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Credit Score

Does Afterpay affect your 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

Vidhu Bajaj -

15 Mar, 2024 -

5 min read

Credit Score

Where to get your credit score for free

Your credit score offers an indication of how credit-worthy you are, and how likely you are to pay your debts on time. If you’re seeking an efficient and safe way to discover your credit score, sign up for a free inquiry.

Eden Radford

Eden Radford -

16 Jan, 2024 -

4 min read

Credit Score

Do credit inquiries impact my credit score?

Your credit score is a three-digit number representing how much of a risk you could pose to lenders when opening a new line of credit. It’s determined by applying some complex algorithms to the information in your credit file, which is essentially a record of your financial history.

Vidhu Bajaj

Vidhu Bajaj -

18 Aug, 2023 -

6 min read

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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

Switching home insurance: A comprehensive guide

There are many reasons why you might choose to switch home insurance. You might be looking to save money with a new provider, seeking more comprehensive cover, or looking for a better customer service experience.

Mark Bristow

Mark Bristow -

16 Feb, 2024 -

3 min read

Home Insurance

What does building insurance cover?

Home insurance can be daunting, especially when trying to protect your most valuable asset - your home. Building insurance plays a crucial role in safeguarding homeowners from financial loss due to damage or destruction of their property. Understanding the essentials of building insurance and its costs may help you save some money on your policy.

Mark Bristow

Mark Bristow -

12 Feb, 2024 -

3 min read

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Credit Cards

How to transfer Flybuys to Velocity

You can link your Flybuys account to your Velocity account and transfer your accumulated Flybuys points to Velocity points or set up an automatic points transfer.

Peter Terlato

Peter Terlato -

16 Aug, 2023 -

4 min read

Credit Cards

PayPal versus credit cards: Which is the better online payment option?

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

Vidhu Bajaj -

20 Jul, 2023 -

9 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

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Home Loans

10 questions to ask your mortgage broker

How do you separate the good from the bad brokers? To make the process easier, here are 10 questions to ask while you’re shopping around for brokers and then deciding which home loan to select.

Alex Ritchie

Alex Ritchie -

07 Jul, 2023 -

6 min read

Home Loans

Perks and pitfalls to watch out for when you're mortgage shopping

It��_s not just interest rates that can hurt your bottom dollar. Fees and establishment costs can make a big difference to the amount you pay for your mortgage.

Laine Gordon

Laine Gordon -

08 Apr, 2011 -

2 min read

Home Loans

What is an unconditional home loan approval & can you be denied after approval?

You can start house shopping with a conditional home loan, but you’ll only receive the funds after you get final unconditional home loan approval.

Jodie Humphries

Jodie Humphries -

10 Feb, 2021 -

4 min read

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Car Loans

Should I get a car loan through a dealer?

When it comes time to purchase your first or next car, you may assume that simply taking out a loan at a car dealership is your best option. However, you could be missing out on potential savings by shopping around and comparing your options.

Alex Ritchie

Alex Ritchie -

26 Oct, 2023 -

4 min read

Car Loans

Green car loans

If you are concerned about the environment, you can now be rewarded when shopping for a car with the introduction of green car loans. There are several features to consider when shopping for a car, which can impact your environmental footprint.

RateCity

RateCity -

14 Mar, 2010 -

1 min read

Car Loans

Find out how to finance a car today

There's plenty to consider when shopping for a car loan that's right for you. Take the guesswork out of it by learning more about how car financing works.

RateCity

RateCity -

14 Apr, 2021 -

2 min read

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bnpl

Afterpay vs LatitudePay: difference between the two BNPL services

Both Afterpay and LatitudePay are popular buy now, pay later (BNPL) services, but they have different terms and conditions you should learn about before choosing either.

Vidhu Bajaj

Vidhu Bajaj -

20 Jun, 2023 -

9 min read

bnpl

What is PayPal Pay in 4 and how does it differ from other BNPL services?

