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

Home Loans

People who bought in the last couple of years and borrowed at capacity are set to plunge further into mortgage stress when the eleventh RBA hike hits their bank accounts.

Laine Gordon -

15 May, 2023 -

6 min read

Home Loans

Following another RBA decision to keep the cash rate on hold, RateCity has found the average mortgage holder could save tens of thousands by refinancing.

Nick Bendel -

03 Oct, 2017 -

2 min read

Superannuation

Women have higher levels of education than young men, but still graduate with lower salaries and retire with smaller nest eggs, according to the ABS.

Alex Ritchie -

27 Sep, 2018 -

2 min read

Superannuation

Employees don’t need to do anything with regards to the increase in super contributions. Your employer has the responsibility of making the necessary adjustments. However, it's sensible to regularly review your super payments.

Peter Terlato -

30 Jun, 2023 -

5 min read

Superannuation

If you��_re one of the 3 million Aussies who have been shortchanged on super contributions, you��_re in luck.

Alex Ritchie -

14 Jul, 2017 -

3 min read

Savings Accounts

Workers who expect a sizeable salary increase in the next 12 months have been given a reality check by a new survey.

Nick Bendel -

02 Jun, 2017 -

2 min read

Savings Accounts

A total of five banks now offer at least one ongoing savings rate above 5 per cent, as competition in the savings sector continues to heat up.

Laine Gordon -

01 Jun, 2023 -

5 min read

Savings Accounts

Females have closed the pay gap on males, according to new data from the Australian Bureau of Statistics. Full-time adult average weekly ordinary-time earnings reached $1,567.90 in November 2017 _ an increase of 2.3 per cent on the previous year. That included an increase of 2.9 per cent for females and 2.0 per cent for males.

Nick Bendel -

22 Feb, 2018 -

2 min read

Life Insurance

Life is full of surprises and they aren��_t all guaranteed to be good. That��_s where income protection insurance can help. Income protection insurance can pay up to 75 per cent of your salary while you are unable to work, to help you meet essential repayments and keep your family budget afloat.

Bank Accounts

Our personal wealth is declining according to research from Roy Morgan, but you can make some simple changes that put you ahead today.

Alex Ritchie -

20 Apr, 2019 -

4 min read

Income Protection Insurance

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

bnpl

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 -

05 Jul, 2023 -

8 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

When you decide to buy a car, you also need to determine your budget. So, how much should you spend on a car? Here are the things you need to consider.

Vidhu Bajaj -

23 Oct, 2023 -

7 min read

Car Loans

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 -

07 Nov, 2022 -

3 min read

Home Loans

You may be able to salary sacrifice into a home loan if your employer allows it, but there may be limits on the amount of salary sacrificing possible. 

Jodie Humphries -

22 Nov, 2020 -

5 min read

Home Loans

Once you’ve decided to apply for a home loan, the first step is to start gathering the necessary documents for the application process. While the exact disclosures required can differ from lender to lender, there are specific documents that are usually mandatory to supply while applying for a mortgage. Even if your lender requires additional documents, preparing the basics beforehand could save you considerable time.

Mark Bristow -

25 Aug, 2023 -

3 min read

Home Loans

Many traditional lenders may not be willing to offer a home loan to sole traders. However, there are other lenders who can help borrowers with the right track record.

Vidhu Bajaj -

16 Jan, 2023 -

5 min read

Superannuation

Finding additional ways to increase your super balance could help you live a comfortable post-working life. This is where making salary sacrifices comes into play.

Alex Ritchie -

28 Aug, 2017 -

3 min read

Superannuation

Voluntary contributions to your super can help you reduce your tax burden and grow your wealth. But should you make these by salary sacrifice or after-tax contributions?

Jodie Humphries -

09 Sep, 2022 -

3 min read

Superannuation

Salary sacrificing is perfect for when your existing compulsory contributions just aren't enough. But how does it work and what must you remember?

Laine Gordon -

12 Nov, 2014 -

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

Savings Accounts

Why a penny saved is worth more than a penny earned

Nick Bendel -

12 Feb, 2018 -

3 min read

Savings Accounts

Close the gap between your salary and your savings to find the right savings account to suit your lifestyle. We are only saving about 2.3 percent of our earnings according to ABS figures.

Laine Gordon -

15 Apr, 2010 -

4 min read

Bank Accounts

Taking the plunge and combining your finances with a partner can be an exciting stage in life. However, sharing finances can also create some challenges if you don't do your homework first and put some sensible plans and structures in place.

Laine Gordon -

18 Jun, 2012 -

2 min read

Bank Accounts

You won’t be able to withdraw money from locked savings accounts for a fixed amount of time, you may earn more interest than with a standard account.

Jodie Humphries -

18 Dec, 2020 -

3 min read

Bank Accounts

If you find yourself struggling with an outstanding debt, at some stage you could be contacted by a debt collector. In this situation, remember that both debtors and debt collectors have rights and obligations. For example, a debt collector cannot take money directly from your bank account or salary without a court order.

Mark Bristow -

06 Dec, 2022 -

2 min read

Credit Cards

Search, compare and apply for some of the best credit cards and lowest interest rates at RateCity.com.au. Compare by rates, CANSTAR star ratings, or by lender.

RateCity -

08 Oct, 2008 -

3 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

Bank Accounts

Compare low fee bank accounts with RateCity. Keep costs down and find a low, or no, fee bank account today.

Nick Bendel -

24 Nov, 2017 -

5 min read

Superannuation

Compare super funds suited towards those with 457 Visa's. Find 457 Visa super funds that suit your needs and career.

Nick Bendel -

22 Nov, 2017 -

3 min read