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

Home Insurance

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 -

09 Feb, 2024 -

5 min read

Home Insurance

Whether you’re keeping the property for your own use or renting it out, getting holiday home insurance is simple once you know which policy you need to get.

Vidhu Bajaj -

06 Nov, 2023 -

6 min read

Home Loans

Redraw facilities are a way to access any additional payments you make on your mortgage but are they worth it? Weigh up the pros and cons.

Vidhu Bajaj -

11 May, 2023 -

7 min read

Home Loans

In this article we break down what rentvesting is all about, including what it means, how it works, and its pros and cons.

Vidhu Bajaj -

05 Oct, 2023 -

9 min read

Home Loans

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 -

16 Oct, 2023 -

7 min read

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 -

25 Jul, 2023 -

9 min read

Credit Cards

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 -

19 Jul, 2023 -

9 min read

Credit Cards

A credit card could be a convenient way to pay for purchases, earn rewards and build credit when used responsibly. At the same time, credit cards could also lead to financial stress.

Vidhu Bajaj -

01 May, 2023 -

6 min read

Car Loans

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 -

20 Nov, 2023 -

5 min read

Car Loans

Which are the preferred second-hand cars in Australia and how to find the right one for your needs.

Vidhu Bajaj -

21 Aug, 2023 -

9 min read

Car Loans

When buying a car, it��_s important to consider all of your options. As well as thinking about what car you should buy, you should consider how you plan to pay for it. There are several different options available, each with their own pros and cons, including paying cash to buy a car upfront, and taking out a car loan to be repaid over time.

Mark Bristow -

27 Oct, 2017 -

6 min read

Bank Accounts

If you buy anything online, you would have noticed or heard about Afterpay recently. But what are the pros and cons of making purchases with Afterpay?

Nick Bendel -

14 Dec, 2017 -

3 min read

Bank Accounts

If you��_ve never used it, this Afterpay for beginners guide is a useful way to get your head around this online payment service, before dipping your toes in.

Nick Bendel -

01 Dec, 2017 -

3 min read

Bank Accounts

Direct debit is often the preferred or only way to pay for recurring bills or subscriptions. Find out how to set up a direct debit and the pros and cons of using this payment method.

Jodie Humphries -

28 Jan, 2022 -

3 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

Nick Bendel -

25 Aug, 2017 -

3 min read

Personal Loans

If you’re a business owner needing financial support, you’d be deciding between a business loan versus a personal loan. Understanding both options will help you decide.

Jodie Humphries -

11 Jan, 2023 -

6 min read

bnpl

A BNPL platform could help you better plan your finances through staggered payment plans, but you could be hit by late payment fees if you’re not careful.

Vidhu Bajaj -

27 Jan, 2022 -

5 min read

bnpl

A buy now, pay later service could potentially help boost sales for retailers and B2B suppliers, but there are costs to pay. Discover more about buy now, pay later platforms for your business.

Jodie Humphries -

21 Mar, 2022 -

3 min read

Investment Funds

The stock market can be your best friend when prices are rising and your worst enemy when they��_re falling. You can make a lot of money - or lose it all.

Nick Bendel -

06 Oct, 2017 -

3 min read

Investment Funds

Gold aficionados swear by the stuff. Others think it makes a poor investment. The truth is in the middle _ it suits some people but not others. Like most financial products, there��_s no one-size-fits-all position. Investing in gold will suit some people��_s financial position and outlook on life, but not others��_.

Nick Bendel -

18 Jan, 2018 -

3 min read

Investment Funds

Passive and active investing are distinct investment strategies with different risk profiles and potential returns. Learn the difference between the two to find out which is suitable for you.

Vidhu Bajaj -

23 Feb, 2023 -

6 min read

Savings Accounts

Want to open a savings account but not sure if it’s the right financial decision? It may be worth weighing up the pros and cons of having a savings account to help you decide.

Jodie Humphries -

19 Apr, 2021 -

5 min read

Savings Accounts

They say you shouldn��_t keep all your eggs in one basket. But does this ��_tried-and-true��_ advice still hold up when you replace ��_eggs��_ with ��_money��_ and ��_basket��_ with ��_bank account��_? When can having multiple accounts with one or more banks be beneficial, and when can it be problematic?

Mark Bristow -

04 Sep, 2017 -

3 min read

Savings Accounts

Term deposits and high-interest savings accounts are two popular options to grow your savings but which one is right for you?

Jodie Humphries -

06 Feb, 2023 -

4 min read

Car Insurance

Paying off a car loan can chew through your salary. So should you start servicing your vehicle yourself or leave it to the experts?

Laine Gordon -

07 Oct, 2014 -

3 min read

Car Insurance

Your quote for a car insurance policy may suggest an annual premium. Still, most insurers also accept a monthly car insurance payment, often at no extra cost.