PayPal Pay in 4 is a buy now, pay later (BNPL) service available to PayPal users for breaking down their shopping into smaller, interest-free instalments payable over six weeks. Unlike other BNPL services like Afterpay, Pay in 4 doesn't charge any late fees to users on missing a repayment, but it can report the default to credit bureaus.

Vidhu Bajaj

Vidhu Bajaj -

04 Jul, 2023 -

6 min read

bnpl

What is a "Buy Now Pay Later" service?

Buy Now Pay Later (BNPL) platforms allow paying for your purchases using an app and repay the amount in affordable instalments over time.

Vidhu Bajaj

Vidhu Bajaj -

14 Jun, 2023 -

8 min read

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Savings Accounts

Ten ways to save on grocery shopping

10 great ideas for reducing the cost of feeding the family and outsmarting supermarket marketing traps.

Laine Gordon

Laine Gordon -

03 Mar, 2013 -

5 min read

Savings Accounts

Should you shop around for a bargain?

Do you pull out your credit card at the whiff of a bargain? Here are reasons why shopping around and jumping online could save you money.

Laine Gordon

Laine Gordon -

11 Sep, 2014 -

3 min read

Savings Accounts

Five ways to save money at home

Last calendar year, Australians spent $642 billion on general living expenses, according to ASIC's MoneySmart.

Laine Gordon

Laine Gordon -

18 Apr, 2013 -

3 min read

Browse more Savings Accounts articles

Bank Accounts

Can I have a PayPal account without a bank account?

You don’t need a bank account to send or receive money through PayPal. However, you do need a bank account if you want to withdraw money from your PayPal account.

Alex Ritchie

Alex Ritchie -

17 Aug, 2023 -

4 min read

Bank Accounts

Coles rewards vs Woolworths rewards

Both Coles and Woolworths supermarkets have loyalty programs that offer customers rewards for their shopping loyalty. But is one better than the other?

Nick Bendel

Nick Bendel -

04 Dec, 2017 -

3 min read

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Car Insurance

Compare car insurance quotes online

When shopping around for comprehensive car insurance, compare car insurance quotes online at comparison websites such as RateCity.

RateCity

RateCity -

19 Oct, 2010 -

3 min read

Car Insurance

Cheapest Car Insurance Providers

One of the most effective ways to find one of the cheapest car insurance providers available is by shopping and comparing car insurance quotes online.

RateCity

RateCity -

19 Jul, 2010 -

1 min read

Car Insurance

What does ‘choice of repairer’ mean, and is this an insurance option you really need?

When shopping for car insurance, it’s worth understanding what options may be available under different policies and how much value they could offer you.

Georgia Brown

Georgia Brown -

22 Aug, 2022 -

4 min read

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Credit Cards

New year = more debt for Australian credit card holders

Household credit card debt rose by more than a quarter of a billion dollars in the month of January as shoppers struggled to clear their debts following a bumper spendathon in November.

Eden Radford

Eden Radford -

07 Mar, 2024 -

4 min read

Credit Cards

Credit card debt creeps up as Australians pare back December spending

Australia’s total credit card bill attracting interest charges crept up in the month of December, hitting a total of $17.31 billion, an increase of almost $21 million.

Eden Radford

Eden Radford -

07 Feb, 2024 -

4 min read

Credit Cards

Card spending hits new record high in November

Card spending hit a record high in November, with the latest RBA data showing the total value of transactions on both debit and credit cards reached $76.38 billion.

Eden Radford

Eden Radford -

12 Jan, 2024 -

6 min read

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Home Insurance

Insurance pushing cost of living upwards – how’s your cover?

It may surprise no-one to learn that Australia’s cost of living has increased over the past quarter. However, it was higher insurance premiums across house, home contents and motor vehicles that contributed to some of the largest price rises. Which could mean now is as good a time as ever, to be looking carefully at your current policies and comparing some alternatives to see if you could be getting better deals.

Mark Bristow

Mark Bristow -

08 Feb, 2024 -

3 min read

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Bank Accounts

What is the lipstick effect?

