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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

Home Insurance

First-time renters: Your essential guide to leasing your first property

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

Mark Bristow -

12 Feb, 2024 -

5 min read

Home Insurance

What types of home insurance are there?

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

Mark Bristow -

22 Feb, 2024 -

4 min read

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Credit Score

Four habits to keep your credit score top notch

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

Mark Bristow -

15 Feb, 2024 -

4 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

Does your credit score directly relate to how much money you can take out?

If you’re applying for credit products you may be wondering how much your credit score comes into play. But did you know your credit score may impact the amount of money you’re approved for?

Alex Ritchie

Alex Ritchie -

19 Jan, 2024 -

4 min read

Browse more Credit Score articles

Home Loans

Can you use rental income to qualify for a mortgage?

If you own an investment property and are thinking of buying another one, you may want to use the rental income you receive from your tenants to help pay for your next mortgage. However, not all mortgage lenders will take all of your rental income into account when assessing your mortgage application.

Mark Bristow

Mark Bristow -

02 Nov, 2023 -

3 min read

Home Loans

Can you get a home loan when you’re being paid commissions?

Many Aussie salespeople earn a commission on the products or services they sell, which is calculated as a percentage of the total value of the sales. Commissions can vary for several reasons, such as changing seasonal demand for products or difficulties hitting sales targets.

Mark Bristow

Mark Bristow -

18 May, 2023 -

9 min read

Home Loans

What is negative gearing?

Negative gearing refers to when investors can claim a tax deduction when their investments make a loss. While negative gearing offers several potential benefits, there are also risks involved.

Vidhu Bajaj

Vidhu Bajaj -

24 May, 2023 -

6 min read

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Superannuation

How much super can I access at 55?

You could receive a small percentage of your super through an income stream, but only if you reach your age of preservation at 55.

Vidhu Bajaj

Vidhu Bajaj -

02 May, 2023 -

3 min read

Superannuation

When can you get the government super co-contribution for low-income earners?

If you earn less than the threshold income but make personal super contributions, you may qualify for a government super co-contribution for low-income earners.

Jodie Humphries

Jodie Humphries -

18 Nov, 2022 -

3 min read

Superannuation

What is a retirement income stream from superannuation?

After you retire, a super income stream allows you to receive regular payments with some tax benefits. Learn more about a superannuation income stream and its benefits.

Jodie Humphries

Jodie Humphries -

02 Mar, 2023 -

4 min read

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Savings Accounts

How much does the average Australian have in savings?

Savings can provide a safety net for individuals and households during periods of financial difficulty or stress. But how much does the average Australian actually have stashed away in their savings account?

Peter Terlato

Peter Terlato -

15 Nov, 2023 -

3 min read

Savings Accounts

Why a penny saved is worth more than a penny earned

Why a penny saved is worth more than a penny earned

Nick Bendel

Nick Bendel -

12 Feb, 2018 -

3 min read

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Credit Cards

Increasing your chance of credit card approval

Gaining credit card approval can often be an uncertain process. The good news is that there are steps you can take to increase your chances of approval for a credit card.

Alex Ritchie

Alex Ritchie -

26 Oct, 2023 -

5 min read

Credit Cards

How do you apply for a credit card? The application process explained

It is important to shop around before you apply for a credit card to ensure you get a card that suits your spending habits. Here are some tips to help you find a card that's right for your needs.

Alex Ritchie

Alex Ritchie -

21 Apr, 2023 -

7 min read

Credit Cards

How to pay off your credit card debt on a low income

In the past year, major cardholders planned to carry forward $19 billion worth of debt according to research conducted by Roy Morgan.

Patricia Babalis -

16 Dec, 2016 -

3 min read

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Personal Loans

Can you apply for a personal loan on behalf of someone else?

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

Alex Ritchie -

14 Sep, 2023 -

4 min read

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bnpl

What is Beforepay and what are the risks?

Beforepay is an app that allows salaried employees to borrow money and repay it from their next four pay cycles. Some may consider it to be a salary advance but it’s ultimately a loan that you’ll need to repay.

Vidhu Bajaj

Vidhu Bajaj -

05 Jul, 2023 -

8 min read

Browse more BNPL articles

Car Loans

How do you refinance a car loan?

If you’re looking for a more competitive interest rate, or your circumstances have simply changed, it might be worth considering refinancing.

Peter Terlato

Peter Terlato -

10 Nov, 2023 -

7 min read

Car Loans

Pros and cons of salary sacrificing to lease a car

Salary sacrifice allows you to pay for a car from your pre-tax income. It reduces your taxable income and total tax outflows. It can be an alternative to taking out a car loan or buying a vehicle outright. If you’re comfortable reducing your take-home income, salary sacrificing to purchase a car can provide significant savings.

Jodie Humphries

Jodie Humphries -

07 Nov, 2022 -

3 min read

Car Loans

Are salary sacrifice car schemes worth it?

A salary sacrifice car loan is simply another term for a novated lease, in which you purchase a vehicle using your pre-tax salary. Car salary sacrifice loans are essentially three-way contracts.

