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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

Mark Bristow -

18 Mar, 2024 -

6 min read

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

Mark Bristow -

18 Mar, 2024 -

4 min read

Home Loans

Big banks vs small banks for mortgages

Choosing 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

Alex Ritchie -

05 Mar, 2024 -

6 min read

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Home Insurance

First-time renters: Your essential guide to leasing your first property

Whether you're moving out of your parents' home, leaving student accommodation, or moving in with a group of friends, it’s important to be prepared, and understand the ins and outs of the rental process.

Mark Bristow

Mark Bristow -

12 Feb, 2024 -

5 min read

Home Insurance

Accidental damage home insurance: Protect your home from the unexpected

A home can be your pride and joy, but home ownership also means dealing with damages, which may need a quick DIY fix or major repairs. Home insurance with cover for accidental damage can provide a financial safeguard if your home needs extensive - and expensive - repairs.

Mark Bristow

Mark Bristow -

19 Feb, 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

Mark Bristow -

22 Feb, 2024 -

4 min read

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Credit Score

Four habits to keep your credit score top notch

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

Mark Bristow -

15 Feb, 2024 -

4 min read

Credit Score

Will a balance transfer improve your credit score?

When you’re struggling to get on top of your credit card debt, one solution that may offer some financial relief is a balance transfer. However, you may be curious as to how this may affect your credit history and score.

Alex Ritchie

Alex Ritchie -

19 May, 2023 -

4 min read

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bnpl

How is Deferit different from other BNPL services?

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

Vidhu Bajaj -

03 Jul, 2023 -

6 min read

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Energy

How does your energy bill get worked out?

The cost of electricity can directly affect our household budgets. But how exactly is the amount you fork over to a power company each quarter determined? And what can you do to cut some of your costs?

Mark Bristow

Mark Bristow -

12 Dec, 2023 -

4 min read

Energy

A short guide to getting solar for your home

Whether your focus is the environment or your budget, you may be thinking of installing solar panels on your roof to generate your own electricity. Household solar can contribute to a better environment by reducing your reliance on fossil fuels, leading to a cleaner grid. It can also help you save money by buying less electricity and selling your excess power back to the grid. 

Mark Bristow

Mark Bristow -

17 Oct, 2023 -

6 min read

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Car Loans

How much should you spend on a car?

When you decide to buy a car, you also need to determine your budget. So, how much should you spend on a car? Here are the things you need to consider.

Vidhu Bajaj

Vidhu Bajaj -

23 Oct, 2023 -

7 min read

Car Loans

How to choose between fixed and variable rate car loans

Before you buy a new set of wheels, it helps to explore your financing options and choose the right type of car loan to get the maximum value out of the deal. Unfortunately, there's no formula to decide which car loan is the best for you, but learning more about the available options can help you make an informed choice. 

Vidhu Bajaj

Vidhu Bajaj -

12 May, 2023 -

4 min read

Car Loans

Looking for your first car? Your checklist for choosing your first car

To help you with making a smart decision when selecting your first set of wheels, you’ll need to find a balance between what makes sense and what looks good or what your fantasy may be.

Vidhu Bajaj

Vidhu Bajaj -

19 Jul, 2023 -

7 min read

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Savings Accounts

Learning to love budgets: Taking the pain out of sticking to a budget

Learning to love budgets Taking the pain out of sticking to a budget

Laine Gordon

Laine Gordon -

27 Jan, 2010 -

3 min read

Savings Accounts

10 free apps for money saving and budgeting

10 free apps for money saving and budgeting

Patricia Babalis -

13 Jan, 2016 -

4 min read

Savings Accounts

Budget Planner: How to make a monthly budget

Budget Planner: How to make a monthly budget

Peter Arnold -

08 Jan, 2015 -

4 min read

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Credit Cards

How do you make a balance transfer?

Learn how to make a successful credit card balance transfer to save on interest and streamline debt repayment effectively.

Vidhu Bajaj

Vidhu Bajaj -

24 Nov, 2023 -

7 min read

Credit Cards

What is a balance transfer?

A balance transfer is the process of transferring the debt from one credit card onto a new credit card.

Vidhu Bajaj

Vidhu Bajaj -

14 Jul, 2023 -

6 min read

Credit Cards

Which of my debts should I pay off first?

If you’re wondering which of your debts to pay off first, there are two popular schools of thought: pay the debt with the highest interest rate first or pay the smallest debt first.

Alex Ritchie

Alex Ritchie -

08 Aug, 2023 -

4 min read

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Bank Accounts

Five reasons your budget isn't working

5 reasons your budget isn't working

Kate Cowling -

09 Feb, 2014 -

3 min read

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Car Insurance

Can I make monthly car insurance payments?

Your quote for a car insurance policy may suggest an annual premium. Still, most insurers also accept a monthly car insurance payment, often at no extra cost.

Alex Ritchie

Alex Ritchie -

10 Aug, 2023 -

4 min read

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Personal Loans

Credit card vs personal loan: which is better?

Choosing between a personal loan and a credit card can be a tough financial decision. Let’s explore whether a credit card or a personal loan may be better for your specific financial goals. 

Alex Ritchie

Alex Ritchie -

13 Dec, 2023 -

4 min read

Personal Loans

Take back control with debt consolidation

Debt consolidation can make budgeting easier because you’ll only have to worry about repayments on one debt, as opposed to multiple.

RateCity

RateCity -

29 Mar, 2021 -

3 min read

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Home Loans

Cash rate on hold: how to keep your budget in the black until rate cuts eventuate

The RBA has kept the cash rate on hold for the third consecutive meeting, as Australia’s monetary policy settings work to rein in inflation.