Do you know that lipstick sales are considered a way to know if we’re in a recession? It’s called the lipstick effect, or the lipstick index, and it’s regarded by some as a helpful way to understand how consumers are responding to an economic downturn.

Eden Radford

Eden Radford -

25 Mar, 2024 -

4 min read

Bank Accounts

Shopping online can help Aussies save money

Australians looking to save money, whether to build up a house deposit or save for retirement, may be able to shrink their household spending simply by doing their weekly grocery shopping online.

Mark Bristow

Mark Bristow -

07 Mar, 2022 -

2 min read

Bank Accounts

All that Christmas shopping is causing financial stress

Australians have bought an average of 11 Christmas presents, at a total cost of $240, but many would have rather cut back, a survey has found.

Nick Bendel

Nick Bendel -

24 Dec, 2018 -

2 min read

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Home Loans

What to expect from the RBA meeting in March 2024

According to many economists, the Reserve Bank of Australia (RBA) is unlikely to change the national cash rate at its upcoming meeting on 18 and 19 March 2024. The real question is whether recent economic updates could affect when the RBA is likely to announce its first rate cut.

Mark Bristow

Mark Bristow -

12 Mar, 2024 -

5 min read

Home Loans

Some of the top-rated home loans in September 2023

Just because the Reserve Bank of Australia (RBA) kept the national cash rate on hold at 4.10% for the third meeting in a row, that’s no reason for Australian home buyers to get complacent.  Major banks and mortgage lenders have still been raising their interest rates out of cycle from the RBA, making it important to also consider comparing offers from their smaller competitors. 

Mark Bristow

Mark Bristow -

05 Sep, 2023 -

3 min read

Home Loans

CBA and ANZ hike mortgage rates but ANZ leaves savers in the cold

CBA will be passing on the full hike to all three of their key savings accounts. As a result, the highest ongoing savings rate from Australia’s biggest bank will be 4.65 per cent for all adults, while YouthSaver customers will get 4.75 per cent, provided they meet the bank’s terms and conditions.

Laine Gordon

Laine Gordon -

09 Jun, 2023 -

6 min read

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Savings Accounts

The latest Gen Z trends? Saving and budgeting

As inflation and the cost of living put the squeeze on more Australian budgets, one generation is actively taking steps to save money and stay ahead of the curve. But how effective could these strategies be for reaching your savings goals?

Mark Bristow

Mark Bristow -

22 Jan, 2024 -

3 min read

Savings Accounts

ASIC sounds alarm about market research scam

Australia��_s financial services regulator has warned consumers about a scam that is pretending to recruit people for market research gigs. ASIC said that some cold-callers are claiming to be organising a ��_shadow shopping��_ or ��_mystery shopping��_ project for ASIC _ that is, recruiting people to purchase services such as financial advice to help assess the standards in the market.

Nick Bendel

Nick Bendel -

14 Feb, 2018 -

2 min read

Savings Accounts

Savings rates could hit 6% by August as deposits hit a new record high

 A total of 12 banks are now offering ongoing savings rates of 5 per cent or more, with two banks leading the charge with rates of 5.50 per cent.

Eden Radford

Eden Radford -

30 Jun, 2023 -

4 min read

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Car Insurance

Worst suburbs for shopping centre car park collisions: Are you insured for the holiday season?

Discover the most at-risk times of day, and suburbs for shopping centre car park collisions. It is a timely reminder to take time this silly season to ensure that your car insurance policy is the best fit for you. 

Alex Ritchie

Alex Ritchie -

20 Dec, 2023 -

3 min read

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Credit Score

5 ways to protect yourself from fraud

With increased awareness of the threat of cyberattacks, it’s easy to feel concerned about the safety of your personal information. Criminals with access to your details could steal your identity, fraudulently run up debts in your name, and ruin your credit score, making accessing money and credit in the future much harder.

