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

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 -

19 Jan, 2024 -

4 min read

Credit Score

Making multiple home loan applications can have adverse effects on your credit history, credit score and your likelihood for approval from any one of the lenders.

Alex Ritchie -

03 Jul, 2023 -

4 min read

Home Insurance

Many apartments are already covered by strata insurance, so you may not need to apply for a traditional home insurance policy to cover damage to the property. However, strata insurance may not always offer the cover you need. If you’re one of the 10% of Australians who live in apartments, it could be worth comparing contents insurance policies and other options.

Mark Bristow -

26 Apr, 2024 -

4 min read

Home Insurance

Purchasing a new home is exciting, but can also be a busy time. One of the most important things you’ll need to do after purchasing a property is to organise insurance.

Mark Bristow -

22 Feb, 2024 -

4 min read

Home Insurance

Whether you're the owner of a luxury watch or a collection of prized timepieces, you may want the peace of mind that comes with knowing you’re covered in the event of loss or damage. Knowing some key facts about watch insurance, and being aware of some important limitations, can help make sure you’re not left high and dry.

Mark Bristow -

20 Feb, 2024 -

3 min read

Home Loans

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 -

29 Feb, 2024 -

11 min read

Home Loans

Many home buyers are unaware that your application can still be denied even after gaining pre-approval. Not only that, but pre-approval can expire. Let's explore why your application may have been denied.

Alex Ritchie -

22 Aug, 2023 -

4 min read

Home Loans

You can make an offer to purchase a property by private treaty without having pre-approval from a mortgage lender. However, nothing is final until the contracts are exchanged and signed, so you could miss out on your dream property if you can’t get your home loan organised fast enough.

Mark Bristow -

11 Aug, 2023 -

5 min read

Car Loans

Buying a car with a pre-approved loan can make choosing easier, as you know how much you’re allowed to spend. Here’s how the process works.

Vidhu Bajaj -

28 Sep, 2023 -

7 min read

Car Loans

Applying for a car loan can sometimes be more overwhelming than buying the car itself, with all the research and paperwork involved. And even once you’re ready to apply for a car loan, there’s no guarantee that your application for car finance will be approved.

Mark Bristow -

13 Sep, 2023 -

8 min read

Car Loans

Selling a car that is still under finance can be tricky, as the lender is technically the car’s owner. You may need the lender’s approval unless you can pay off the loan.

Jodie Humphries -

08 Jan, 2022 -

3 min read

Credit Cards

A new banking app to be launched by NAB at the end of the year will allow customers to start using their credit cards the minute they are approved.

Credit Cards

Whether you’re struggling financially, or just running a fiscal health check in preparation for the new financial year, you may be considering whether your credit card is still the best tool to make payments, or if you should switch to other methods, such as Buy Now Pay Later (BNPL) services like Afterpay.

Alex Ritchie -

30 May, 2023 -

8 min read

Credit Cards

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 -

12 Jul, 2023 -

5 min read

Superannuation

It is possible to use the money in your superannuation fund to help cover the cost of your mortgage in certain circumstances, such as if you’re retiring or are in financial hardship. However, accessing your super fund early can make a big difference to your retirement lifestyle. 

Mark Bristow -

21 Jul, 2023 -

4 min read

Car Insurance

Let’s explore the most common reasons why car insurance claims are denied, helping you steer clear of potential pitfalls.

Alex Ritchie -

23 Nov, 2023 -

4 min read

Car Insurance

Even if you buy comprehensive car insurance, some incidents may not be covered, such as breakdowns. Consider checking all exclusions when purchasing the policy.

Alex Ritchie -

14 Aug, 2023 -

4 min read

Car Insurance

The level of claims service offered by your car insurance company is basically the level at which they deny or approve claims.

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

Personal Loans

Personal loans can be a helpful financial tool, but it’s important to understand your eligibility before you consider applying for one.

Georgia Brown -

08 Jul, 2022 -

3 min read

Personal Loans

Whether you’re paying for home renovations or need to consolidate debt, if you’re in need of a large lump sum you may be considering taking out a personal loan. Whatever your reason, you may be curious as to how much you can request to borrow and the maximum amount a lender would give you.

Alex Ritchie -

25 Aug, 2022 -

5 min read

Investment Funds

Before you start up an SMSF, you'll have to ask yourself if you're prepared for the responsibility, work out an investment strategy and seek out help from others.

Laine Gordon -

29 Jun, 2014 -

3 min read

bnpl

Pay It Later works like any other buy now, pay later (BNPL) service, allowing you to purchase items up to your approved credit limit (capped at a maximum of $1,000) and pay for them in four weekly instalments. What sets Pay It Later apart is the P2P option on the Pay It Later app that can be used to buy second-hand items from independent sellers online. 

Jodie Humphries -

06 Apr, 2022 -

5 min read