Eden Radford

Eden Radford -

19 Mar, 2024 -

5 min read

Home Loans

When will interest rates go down?

The Reserve Bank of Australia has hiked the cash rate multiple times since May 2022, resulting in home loan rates rising across the country. Millions of Australian homeowners are likely asking themselves: when will interest rates fall again?

Eden Radford

Eden Radford -

02 Mar, 2024 -

6 min read

Home Loans

The lowest advertised rates for your deposit size

We’ve pulled the lowest home loan rates per deposit size from over 100 home loan products on the RateCity database.

Eden Radford

Eden Radford -

26 Feb, 2024 -

3 min read

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Personal Loans

Feeling the love? Some of the top-rated personal loans for February 2024

With Valentine’s Day just around the corner, it’s the time of year when a lot of money gets spent on everything from grand romantic gestures to elaborate weddings. While a personal loan could offer the financial support you need to splurge on your loved ones when the cost of living is high, it’s important to consider your budget and your credit score, and to carefully compare personal loan options before you apply.

Mark Bristow

Mark Bristow -

08 Feb, 2024 -

3 min read

Personal Loans

Doubling down on finance: top personal loans for August 2023

If you’re seeking finance, it may be worthwhile comparing a number of different loan options to find terms that align with your budget.

Peter Terlato

Peter Terlato -

08 Aug, 2023 -

3 min read

Personal Loans

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

Peter Terlato -

06 Sep, 2023 -

3 min read

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Savings Accounts

Some of the top-rated savings accounts in March 2024

How 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

Mark Bristow -

15 Mar, 2024 -

3 min read

Savings Accounts

The latest Gen Z trends? Saving and budgeting

As inflation and the cost of living put the squeeze on more Australian budgets, one generation is actively taking steps to save money and stay ahead of the curve. But how effective could these strategies be for reaching your savings goals?

Mark Bristow

Mark Bristow -

22 Jan, 2024 -

3 min read

Savings Accounts

Which bank has the best mobile app? Five questions to ask

A new research report has evaluated the mobile banking apps of Australia’s top lenders, and revealed which of Australia's leading banks has the best mobile app. But what questions can you ask a bank to work out if its app will suit your needs?

Mark Bristow

Mark Bristow -

01 Nov, 2023 -

4 min read

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Credit Cards

New year = more debt for Australian credit card holders

Household credit card debt rose by more than a quarter of a billion dollars in the month of January as shoppers struggled to clear their debts following a bumper spendathon in November.

Eden Radford

Eden Radford -

07 Mar, 2024 -

4 min read

Credit Cards

NAB increases rates on select credit cards

Australia’s second largest credit card provider, NAB, has today increased interest rates across select cards.

Eden Radford

Eden Radford -

13 Feb, 2024 -

6 min read

Credit Cards

Credit card school: what’s the right card for you?

The increase in credit card accounts may make for easy spending or cashing in for first class travel, but many of those who get credit cards are possibly turning to a finance solution that they don’t fully understand – or may get them into trouble.

Eden Radford

Eden Radford -

22 Jan, 2024 -

5 min read

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Term Deposits

Some of the top-rated term deposits in March 2024

Could a term deposit help to safeguard part of your wealth from uncertainty? Selecting the best solutions to protect your assets and grow your investments isn’t always easy, but there are a range of options to consider.

Mark Bristow

Mark Bristow -

15 Mar, 2024 -

4 min read

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Car Loans

Some of the top-rated car loans in January 2024

Australians bought cars in record numbers last year, with the number of new vehicle sales reaching an all-time high in 2023. But if you’re still looking to buy a set of wheels in 2024, it may be worth making sure that you have access to car finance that suits your needs and goals.

Mark Bristow

Mark Bristow -

16 Jan, 2024 -

3 min read

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Bank Accounts

Financial literacy - what young people need to know

The term ‘financial literacy’ describes the combination of awareness, knowledge, skill, attitude and behaviour necessary to make sound financial decisions and ultimately achieve financial wellbeing. A key to being financially stable, building assets and achieving personal goals, financial literacy is something everybody should have and want.

Paul Marshall

Paul Marshall -

18 May, 2023 -

7 min read

Bank Accounts

What do the big banks have to say about budget 2022?

Hot on the heels of the federal budget for 2022/23, Australia’s big four banks have responded with their own economic forecasts. 

Mark Bristow

Mark Bristow -

30 Mar, 2022 -

4 min read

Bank Accounts

How to make a budget in 2021

Getting your money under control may sound intimidating, but it doesn’t have to be. As the old saying goes, “if you can measure it, you can manage it.”

Mark Bristow

Mark Bristow -

20 Dec, 2019 -

8 min read

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Credit Cards

Compare American Express credit cards

Compare a range of American Express (Amex) credit cards to help find one that suits your needs and budget.

Vidhu Bajaj

Vidhu Bajaj -

01 Aug, 2023 -

9 min read

Browse more Credit Cards search

Car Loans

Search and compare fixed rate car loan options

Find a fixed rate car loan on RateCity's database of 90+ lenders. Compare rates, fees and more to find offers that can help keep your budgeting simple.

Alex Ritchie

Alex Ritchie -

14 Dec, 2016 -

11 min read

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Home Loans

IMB Bank Budget Home Loan | Ratecity

Compare IMB 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

The Mutual Bank Budget Home Loan | Ratecity

Compare The Mutual Bank and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Bank accounts