Mark Bristow

Mark Bristow -

21 Oct, 2023 -

5 min read

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Car Loans

Soggy heist: car buyers beware

Australians shopping on the used-car market are being warned against potential rip-offs as thousands of water-damaged vehicles flood the market.

Laine Gordon

Laine Gordon -

23 Mar, 2012 -

2 min read

Car Loans

Brokers arranging low-rate car loan deals for car buyers

If you’re shopping around for a new or used vehicle, there are several prominent finance brokers offering some of the cheapest car loans in Australia.

Nick Bendel

Nick Bendel -

05 Sep, 2019 -

2 min read

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Credit Cards

Credit cards with Google Pay

Google Pay is a convenient way to pay for your shopping with just a wave of your smart device. Not all credit cards offer access to Google Pay, so it’s essential to compare the choices available to you before deciding.

Mark Bristow

Mark Bristow -

05 May, 2023 -

4 min read

Credit Cards

Compare KrisFlyer reward cards

KrisFlyer is the Singapore Airlines Group’s rewards program. Frequent flyers can earn and redeem KrisFlyer miles by booking flights and travel, but also by using a rewards credit card for your everyday shopping and more.   

Mark Bristow

Mark Bristow -

22 Nov, 2017 -

6 min read

Credit Cards

Compare first credit cards

So how do you find your first credit card and ensure your application isn’t rejected? This guide will take you through what you need to know.

Alex Ritchie

Alex Ritchie -

07 Dec, 2017 -

9 min read

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Nonspecific

RateCity 2012 Christmas Shopping Survey

How many Australians will be relying on their credit cards to survive Christmas shopping? Are we feeling pressured to spend more than we can afford?

RateCity

RateCity -

15 Dec, 2012 -

1 min read

Nonspecific

The future of faster shopping: tap & go' technology

New microchip technology in credit cards expected to speed up transactions. But is it more of a security risk to fraud and theft? How you can keep your money safe using ‘tap & go’

RateCity

RateCity -

21 Oct, 2010 -

1 min read

Nonspecific

Canberra drivers could save 58% on car insurance

Canberra comprehensive premiums have been flat to declining over last six months. But Canberra drivers can still save 58% on average by shopping around!

RateCity

RateCity -

29 Mar, 2011 -

1 min read

Nonspecific

Borrowers warned to compare before jumping in

Major banks increase market share despite higher headline interest rates. Potential to save $22,000 in interest charges by shopping around and haggling!

RateCity

RateCity -

06 Jun, 2010 -

1 min read

Home Loans

Ratecity specials

Shopping for a home loan or credit card may not seem like the worlds most exciting task but with plenty of lenders offering cashback deals, gift cards and travel cards.

RateCity

RateCity -

04 Dec, 2017 -

2 min read

Nonspecific

RateCity 2012 Christmas Shopping Survey

How many Australians will be relying on their credit cards to survive Christmas shopping? Are we feeling pressured to spend more than we can afford?

RateCity

RateCity -

15 Dec, 2012 -

1 min read

Nonspecific

The future of faster shopping: tap & go' technology

New microchip technology in credit cards expected to speed up transactions. But is it more of a security risk to fraud and theft? How you can keep your money safe using ‘tap & go’

RateCity

RateCity -

21 Oct, 2010 -

1 min read

Nonspecific

Canberra drivers could save 58% on car insurance

Canberra comprehensive premiums have been flat to declining over last six months. But Canberra drivers can still save 58% on average by shopping around!

RateCity

RateCity -

29 Mar, 2011 -

1 min read

Nonspecific

Borrowers warned to compare before jumping in

Major banks increase market share despite higher headline interest rates. Potential to save $22,000 in interest charges by shopping around and haggling!

RateCity

RateCity -

06 Jun, 2010 -

1 min read

Home Loans

Ratecity specials

Shopping for a home loan or credit card may not seem like the worlds most exciting task but with plenty of lenders offering cashback deals, gift cards and travel cards.

RateCity

RateCity -

04 Dec, 2017 -

2 min read