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Car Loans

Some of the top-rated car loans in March 2024

Records were made to be broken, at least when it comes to Australians buying cars. As car purchasing accelerates, it’s important for buyers to carefully consider their finance options before committing.

Mark Bristow

Mark Bristow -

13 Mar, 2024 -

3 min read

Car Loans

Would new emissions standards affect which car you’ll buy? Some of the top-rated car loans in February 2024

Australians bought record numbers of new vehicles in January 2024, with most being SUVs and Light Commercial vehicles. However, with new emissions standards potentially on the cards, how could this affect your choice of vehicle, and in turn your choice of car loan?

Mark Bristow

Mark Bristow -

07 Feb, 2024 -

3 min read

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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Home Loans

Cashback deals to compare as rates are kept on hold in February 2024

Many mortgage lenders have been gradually pulling their cashbacks from the market due to increasing refinancing activity and more intensive competition. But there are still cashback deals available for refinancers and first home buyers to compare, as well as other competitive incentives. 

Mark Bristow

Mark Bristow -

14 Feb, 2024 -

4 min read

Home Loans

Cashback home loan deals in March 2024

The Reserve Bank of Australia (RBA) kept the national cash rate on hold at its March 2024 meeting. The number of cashbacks available to refinancers and first home buyers to compare also remained relatively steady this month.

Mark Bristow

Mark Bristow -

20 Mar, 2024 -

5 min read

Home Loans

Refinancing and new lending continues to slide

The home loan market cooled in the month of January, with the value of new and refinanced home loans dropping for the second consecutive month.

Eden Radford

Eden Radford -

07 Mar, 2024 -

4 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

Buying land? Top personal loans for November 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 -

10 Nov, 2023 -

3 min read

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Bank Accounts

What is the lipstick effect?

Do you know that lipstick sales are considered a way to know if we’re in a recession? It’s called the lipstick effect, or the lipstick index, and it’s regarded by some as a helpful way to understand how consumers are responding to an economic downturn.

Eden Radford

Eden Radford -

25 Mar, 2024 -

4 min read

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Savings Accounts

Some of the top-rated savings accounts in January 2024

Is 2024 the year you’ll finally buy that boat, go on that holiday, or organise that dream wedding? Whether you’ve already been growing your wealth, or you’re yet to start building your nest egg, it may be worth comparing savings accounts to make sure you’re getting the most value for your money.

Mark Bristow

Mark Bristow -

15 Jan, 2024 -

3 min read

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Credit Cards

Sale season starts tomorrow - why one click too many could kill your Christmas

Shoppers planning to spend big in the Click Frenzy sale tomorrow are being warned to plan ahead and stick to a tight budget to avoid getting into trouble in the lead up to Christmas.

Eden Radford

Eden Radford -

23 Oct, 2023 -

5 min read

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bnpl

Do Buy Now Pay Later companies run a credit check?

Not all Buy Now Pay Later (BNPL) companies run a credit check when you sign up for memberships, and these checks may not always affect your credit score. However, your BNPL activity could still make an impact on your credit history, which could affect your chances of seeing future credit applications approved. 

Vidhu Bajaj

Vidhu Bajaj -

14 Jun, 2023 -

4 min read

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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

Can you change your home loan to an investment loan?

Mortgage lenders offer different types of home loans to owner occupiers and to property investors. Buying a home to live in is different from buying an investment property, and comes with a different type of risk for the lender.

Mark Bristow

Mark Bristow -

15 Dec, 2023 -

4 min read

Home Loans

Everything home buyers need to know about stamp duty

There are many costs associated with buying a home, and stamp duty is one of the biggest. Stamp duty is a tax charged by states and territories on property purchases. This not only includes real estate, but business assets, vehicles, and some gifts and insurance policies.

Mark Bristow

Mark Bristow -

07 Nov, 2023 -

11 min read

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Credit Score

Does Afterpay affect your 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

Vidhu Bajaj -

15 Mar, 2024 -

5 min read

Credit Score

How good debts and bad debts can affect your credit score

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

Mark Bristow

Mark Bristow -

16 Feb, 2024 -

4 min read

Credit Score

What is Equifax One Score?

Australian credit reporting bureau Equifax has credit score system that could mean your credit behaviours are better reflected.