Alex Ritchie -

10 Aug, 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

Superannuation

If you’re looking for a way to invest that will guarantee a fixed income after retirement, you may consider an annuity. It’s a good idea to know the advantages and disadvantages of annuity products before you purchase one.

Jodie Humphries -

23 Jan, 2023 -

3 min read

Term Deposits

Everything you need to know about term deposits. Find out what term deposits are, as well as their pros and cons, and why lenders like them.

Nick Bendel -

16 Aug, 2017 -

2 min read

Term Deposits

Are you thinking about taking out a home loan as an investor or opening a term deposit account? There are pros and cons to both approaches.

Term Deposits

If you want a greater degree of investment certainty, then putting your savings into high interest term deposits may be an option worth considering.

RateCity -

30 Mar, 2012 -

2 min read

Cryptocurrency

A beginner’s guide to cryptocurrency ETFs to help you understand the risks involved and the benefits offered.

Vidhu Bajaj -

21 Mar, 2023 -

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

Home Loans

Brokers can be a fantastic resource. Brokers can provide tailored advice on your home loan options, based on your personal circumstances and your priorities which can vary from customer to customer.

Sally Tindall -

11 May, 2023 -

3 min read

Home Loans

NSW government may help pay 30-40% of the value of properties for frontline workers, single parents, and older single Australians in a new shared equity trial scheme. Let's explore the pros and cons of this scheme.

Alex Ritchie -

20 Jun, 2022 -

6 min read

Home Loans

Mark Bristow -

30 Jul, 2019 -

3 min read

Savings Accounts

While Australians traditionally go all-out splurging on gifts for Mum each Mother’s Day, this year we’ve had to tighten our belts, according to data from one of Australia’s Buy Now Pay Later (BNPL) providers.

Mark Bristow -

16 May, 2023 -

3 min read

Home Insurance

A report released by the Climate Council has revealed that nationwide, approximately 520,940 properties – or one in every 25 – will be effectively uninsurable by 2030.

Georgia Brown -

28 Nov, 2023 -

3 min read

Investment Funds

Criminal cartel charges are expected to be laid against ANZ, even though the bank said it ��_acted in accordance with the law��_. The Australian Competition & Consumer Commission (ACCC) announced today that ��_criminal cartel charges are expected to be laid by the Commonwealth Director of Public Prosecutions (CDPP) against ANZ, ANZ group treasurer Rick Moscati, two other companies and a number of other individuals��_.

Nick Bendel -

01 Jun, 2018 -

2 min read

bnpl

Not all Buy Now Pay Later (BNPL) companies run a credit check when you sign up for memberships, and these checks may not always affect your credit score. However, your BNPL activity could still make an impact on your credit history, which could affect your chances of seeing future credit applications approved. 

Vidhu Bajaj -

14 Jun, 2023 -

4 min read

Term Deposits

This month’s Reserve Bank of Australia (RBA) board meeting saw the official cash rate rise for the first time in over a decade. But while interest rate rises may mean one thing to mortgage holders, they may be much more appealing to long-term savers.

Georgia Brown -

10 May, 2022 -

3 min read

Credit Cards

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 -

07 Dec, 2017 -

9 min read

Credit Cards

View all product details, interest rates and fees to find the credit card that suits your needs. Find and compare credit cards at RateCity today

Alex Ritchie -

10 May, 2018 -

6 min read

Home Loans

Learn more about pros and cons of interest only home loans and mortgages. Compare interest rates from April 2024 and calculate repayments before applying.

Alex Ritchie -

10 Nov, 2016 -

8 min read

Personal Loans

Browse a wide range of personal loans for investing in shares with 289 personal loan products on RateCity's database. Compare interest rates, fees and more.

Alex Ritchie -

15 Dec, 2016 -

3 min read

Personal Loans

Find horse float loans at RateCity and compare over 289 Personal Loans. View all product details, interest rates and fees to find the Personal Loans that suits your needs at RateCity

Georgia Brown -

28 May, 2018 -

3 min read

Personal Loans

Find household bills personal loans at RateCity and compare over 289 Personal Loans. View all product details, interest rates and fees to find the Personal Loans that suits your needs at RateCity

Georgia Brown -

05 Jun, 2018 -

4 min read

Superannuation

Find and compare term deposit investment superannuation funds. Search for the term deposit investment options you prefer and make an informed choice today.

Nick Bendel -

17 Nov, 2017 -

3 min read

Superannuation

Find and compare fixed interest investment superannuation funds. Search for the fixed interest investment options you prefer and make an informed choice today.

Nick Bendel -

22 Nov, 2017 -

3 min read

Superannuation

Find and compare superannuation funds that invest in Australian shares. Search for the share investment options you prefer and make an informed choice today.

Nick Bendel -

13 Nov, 2017 -

3 min read