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

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 Loans

Managing your finances is rarely easy, but this can prove especially challenging if you’ve had problems with bad credit in the past. Whether you’re doing it tough due to circumstances beyond your control, or you’re trying to make up for money mistakes you’ve made in the past, a bad credit score can cast a long shadow over your future financial dealings, including refinancing a home loan.

Alex Ritchie -

28 Jun, 2023 -

7 min read

Home Loans

Borrowers with fair or higher credit scores may have an easier time getting their mortgage applications approved. But even if you have a poor or below average credit score, if you can fulfil the lender’s other eligibility criteria, there may be steps you can take to confidently apply for a home loan in Australia.

Mark Bristow -

08 Aug, 2023 -

3 min read

Credit Cards

Getting a business credit card can be easier than a personal credit card. But can you put personal expenses on a business credit card?

Vidhu Bajaj -

28 Aug, 2023 -

8 min read

Credit Cards

In Australia, applying for a credit card always involves a mandatory credit check. This is an essential part of testing your ability to responsibly service your repayments and is done in your best interest.

Vidhu Bajaj -

19 Jul, 2023 -

9 min read

Credit Cards

Applying for your first or next credit card is an exciting process. However, it’s worth knowing the potential risks involved, particularly for your credit score, whenever you apply for any credit product.

Alex Ritchie -

02 Aug, 2023 -

4 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

The simple fact is that no, in Australia you generally cannot apply for a personal loan on behalf of someone else. However, there are alternative options you could consider. 

Alex Ritchie -

14 Sep, 2023 -

4 min read

bnpl

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 -

14 Jun, 2023 -

6 min read

bnpl

humm is a buy now, pay later platform that allows you to break down your purchases up to $30,000 into interest-free instalments spread over several months. However, not meeting the repayment schedule could see you hit with a late payment fee and could also hurt your credit rating.

Vidhu Bajaj -

05 Jul, 2023 -

7 min read

bnpl

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 -

14 Jun, 2023 -

8 min read

Investment Funds

Franking credits, also known as imputation credits, are a tax credit for investors in shares. Franking credits stop company profits being taxed twice.

Nick Bendel -

23 Aug, 2017 -

2 min read

Car Loans

A car loan may positively or negatively affect your mortgage application. Successfully managing your car loan repayments could help improve your credit score, which may make a better impression on mortgage lenders. But if your car loan would push your debt-to-income ratio too high, a lender may be less likely to approve your mortgage application.

Mark Bristow -

07 Nov, 2023 -

7 min read