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 Insurance

If disaster strikes and your property is damaged or destroyed home insurance can provide financial relief to help cover some or all of the costs. However, policies can be rescinded if conditions are violated.

Peter Terlato -

27 Oct, 2023 -

7 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

If you’re regularly making online payments, you’ve likely been asked to choose between checking out with your credit card details, or using PayPal. But which option is better or more secure?

Vidhu Bajaj -

20 Jul, 2023 -

9 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

Superannuation

The SMSF Association represents the self-managed super fund sector of Australia. The association works to enhance the knowledge of SMSF professionals and trustees and advocates for the sector in discussions with various stakeholders.

Jodie Humphries -

03 May, 2022 -

3 min read

Superannuation

Is it adequate to have insurance inside super? Consider the pros and cons of purchasing insurance through super and compare your options before getting the right life cover for your situation.

Jodie Humphries -

21 Jul, 2022 -

6 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