Home Loans

While the idea of pocketing a couple thousand dollars for switching your mortgage might sound appealing, it’s important to understand there are a number of different factors that go into choosing a loan.

Eden Radford -

26 Mar, 2024 -

4 min read

Home Loans

While interest rates are important, Australia’s borrowers, first home buyers, investors and refinancers may also want to compare more than just rates when looking at home loans. When comparing home loan features and benefits, it’s important to consider which of these extras may offer you the most value in your financial situation, and help you to achieve your personal goals.

Mark Bristow -

10 Apr, 2024 -

3 min read

Home Loans

Australians love a good life hack and offset accounts are no exception, but as with all good hacks, it’s worth double checking the details to make sure there's no catch.

Eden Radford -

06 Mar, 2024 -

4 min read

Credit Cards

Having credit card debt may not be out of the ordinary, but if you’re struggling to pay that debt off, it’s worth taking a moment to figure out a game plan, and fast.

Eden Radford -

11 Apr, 2024 -

3 min read

Credit Cards

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 -

07 Mar, 2024 -

4 min read

Credit Cards

Navigating a tough financial situation can be tricky - so to help provide some guidance, RateCity spoke to Joanne Edwards, Chief Operating Officer of Wisr, a neo-lender and fintech that is focused on improving the financial wellness of all Australians and helping them make smart decisions.

Eden Radford -

24 Apr, 2024 -

6 min read

Personal Loans

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 -

13 Mar, 2024 -

3 min read

Personal Loans

Australians are reportedly moving away from personal loans, in a partial reversal of an earlier uptick in lending activity earlier in the year. While new data shows a decline in personal lending overall, there are still competitive personal loans available for borrowers who know where to look.

Mark Bristow -

09 Apr, 2024 -

3 min read

Personal Loans

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 -

08 Feb, 2024 -

3 min read

Car Loans

In every month of 2024 so far, Australians have broken a record for the number of vehicle purchases. A general swing towards electric vehicles (EVs) and other greener vehicles has also been recorded, with fuel-efficient technologies becoming more and more popular.

Mark Bristow -

09 Apr, 2024 -

3 min read

Car Loans

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 -

13 Mar, 2024 -

3 min read

Savings Accounts

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 -

15 Mar, 2024 -

3 min read

Savings Accounts

How long will you be able to make the most of the interest on your savings account? With economists forecasting interest rate cuts later in the year, the days of making maximum interest returns on your wealth may be numbered. There are a few different savings strategies you could consider, which could better suit some household budgets than others.

Mark Bristow -

10 Apr, 2024 -

3 min read

Savings Accounts

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 -

07 Feb, 2024 -

3 min read

Term Deposits

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 -

15 Mar, 2024 -

4 min read

Term Deposits

To take advantage of this special offer, simply deposit $5,000 or more in a First Option Bank 6-month or 12-month standard term deposit and you’ll earn a fixed rate of 5% annual interest over that period.

Peter Terlato -

18 May, 2023 -

3 min read

Term Deposits

If you’ve been on the hunt for a competitive term deposit rate, you’ll want to pay attention to this. First Option Bank is offering an exclusive high rate term deposit account just for RateCity customers.

Alex Ritchie -

01 Sep, 2023 -

4 min read

Credit Score

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 -

15 Mar, 2024 -

2 min read

Credit Score

While it’s not that common, it is possible for your credit report to contain mistakes. If you think there’s a mistake on your credit report, there are steps you can take to make sure it is corrected.

Eden Radford -

12 Apr, 2024 -

3 min read

Credit Score

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 -

28 Feb, 2024 -

4 min read

Superannuation

There are a number of fees you should consider when selecting a super fund to grow your retirement savings. These include administration fees, investment fees, switching fees, fees for financial advice, transaction fees and insurance premiums. The amount you pay in fees can significantly impact your final balance.

Peter Terlato -

08 Sep, 2022 -

5 min read

Superannuation

There��_s about to be a change in the way superannuation and managed investment funds disclose their fees and charges.

Nick Bendel -

29 Aug, 2017 -

1 min read

Bank Accounts

ING has today scrapped all international ATM, credit and debit card charges for their customers. This includes ATM withdrawal fees, ATM currency conversion fees, international purchase fees on debit cards and a refund of any overseas third party ATM fees.

Sally Tindall -

10 Nov, 2017 -

3 min read

Bank Accounts

Ignore all your bank fees and you may soon struggle to keep your head above water. Do your research and you could ditch pesky fees for good.

Alex Ritchie -

11 Sep, 2019 -

7 min read

Bank Accounts

Australians forked out $3.92 billion in bank fees last year, new figures from the RBA show. This equates to around $406 per household in bank fees a year.

Laine Gordon -

18 Jun, 2020 -

4 min read

Home Insurance

Bushfire season is a regular occurrence in Australia, to the point where many of us can start feeling overconfident that we already know everything there is to know about the danger bushfires pose and how to keep our homes and loved ones safe. 

Mark Bristow -

04 Sep, 2023 -

4 min read