Alex Ritchie

Alex Ritchie -

20 Nov, 2023 -

5 min read

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Investment Funds

What is passive income?

Passive income can be loosely defined as investment returns that require little to no effort to attain. Imagine if you could retire sooner, repay your credit card debts, grow your savings and/or bolster your investment portfolio to generate further sources of passive income.

Peter Terlato

Peter Terlato -

30 Jan, 2023 -

6 min read

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Term Deposits

Are term deposit accounts subject to capital gains tax?

The tax you pay on a profit generated by a term deposit is not classified as capital gains tax. Interest earned on a term deposit is considered income though and would need to be included in your annual income tax return.

Alex Ritchie

Alex Ritchie -

09 Nov, 2022 -

3 min read

Browse more Term Deposits articles

Home Loans

Bendigo Bank launches fast pre-approvals for BEN Express Home Loans

Bendigo Bank has just announced their digital home loan, BEN Express, now offers pre-approvals. The feature, which was delivered in partnership with Tiimely, could see some house hunters receive pre-approval within minutes.

Eden Radford

Eden Radford -

25 Mar, 2024 -

3 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

Home Loans

What to expect from the RBA meeting in February 2024

In the leadup to the first meeting of the year for the Reserve Bank of Australia (RBA) board, economists from Australia's leading banks are in agreement that interest rates should stay on hold this month. That leaves two questions: how long will it take for inflation to fall into the RBA’s target band, and when will the first interest rate cut arrive?

Mark Bristow

Mark Bristow -

02 Feb, 2024 -

5 min read

Browse more Home Loans news

Superannuation

Are retiring Boomers paying too much super tax?

More and more Australians are approaching retirement age, when it’s time to start accessing their superannuation savings. But many of these older Australians could be paying too much tax on their super investment earnings, which could be fixed by making one change.

Mark Bristow

Mark Bristow -

24 Aug, 2023 -

3 min read

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Income Protection Insurance

Australian income on the rise

Australians have seen their incomes rise over the years. Have these gains been evenly distributed, though?

Kate Wick -

13 Oct, 2014 -

4 min read

Browse more Income Protection Insurance news

Term Deposits

Maximise your savings: top terms deposits for May 2023

Now may be an opportune time to compare a range of term deposit accounts and the different options that are available.

Peter Terlato

Peter Terlato -

12 May, 2023 -

3 min read

Browse more Term Deposits news

Savings Accounts

Australians tipped to be saving more of their incomes in the next three years

Australians are hanging on tight to their money, with savings levels tipped to stay high in the next three years.

Alison Cheung

Alison Cheung -

22 Sep, 2020 -

5 min read

Browse more Savings Accounts news

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Income Protection Insurance

Income Protection Insurance News

The latest income protection insurance news and tips

-

15 Feb, 2018 -

0 min read

Personal Loans

How to get a personal loan on a low income

Learn about low income personal loans and boosting your credit score at RateCity. Discover your options, including potential alternatives, for finance on a low income.

Alex Ritchie

Alex Ritchie -

30 Aug, 2018 -

4 min read

Income Protection Insurance

Income Protection Insurance Articles

Your source of Income Protection Insurance articles and tips

-

15 Feb, 2018 -

0 min read

Income Protection Insurance

Income Protection Insurance

Compare Income Protection Insurance and get some offers. Compare interest rates, fees and repayments with RateCity to find the best loan for you

RateCity

RateCity -

15 Feb, 2018 -

0 min read

Nonspecific

Young buyers turn to the bank of mum and dad

Gone are the days of paying off the family mortgage using one, or even two, incomes. New research from RateCity.com.au shows a staggering number of young couples are needing parents to chip in to enter the property market.

Laine Gordon

Laine Gordon -

20 Jan, 2016 -

3 min read

Home Insurance

Compare landlord insurance options

Landlord insurance offers specific coverage for homeowners against rental income loss, property damage, and for any personal contents within the property.

Peter Terlato

Peter Terlato -

17 Oct, 2023 -

10 min read

Browse more Home Insurance search

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

Car Loans

Search and compare low income car loans

Find low income car loans at RateCity with a database of over 90 car loan providers. View interest rates, fees and more to find what suits your needs.

-

15 Feb, 2018 -

0 min read

Browse more Car Loans search

Credit Cards

Low income credit card options for pensioners, unemployed or Centerlink

A low income doesn't mean there aren't credit card options for you. Find and comare eligible low income credit cards with RateCity.

Alex Ritchie

Alex Ritchie -

15 Jan, 2018 -

5 min read

Credit Cards

Compare high income credit cards

Find a credit card that suits your needs. Compare interest rates, balance transfer rates, annual fees and more from Australia's leading lenders, big and small.

Alex Ritchie

Alex Ritchie -

15 Jan, 2018 -

7 min read

Credit Cards

Find a platinum card to reward your spending

If you’re a big spender, have a high income and want lots of lucrative rewards, a platinum credit card might be just what you’re looking for.

