RateCity.com.au

984 articles written by Alex Ritchie

Home Insurance

What is underinsurance and how can you avoid it?

If you are an Australian homeowner, you want to know that your home insurance policy has adequate coverage in the event the worst does happen. However, many Australians may actually be at risk of being underinsured.

alex-ritchie

Alex Ritchie -

21 Sep, 2023 -

5 min read

Home Loans

Stamp duty exemption expanded: what you need to know

In good news for first home buyers in New South Wales, stamp duty exemptions and concessions will be getting a boost. The First Home Buyers Assistance Scheme will be expanded in 2023.

alex-ritchie

Alex Ritchie -

20 Sep, 2023 -

3 min read

Home Insurance

Do I need to buy home insurance before closing on a property?

Having adequate home insurance can help manage risks from unforeseen events. But if you’ve not yet closed on a property, you may be wondering if, and when, you’re meant to purchase home insurance.

alex-ritchie

Alex Ritchie -

18 Sep, 2023 -

4 min read

Personal Loans

Will my personal loan repayments drop with a new interest rate?

Your personal loan repayments will drop with a new, lower interest rate. However, you will typically need to negotiate or refinance for a lower interest rate, as a personal loan rate may not fluctuate with the RBA's cash rate. 

alex-ritchie

Alex Ritchie -

18 Sep, 2023 -

5 min read

Car Insurance

What is comprehensive car insurance?

A comprehensive car insurance policy can be expensive, but it covers not just your liability for accidents, it can also protect you and your car.

alex-ritchie

Alex Ritchie -

15 Sep, 2023 -

5 min read

Personal Loans

Can you apply for a personal loan on behalf of someone else?

The simple fact is that no, in Australia you generally cannot apply for a personal loan on behalf of someone else. However, there are alternative options you could consider. 

alex-ritchie

Alex Ritchie -

14 Sep, 2023 -

4 min read

Credit Cards

Biggest Qantas frequent flyer points at credit card sign up this September

In September, there are 18 providers offering credit cards with Qantas frequent flyer points bonuses on sign up that range from 20,000 points to 150,000 points.

alex-ritchie

Alex Ritchie -

14 Sep, 2023 -

5 min read

Credit Cards

Biggest credit card reward points bonuses on sign up: September 2023

This month, there are nine credit card issuers offering competitive six-figure bulk bonus rewards points ranging from 100,000 to 275,000 points. 

alex-ritchie

Alex Ritchie -

14 Sep, 2023 -

4 min read

Home Loans

Cashback offers up to $10k: where you can still nab a cashback home loan deal

In September, there are 15 lenders offering cashback deals. RateCity shows you which lenders are still offering cashback deals for new and refinancing customers. 

alex-ritchie

Alex Ritchie -

11 Sep, 2023 -

5 min read

Home Loans

The benefits of refinancing a home loan

If you’ve been paying off your home loan for some time now, you’ve likely thought about refinancing. After all, the chances that your current home loan is still the best option available for you may not be as high as you think. 

alex-ritchie

Alex Ritchie -

10 Sep, 2023 -

7 min read