Credit Score

Shoppers find the buy now, pay later services quite attractive but before you jump in, you should know how these services work and if they impact your credit score.

Vidhu Bajaj -

15 Mar, 2024 -

5 min read

Credit Score

Being 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

Is there such a thing as 'good debt' and what could it mean for your financial future?

Mark Bristow -

16 Feb, 2024 -

4 min read

Nbn

Learn the difference between a modem and a router for home internet and find out which one is right for you in our RateCity guide.

Mark Bristow -

28 Feb, 2024 -

2 min read

Home Insurance

Leaving your home unoccupied beyond a certain length of time can have consequences for your home and contents insurance coverage. If you are planning on spending an extended period away from home, or know in advance that your house will be empty, then unoccupied home insurance may be worth considering.

Mark Bristow -

09 Feb, 2024 -

4 min read

Home Insurance

Contents insurance is a form of insurance that covers your personal possessions in the event of loss, damage or theft. Many insurance providers sell contents insurance as part of a package deal with home insurance, offering discounts if you purchase both together, but it is generally also available to purchase separately. 

Mark Bristow -

13 Feb, 2024 -

5 min read

Home Insurance

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

Home Loans

What is a property actually worth? The answer may depend on if you were to ask a real estate agent or a valuer working for a mortgage lender.

Mark Bristow -

17 Oct, 2023 -

6 min read

Home Loans

Mortgage brokers are finance professionals who help borrowers organise home loans with mortgage lenders.

Peter Terlato -

26 Jun, 2023 -

5 min read

Home Loans

A mortgage broker is an individual or company that acts as a middleman between the borrower and the lender.

Nick Bendel -

28 Nov, 2017 -

3 min read

Credit Cards

If you’ve built up a sizeable amount of rewards points or frequent flyer points through your credit card spending, you may be curious as to how you actually redeem these points. 

Vidhu Bajaj -

31 May, 2023 -

6 min read

Credit Cards

Balance transfer credit cards can be an invaluable tool for cardholders hoping to work off their existing card debt. But just how long does it actually take to transfer your existing balance over to your new credit card?

Alex Ritchie -

08 Aug, 2023 -

5 min read

Credit Cards

Your credit card number is the 15- or 16-digit card number printed on the front or back of the card, along with your name and the card expiry date.

Alex Ritchie -

23 May, 2023 -

4 min read

Energy

ActewAGL, partly owned by the ACT government, is among the few retailers offering both electricity and gas plans in Canberra.

Jodie Humphries -

27 Jun, 2022 -

7 min read

Energy

If you are looking to switch to a new energy supplier without paying a penalty, here are a few tips to keep in mind. There are many reasons people might want to switch from their current energy supplier to a new one, from high prices to poor service.

Mark Bristow -

02 Nov, 2023 -

5 min read

Bank Accounts

You don’t need a bank account to send or receive money through PayPal. However, you do need a bank account if you want to withdraw money from your PayPal account.

Alex Ritchie -

17 Aug, 2023 -

4 min read

Bank Accounts

If you’ve ever opened more than one bank account in the past, could you have forgotten about some money that you’ve left behind, which is still waiting to be claimed? And if you think you might have, or if you’re not quite sure, how can you go about finding these outstanding accounts and claiming this unclaimed money?

Mark Bristow -

29 Jun, 2023 -

4 min read

Bank Accounts

Not sure what to do with your loose change and spare cash? Most banks will let you deposit change or cash into your bank account by visiting a branch and doing so in person or using a deposit ATM.

Alex Ritchie -

27 Jun, 2023 -

3 min read

Car Insurance

While you can buy car insurance the same day you purchase a vehicle, the coverage may not always take effect immediately. It’s important to know whether any waiting periods may apply, so you aren’t unknowingly driving around without an active car insurance policy.

Mark Bristow -

10 Oct, 2023 -

2 min read

Car Insurance

Even if you buy comprehensive car insurance, some incidents may not be covered, such as breakdowns. Consider checking all exclusions when purchasing the policy.

Alex Ritchie -

14 Aug, 2023 -

4 min read

Car Insurance

Let’s explore the most common reasons why car insurance claims are denied, helping you steer clear of potential pitfalls.

Alex Ritchie -

23 Nov, 2023 -

4 min read

Savings Accounts

Savings can provide a safety net for individuals and households during periods of financial difficulty or stress. But how much does the average Australian actually have stashed away in their savings account?

Peter Terlato -

15 Nov, 2023 -

3 min read

Savings Accounts

When saving money actually costs you more

Laine Gordon -

09 Dec, 2010 -

3 min read

Savings Accounts

Kids, contracts and cash

Laine Gordon -

05 Apr, 2012 -

3 min read

bnpl

Deferit is a buy now, pay later (BNPL) platform with a difference. Instead of facilitating retail purchases, it pays your bills on time while allowing you to pay them off in four equal fortnightly instalments without any interest. The service is available for a monthly subscription fee for months when there is an active bill.

Vidhu Bajaj -

03 Jul, 2023 -

6 min read

Investment Funds

An exchange-traded fund or ETF is like a managed fund that's traded on an exchange, such as the Australian Securities Exchange (ASX) or Cboe Australia (CXA).

Vidhu Bajaj -

06 Sep, 2023 -

5 min read

Investment Funds

Passive and active investing are distinct investment strategies with different risk profiles and potential returns. Learn the difference between the two to find out which is suitable for you.

Vidhu Bajaj -

23 Feb, 2023 -

6 min read

Superannuation

The trustees of a super fund must ensure that they comply with the SIS Act of 1993. Members can also be helped by understanding how the Act protects their interests.

Vidhu Bajaj -

09 Jan, 2023 -

4 min read

Superannuation

If you have or manage an SMSF, you receive tax exemptions that require you get an actuarial certificate to claim.

Jodie Humphries -

20 Dec, 2022 -

4 min read

Car Loans

EOFY can be a great time to buy a car because dealerships offer discounted prices to buyers, thanks to stocktake sales in June to boost EOFY sales results and get rid of old stock.

Alex Ritchie -

24 Jun, 2022 -

4 min read

Car Loans

If you’ve been holding your horses all year to buy a car during end of financial year (EOFY) sales, now’s the time to take action.

Alison Cheung -

25 Jun, 2020 -

3 min read

Online Trading

Find out how live pricing compares to delayed pricing and why one might suit your trading activity better!

RateCity -

22 Aug, 2011 -

2 min read

Personal Loans

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 -

18 Sep, 2023 -

5 min read