alt Doc | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
RACQ Bank Mortgage Saver Home Loan (QLD only) | RatecityCompare RACQ Bank and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Executive Saver Home Loan | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage - Fixed Home Loan | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
The Capricornian Mortgage Plus Home Loan | RatecityCompare The Capricornian and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Resi Mortgage Select Fixed Investment Loan | RatecityCompare Resi Mortgage and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage Standard Home Loan | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage - Fixed - Investment | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage Investment Home Loan (Special) | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House The Essentials Low Rate Home Loan | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage - Fixed - Investment (Special) | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage Home Loan (Essential) | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Low Rate Advantage Essential Investment Loan | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Mortgage House Advantage - Fixed Home Loan (Special) | RatecityCompare Mortgage House and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
QBANK Line of Credit - Mortgage Secured Overdraft | RatecityCompare QBANK and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Pacific Mortgage Group Construction Home Loan | RatecityCompare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Regional Australia Bank Mortgage Overdraft | RatecityCompare Regional Australia Bank and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Pacific Mortgage Group Investment Fixed Home Loan | RatecityCompare Pacific Mortgage Group and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Central West Credit Union Mortgage Smart Home Loan | RatecityCompare Central West Credit Union and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read
Home Loans
Regional Australia Bank Mortgage Offset Home Loan | RatecityCompare Regional Australia Bank and other Home Loans products at RateCity, Australia's leading comparison site
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09 Aug, 2023 -
0 min read