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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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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

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

A tale of two cities: offset balances hit a new record high as arrears climb

The latest APRA data shows money in offset accounts hitting a record high, while mortgage arrears continue to climb.

Eden Radford

Eden Radford -

13 Mar, 2024 -

5 min read

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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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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

Term Deposits

How far can your savings take you? Some of the top-rated term deposits in February 2024

Has your term deposit been effectively losing you money in the past? With Australia’s inflation falling faster than expected, it may be getting easier to find term deposits that can keep your money from going backwards. But it’s important to compare the available options and choose a term deposit that will suit your needs and help you reach your savings goals.

Mark Bristow

Mark Bristow -

12 Feb, 2024 -

3 min read

Term Deposits

Some of the top-rated term deposits in January 2024

Australians concerned about how shifting interest rates could affect their savings in 2024 could consider locking in a term deposit interest rate. However, it’s essential to carefully compare term deposits before you commit to help ensure your choice matches your personal goals and financial needs.

Mark Bristow

Mark Bristow -

16 Jan, 2024 -

3 min read

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Savings Accounts

Will you grow your wealth this year? Some of the top-rated savings accounts in February 2024

Australia’s inflation may be falling faster than previously predicted, which could make it easier for savers to grow their wealth. However, it’s important to consider more than just interest rates when comparing savings account options.

Mark Bristow

Mark Bristow -

07 Feb, 2024 -

3 min read

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

What you could get with the difference in interest from a high interest savings account

The interest rate on your savings account can sometimes make the difference between you having a savings goal, and you achieving it.

Eden Radford

Eden Radford -

28 Feb, 2024 -

3 min read

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Personal Loans

Some of the top-rated personal loans in March 2024

Data shows Australians are increasingly looking to personal loans to secure finance. However, before committing to a personal loan, it’s important to compare the available options and consider your needs to make sure you’re selecting a loan that offers the most value for your needs.

Mark Bristow

Mark Bristow -

13 Mar, 2024 -

3 min read

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

Some of the top-rated personal loans in January 2024

A new year is a popular time to set new goals and commence new projects. But do you have the finance available to get your plans out of the concept stage and transform them into tangible reality? The right personal loan may be able to help, but it’s important to carefully compare your options first.

Mark Bristow

Mark Bristow -

16 Jan, 2024 -

3 min read

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Home Insurance

Insurance pushing cost of living upwards – how’s your cover?

It may surprise no-one to learn that Australia’s cost of living has increased over the past quarter. However, it was higher insurance premiums across house, home contents and motor vehicles that contributed to some of the largest price rises. Which could mean now is as good a time as ever, to be looking carefully at your current policies and comparing some alternatives to see if you could be getting better deals.

Mark Bristow

Mark Bristow -

08 Feb, 2024 -

3 min read

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Credit Cards

Credit card debt creeps up as Australians pare back December spending

Australia’s total credit card bill attracting interest charges crept up in the month of December, hitting a total of $17.31 billion, an increase of almost $21 million.

Eden Radford

Eden Radford -

07 Feb, 2024 -

4 min read

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

ANZ increases interest rates on select credit cards for second time in six months

ANZ, Australia’s fourth largest credit card provider, has today increased interest rates across select credit cards by 0.50 percentage points – the second hike in less than six months.

Eden Radford

Eden Radford -

22 Feb, 2024 -

4 min read

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Credit Score

Who can access my credit report?

In Australia, only a very specific list of businesses and lenders can access your credit report - and they must only do so for specific reasons.

Eden Radford

Eden Radford -

15 Mar, 2024 -

2 min read

Credit Score

How fast can you fix a credit score, and how do you do it?

Having bad credit may make applying for loans and credit cards feel impossible. But it is possible to recover from a bad credit score, though the length of time it will take may vary. Checking your credit report is often a good start, as is demonstrating your financial responsibility.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

4 min read

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Home Insurance

Unoccupied home insurance: Your essential guide

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

Mark Bristow -

09 Feb, 2024 -

4 min read

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

Renting out a room in your home: Are you insured?

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

Mark Bristow -

09 Feb, 2024 -

5 min read

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Nbn

The NBN connection box explained

Learn more with this RateCity guide to your NBN connection box, including location, installation and troubleshooting.

Mark Bristow

Mark Bristow -

27 Feb, 2024 -

3 min read

Nbn

What is a good internet speed?

What is a good internet speed? Compare internet speeds to find the best speed tier for your needs with this RateCity guide.

Mark Bristow

Mark Bristow -

27 Feb, 2024 -

5 min read

Nbn

Modem vs router: What is the difference?

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

Mark Bristow -

28 Feb, 2024 -

2 min read

Browse more Nbn articles

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

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 often does your credit score change?

The frequency at which your credit score changes will depend on how often a bank, lender or service provider offers this information to credit bureaus, and how often a credit bureau assesses your individual credit history and payment behaviour. 

Eden Radford

Eden Radford -

30 Jan, 2024 -

4 min read

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Car Loans

E10 vs 91: Navigating your fuel choices

If you want to keep your car running smoothly and avoid costly mechanic bills, then choosing the right fuel is important. In Australia, regular unleaded petrol (91), premium unleaded (95 and 98) and E10 are among the most common petrol choices for motorists. If you’ve seen these names on the petrol bowser without fully understanding what they mean, here are the basics to help you make a more informed choice the next time you fill up your car.

Mark Bristow

Mark Bristow -

20 Feb, 2024 -

5 min read

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Home Loans

How to apply for a home loan

Getting your first home loan doesn’t have to be as intimidating as it sounds. With just a little preparation, you can confidently calculate how much you can afford to borrow, what support you may be able to get, and how to make an application that’s more likely to be approved by the bank.

