Home Loans

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 -

18 Mar, 2024 -

6 min read

Home Loans

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 -

18 Mar, 2024 -

4 min read

Home Loans

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 -

05 Mar, 2024 -

6 min read

Home Insurance

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 -

12 Feb, 2024 -

5 min read

Home Insurance

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 -

19 Feb, 2024 -

4 min read

Home Insurance

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 -

22 Feb, 2024 -

4 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

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 -

19 May, 2023 -

4 min read

Credit Score

Getting married is meant to be one of the happiest times of your life, so it goes without saying the last thing you’ll be thinking about is how your credit score comes into play. But before you walk down the aisle, it may be worth considering the impact on your personal finances and your credit history.

Alex Ritchie -

29 Apr, 2023 -

5 min read

Energy

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 -

12 Dec, 2023 -

4 min read

Energy

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 -

17 Oct, 2023 -

6 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

Car Loans

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 -

23 Oct, 2023 -

7 min read

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 -

12 May, 2023 -

4 min read

Car Loans

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 -

19 Jul, 2023 -

7 min read

Savings Accounts

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

Laine Gordon -

27 Jan, 2010 -

3 min read

Savings Accounts

10 free apps for money saving and budgeting

Savings Accounts

Budget Planner: How to make a monthly budget

Credit Cards

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

Vidhu Bajaj -

24 Nov, 2023 -

7 min read

Credit Cards

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

Vidhu Bajaj -

14 Jul, 2023 -

6 min read

Credit Cards

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 -

08 Aug, 2023 -

4 min read

Car Insurance

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 -

10 Aug, 2023 -

4 min read

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 -

15 Sep, 2023 -

5 min read

Car Insurance

No matter which car insurance policy you buy, you may be able to control the cost of the policy by agreeing to pay a higher excess.

Alex Ritchie -

16 Aug, 2023 -

3 min read

Personal Loans

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 -

13 Dec, 2023 -

4 min read

Personal Loans

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

RateCity -

29 Mar, 2021 -

3 min read

Bank Accounts

5 reasons your budget isn't working

Bank Accounts

How much do people spend at Christmas?

Nick Bendel -

05 Dec, 2017 -

3 min read

Superannuation

It is possible to use the money in your superannuation fund to help cover the cost of your mortgage in certain circumstances, such as if you’re retiring or are in financial hardship. However, accessing your super fund early can make a big difference to your retirement lifestyle. 

Mark Bristow -

21 Jul, 2023 -

4 min read