Eden Radford

Eden Radford -

28 Jan, 2024 -

4 min read

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Home Insurance

What is contents 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

Mark Bristow -

13 Feb, 2024 -

5 min read

Home Insurance

Key things to know about home insurance for first time home buyers

Moving into your first home is an achievement any Australian would be proud of. So, if you’re concerned about maintaining the condition of your house, you might consider taking out your first homeowner’s insurance policy before you move in.

Mark Bristow

Mark Bristow -

17 Aug, 2023 -

3 min read

Home Insurance

Does home insurance cover asbestos removal?

When buying an old home, consider assessing it for asbestos as it can be expensive to remove, and home insurance will likely not cover the removal costs.

Vidhu Bajaj

Vidhu Bajaj -

25 Aug, 2023 -

6 min read

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Car Loans

How to buy a car: everything you need to know

Whether you're a first-time buyer or looking to upgrade your current vehicle, financing or buying outright, this guide covers everything you need to know about buying a car in Australia.

Peter Terlato

Peter Terlato -

01 Nov, 2023 -

13 min read

Car Loans

How to get the best rate when buying a car

Cars can be expensive, and you may need to use a car loan or another form of car finance to afford your next set of wheels. But not all car loans are created equal, and the interest rate you’re charged can affect how much you’ll pay for your car, both from month to month and in total.

Mark Bristow

Mark Bristow -

20 Sep, 2023 -

6 min read

Car Loans

What is a sports car, and what to consider when buying one?

The appeal of sports cars extends far beyond their performance, making them a choice for those who seek excitement and aspire to make a statement on the road.

Vidhu Bajaj

Vidhu Bajaj -

08 Sep, 2023 -

7 min read

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bnpl

Can using a buy now pay later service hurt my financial health?

Buy now pay later (BNPL) may appear as a more manageable way of buying big-ticket items, but you need to be aware of maintaining your credit score and overall financial health.

Vidhu Bajaj

Vidhu Bajaj -

14 Jun, 2023 -

6 min read

bnpl

What is a "Buy Now Pay Later" service?

Buy Now Pay Later (BNPL) platforms allow paying for your purchases using an app and repay the amount in affordable instalments over time.

Vidhu Bajaj

Vidhu Bajaj -

14 Jun, 2023 -

8 min read

bnpl

Buy now pay later vs personal loan

Thinking about making a pricey purchase but don’t want to splash all your cash at once? Buy now pay later (BNPL) and personal loans are two alternatives to choose from.

Vidhu Bajaj

Vidhu Bajaj -

13 Jun, 2023 -

6 min read

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Credit Cards

Should you pay off your credit cards before buying a house?

It may be worthwhile paying off your credit card debt before buying a house, as this may make your mortgage application look better to a lender, and potentially improve your credit score.

Alex Ritchie

Alex Ritchie -

12 Jul, 2023 -

5 min read

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Cryptocurrency

What is a Bitcoin ATM, and how do you use one?

What are Bitcoin ATMs, how do they work, and how do you use one to buy and sell Bitcoins and other cryptocurrencies?

Vidhu Bajaj

Vidhu Bajaj -

01 May, 2023 -

4 min read

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Car Insurance

What is the difference between comprehensive and third-party car insurance?

When looking for car insurance, the two main factors you may consider are how much coverage you want, and how much different coverage options may cost. Compulsory third-party insurance (CTP) is a legal requirement when registering your car, but any cover beyond that is optional. This means you may only buy the cover you can afford, rather than the cover you need.

Mark Bristow

Mark Bristow -

29 Aug, 2023 -

4 min read

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Car Loans

Search and compare car loans for temporary residents

Explore car finance for non residents of Australia. Compare car loans for visa holders to find a product that works with your circumstances.

Peter Terlato

Peter Terlato -

13 Nov, 2023 -

9 min read

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Home Loans

LCU Savvy First Home Buyer Loan | Ratecity

Compare LCU and other Home Loans products at RateCity, Australia's leading comparison site

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09 Aug, 2023 -

0 min read

Home Loans

Unity Bank First Home Buyer Advantage Plus | Ratecity

Compare Unity 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

Unity Bank First Home Buyer Advantage Plus Standard | Ratecity

Compare Unity 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

Beyond Bank First Home Buyers Total Home Loan Package Fixed | Ratecity

Compare Beyond 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

Australian Mutual Bank First Home Buyer Loan Variable Rate | Ratecity

Compare Australian Mutual 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

Australian Mutual Bank First Home Buyer Special Fixed Loan | Ratecity

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

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09 Aug, 2023 -

0 min read