Mark Bristow

Mark Bristow -

29 Feb, 2024 -

11 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

Home Loans

Are holiday homes a good investment?

Planning to invest in a holiday home? Consider its purpose, pros and cons, and how you can protect your holiday home against damage.

Vidhu Bajaj

Vidhu Bajaj -

16 Oct, 2023 -

7 min read

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Savings Accounts

What are savings account conditions?

Earning the maximum interest from a savings account may require you to meet certain conditions, such as making regular deposits or minimal withdrawals. If you don’t fulfil these conditions, you may earn less interest on your savings, or even none at all.

Mark Bristow

Mark Bristow -

22 Jan, 2024 -

4 min read

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Credit Cards

What are the pros and cons of credit cards?

Credit cards can be your best friend or your worst enemy. Discover the five pros and cons of credit cards - and how to use them wisely.

Vidhu Bajaj

Vidhu Bajaj -

25 Jul, 2023 -

9 min read

Credit Cards

The pros and cons of getting a higher credit limit

From time to time, your lender will proactively ask you if you'd like to increase the limit on your credit card. But should you agree?

Vidhu Bajaj

Vidhu Bajaj -

19 Jul, 2023 -

9 min read

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Nbn

Can one device serve as both a modem and a router?

Many modern devices combine the functions of both a modem and a router for convenience.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nbn

Do I need both a modem and a router?

If you want to connect multiple devices to your home network, including over Wi-Fi, then yes, you will need both a modem and a router. In many cases, both functions can be performed by a single device.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Home Loans

loans.com.au Construction Loan | Ratecity

Compare loans.com.au and other Home Loans products at RateCity, Australia's leading comparison site

-

09 Aug, 2023 -

0 min read

Home Loans

Qudos Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Freedom Lend Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Gateway Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction OO 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction INV 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read

Nbn

Can one device serve as both a modem and a router?

Many modern devices combine the functions of both a modem and a router for convenience.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nbn

Do I need both a modem and a router?

If you want to connect multiple devices to your home network, including over Wi-Fi, then yes, you will need both a modem and a router. In many cases, both functions can be performed by a single device.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Home Loans

loans.com.au Construction Loan | Ratecity

Compare loans.com.au and other Home Loans products at RateCity, Australia's leading comparison site

-

09 Aug, 2023 -

0 min read

Home Loans

Qudos Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Freedom Lend Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Gateway Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction OO 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction INV 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read

Superannuation

Home Insurance

Home insurance for seniors

Older Australians, retirees and pensioners all have different challenges to face in day-to-day life. For peace of mind, it’s important to consider covering your home and its contents with a home insurance policy for seniors.

Mark Bristow

Mark Bristow -

17 Aug, 2023 -

5 min read

Home Insurance

Compare portable contents insurance policies

Compare insurance policies to protect the possessions you have when you leave your home. Will your portable goods still be covered by your current contents insurance policy, or will you need to pay extra to give your portable valuables separate cover?

Mark Bristow

Mark Bristow -

15 Aug, 2023 -

5 min read

Home Insurance

Compare renters insurance options

Renters insurance may be a no-brainer to protect your belongings from adverse events. Compare renters insurance coverage to find an insurance policy that may suit you.

Alex Ritchie

Alex Ritchie -

29 Aug, 2023 -

5 min read

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Car Insurance

Compare car insurance for drivers under 25

Because insurers often treat drivers aged under 25 differently to older drivers, it’s important to compare policies from different insurers and to consider the cost of the premiums and the excess, as well as whether the features and benefits will offer value to younger drivers.

Mark Bristow

Mark Bristow -

09 Nov, 2023 -

5 min read

Car Insurance

Compare comprehensive car insurance

Comprehensive car insurance is an insurance policy that thoroughly covers a vehicle against loss or damage. When you have a comprehensive car insurance policy in place, you can be confident that most common accidents and misadventures should be covered, so your wallet shouldn’t be hit too hard if you run into car trouble.

Mark Bristow

Mark Bristow -

20 Oct, 2023 -

6 min read

Browse more Car Insurance search

Credit Cards

Compare credit cards offering Samsung Pay

Find credit cards that offer Samsung Pay with RateCity. View all product details to find the account that suits your needs and allows you to make digital payments.

Peter Terlato

Peter Terlato -

04 May, 2023 -

5 min read

Credit Cards

Credit cards with Google Pay

Google Pay is a convenient way to pay for your shopping with just a wave of your smart device. Not all credit cards offer access to Google Pay, so it’s essential to compare the choices available to you before deciding.

Mark Bristow

Mark Bristow -

05 May, 2023 -

4 min read

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

Nbn

Can one device serve as both a modem and a router?

Many modern devices combine the functions of both a modem and a router for convenience.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nbn

Do I need both a modem and a router?

If you want to connect multiple devices to your home network, including over Wi-Fi, then yes, you will need both a modem and a router. In many cases, both functions can be performed by a single device.

Mark Bristow

Mark Bristow -

28 Feb, 2024 -

1 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Home Loans

loans.com.au Construction Loan | Ratecity

Compare loans.com.au and other Home Loans products at RateCity, Australia's leading comparison site

-

09 Aug, 2023 -

0 min read

Home Loans

Qudos Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Freedom Lend Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Gateway Bank Construction Loan | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction OO 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read

Home Loans

Firstmac Green Construction INV 80 | Ratecity

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

-

09 Aug, 2023 -

0 min read