206 articles written by Peter Terlato
![](https://images.ratecity.com.au/large/20221125/home-insurance-claim-54-CVuQLp.jpg)
Do home insurance claims follow you?
Your home insurance claims will affect the premium you pay for a new policy for a few years. If you have made no claims, you can get a no-claims discount.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
13 Oct, 2023 -
6 min read
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Should you freeze your credit report?
Banks and lenders use your credit scores when deciding whether or not to approve your loan application. Learning your credit score may be the simplest way to identify fraudulent activity and may also encourage you to improve your rating in order to become a more viable candidate for financing.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
13 Oct, 2023 -
3 min read
![](https://images.ratecity.com.au/large/20231011/mortgage-pain-woman-computer-Fvrsiwi7K.jpg)
Australia leads the world in mortgage pain: Here's what you can do to ease the agony
Loan repayments as a share of income were at a staggering 15% for Australian households, higher than other advanced economies. Plus, this figure is estimated to have risen further in the last nine months.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
11 Oct, 2023 -
5 min read
![](https://staging-content-assets.ratecity.com.au/20191025/personal-loans-buying-products-CnGJbVnMY.jpg?w=1024)
Multi-purpose lending: top personal loans for September 2023
If you're able to acquire a plot of land at a reasonable price, it has the potential to speed up your access to capital growth opportunities and offer flexibility for future development.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
06 Sep, 2023 -
3 min read
![](https://images.ratecity.com.au/large/20210524/savings-bank-wIx7MFPcD.jpg)
Supercharge your savings with rates above 5.50% in September
Savings rates are at some of the highest levels in more than a decade. RateCity lists nine different banks offering ongoing rates of 5.50% or higher.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
06 Sep, 2023 -
3 min read
![](https://images.ratecity.com.au/large/20230906/economic-growth-puzzle-with-flag-6KjU6rEhs.jpg)
Household savings battered as Australia's economy picks up, defying expectations
Quarterly GDP increases have been gradually losing steam since the middle of last year. However, this latest data reflects a mild upturn in Australia's economic position.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
06 Sep, 2023 -
3 min read
![](https://images.ratecity.com.au/large/20230313/which-banks-have-hiked-savings-account-and-term-deposit-rates-in-march-2023-nQrkDu15Z.jpg)
Grow your wealth: top term deposits for September 2023
If you’re considering putting away some of your hard-earned savings, you may want to compare several term deposit accounts to discover those offering the most attractive rates and features that fit your savings goals.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
05 Sep, 2023 -
3 min read
![](https://images.ratecity.com.au/large/20230905/insurance-risk-J87RuIaJl.jpg)
Are you paying an insurance loyalty tax?
ASIC commenced civil penalty proceedings in the Federal Court last week, claiming some insurers used an algorithm to determine whether or not a customer might renew their policy at different premium levels.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
05 Sep, 2023 -
4 min read
![](https://images.ratecity.com.au/large/20220902/credit-denial-cdQ0OT6hC.jpg)
Can credit card denial hurt your credit score?
When you apply for new credit, a lender will typically perform a credit check in order to determine your risk and reliability. This will likely involve a hard inquiry into your credit history. But does the denial or success of these applications affect your overall credit score?
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
02 Sep, 2023 -
4 min read
![](https://images.ratecity.com.au/large/20230831/interest-rates-hold-FRYEVZ5fQ.jpg)
Will the RBA hike the cash rate in September? Key economic indicators shaping the decision
We explore the stats to determine the likelihood that the RBA will lower, hold or raise the official cash rate.
![peter-terlato](https://images.ratecity.com.au/large/20230908/peter-terlato-headshot-2-AGkJIEq9u.jpg)
Peter Terlato -
01 Sep, 2023 -
8 min read