Vidhu Bajaj

Vidhu Bajaj -

07 Dec, 2017 -

9 min read

Browse more Credit Cards search

Home Loans

Compare low income and guarantor home loans

Struggling to save a deposit? Find guarantor home loans at RateCity and compare interest rates and fees to find the mortgage to suit your needs.

Alex Ritchie

Alex Ritchie -

07 Dec, 2016 -

11 min read

Browse more Home Loans search

Personal Loans

Search and compare rental bond personal loans

Search rental bond personal loans at RateCity and compare over 288 personal loan products. View interest rates, fees, features and more.

Peter Terlato

Peter Terlato -

15 Dec, 2016 -

8 min read

Browse more Personal Loans search

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Income Protection Insurance

Income Protection Insurance News

The latest income protection insurance news and tips

-

15 Feb, 2018 -

0 min read

Personal Loans

How to get a personal loan on a low income

Learn about low income personal loans and boosting your credit score at RateCity. Discover your options, including potential alternatives, for finance on a low income.

Alex Ritchie

Alex Ritchie -

30 Aug, 2018 -

4 min read

Income Protection Insurance

Income Protection Insurance Articles

Your source of Income Protection Insurance articles and tips

-

15 Feb, 2018 -

0 min read

Income Protection Insurance

Income Protection Insurance

Compare Income Protection Insurance and get some offers. Compare interest rates, fees and repayments with RateCity to find the best loan for you

RateCity

RateCity -

15 Feb, 2018 -

0 min read

Nonspecific

Young buyers turn to the bank of mum and dad

Gone are the days of paying off the family mortgage using one, or even two, incomes. New research from RateCity.com.au shows a staggering number of young couples are needing parents to chip in to enter the property market.

Laine Gordon

Laine Gordon -

20 Jan, 2016 -

3 min read

Term deposits

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Income Protection Insurance

Income Protection Insurance News

The latest income protection insurance news and tips

-

15 Feb, 2018 -

0 min read

Personal Loans

How to get a personal loan on a low income

Learn about low income personal loans and boosting your credit score at RateCity. Discover your options, including potential alternatives, for finance on a low income.

Alex Ritchie

Alex Ritchie -

30 Aug, 2018 -

4 min read

Income Protection Insurance

Income Protection Insurance Articles

Your source of Income Protection Insurance articles and tips

-

15 Feb, 2018 -

0 min read

Income Protection Insurance

Income Protection Insurance

Compare Income Protection Insurance and get some offers. Compare interest rates, fees and repayments with RateCity to find the best loan for you

RateCity

RateCity -

15 Feb, 2018 -

0 min read

Nonspecific

Young buyers turn to the bank of mum and dad

Gone are the days of paying off the family mortgage using one, or even two, incomes. New research from RateCity.com.au shows a staggering number of young couples are needing parents to chip in to enter the property market.

Laine Gordon

Laine Gordon -

20 Jan, 2016 -

3 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Income Protection Insurance

Income Protection Insurance News

The latest income protection insurance news and tips

-

15 Feb, 2018 -

0 min read

Personal Loans

How to get a personal loan on a low income

Learn about low income personal loans and boosting your credit score at RateCity. Discover your options, including potential alternatives, for finance on a low income.

Alex Ritchie

Alex Ritchie -

30 Aug, 2018 -

4 min read

Income Protection Insurance

Income Protection Insurance Articles

Your source of Income Protection Insurance articles and tips

-

15 Feb, 2018 -

0 min read

Income Protection Insurance

Income Protection Insurance

Compare Income Protection Insurance and get some offers. Compare interest rates, fees and repayments with RateCity to find the best loan for you

RateCity

RateCity -

15 Feb, 2018 -

0 min read

Nonspecific

Young buyers turn to the bank of mum and dad

Gone are the days of paying off the family mortgage using one, or even two, incomes. New research from RateCity.com.au shows a staggering number of young couples are needing parents to chip in to enter the property market.

Laine Gordon

Laine Gordon -

20 Jan, 2016 -

3 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Income Protection Insurance

Income Protection Insurance News

The latest income protection insurance news and tips

-

15 Feb, 2018 -

0 min read

Personal Loans

How to get a personal loan on a low income

Learn about low income personal loans and boosting your credit score at RateCity. Discover your options, including potential alternatives, for finance on a low income.

Alex Ritchie

Alex Ritchie -

30 Aug, 2018 -

4 min read

Income Protection Insurance

Income Protection Insurance Articles

Your source of Income Protection Insurance articles and tips

-

15 Feb, 2018 -

0 min read

Income Protection Insurance

Income Protection Insurance

Compare Income Protection Insurance and get some offers. Compare interest rates, fees and repayments with RateCity to find the best loan for you

RateCity

RateCity -

15 Feb, 2018 -

0 min read

Nonspecific

Young buyers turn to the bank of mum and dad

Gone are the days of paying off the family mortgage using one, or even two, incomes. New research from RateCity.com.au shows a staggering number of young couples are needing parents to chip in to enter the property market.

Laine Gordon

Laine Gordon -

20 Jan, 2016 -

3 min read