Asking for a rate cut: how to negotiate a better home loan rate

If you don't ask you don't get. If you are unhappy with your current home loan it's perfectly acceptable to approach your lender and ask for a better rate.

Does applying for a credit card affect your credit rating?

Applying for your first or next credit card is an exciting process. However, it’s worth knowing the potential risks involved, particularly for your credit score.

What is lending criteria? The factors that may impact eligibility criteria

By understanding the eligibility criteria for mortgage approval before applying for a home loan, you can increase the chances of your application getting over the line.

How soon after paying off my last personal loan can I get another loan?

Can you take out a personal loan while you’re still paying one off? How soon after paying off your last personal loan can you apply for a new personal loan? Let’s explore these scenarios today.

How can I calculate my car insurance premium?

Every insurer has its own metrics and algorithms for calculating your car insurance premium, but you can compare car insurance calculations.

How is Afterpay different to a credit card?

Afterpay is different to credit cards in several ways, including its fees and costs, rewards and perks, and application process.

What happens to my car loan if my car is written off?

It’s every driver’s worst nightmare; getting into an accident so severe your car is written off. But what happens to your car loan if the vehicle is a write off?

What is cash-out refinancing, and how does it help you?

Whether you want to renovate a home, pay for a wedding or make some new investments, if you need some extra cash, you could consider leveraging the equity in your home. This is also known as cash-out refinancing, and it’s a competitive option for some homeowners to consider.

What is the average mortgage on a million-dollar home?

The average mortgage repayments on a million-dollar home will depend on the amount of money you’ve saved for a deposit, as well as the interest rate offered on the home loan.

LMI waiver for professionals

When calculating your upfront costs for purchasing property, you may need to pay costly Lenders Mortgage Insurance (LMI) if your deposit is low. However, some professions and high-income earners may qualify for LMI waivers, which could save them thousands of dollars.