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Home Loans

A tale of two cities: offset balances hit a new record high as arrears climb

The latest APRA data shows money in offset accounts hitting a record high, while mortgage arrears continue to climb.

Eden Radford

Eden Radford -

13 Mar, 2024 -

5 min read

Home Loans

Inflation growth at two-year low: does this mean no more rate hikes?

The latest figures from the Australian Bureau of Statistics (ABS) show that Australia has experienced its lowest rate of inflation growth in two years. So, what does this mean for Australia’s interest rates in 2024, and for Australian home loans in turn?

Mark Bristow

Mark Bristow -

31 Jan, 2024 -

3 min read

Home Loans

Apply now or wait? Some of the top-rated home loans in February 2024

With interest rates on hold for the time being, the next question for many Australian borrowers and refinancers is whether they should apply for a home loan now or later. In either case, it’s important to compare home loan options and make the best decision to suit your financial situation and personal goals. 

Mark Bristow

Mark Bristow -

06 Feb, 2024 -

3 min read

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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

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

Scam stats: how to stay safe these holidays

Fraud on payment cards is returning to pre-pandemic levels, with authorities and police warning Australians to be vigilant against scammers over the Christmas and New Year holidays.

Mark Bristow

Mark Bristow -

22 Dec, 2023 -

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

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Savings Accounts

Will you grow your wealth this year? Some of the top-rated savings accounts in February 2024

Australia’s inflation may be falling faster than previously predicted, which could make it easier for savers to grow their wealth. However, it’s important to consider more than just interest rates when comparing savings account options.

Mark Bristow

Mark Bristow -

07 Feb, 2024 -

3 min read

Savings Accounts

Some of the top-rated savings accounts in October 2023

The Reserve Bank of Australia (RBA) held the cash rate at 4.10% in October 2023 for the fourth month in a row. While it’s not yet certain if the cash rate has peaked, there are several banks offering savings accounts with interest rates that may be able to help you beat inflation.

Mark Bristow

Mark Bristow -

05 Oct, 2023 -

3 min read

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Personal Loans

Some of the top-rated personal loans in March 2024

Data shows Australians are increasingly looking to personal loans to secure finance. However, before committing to a personal loan, it’s important to compare the available options and consider your needs to make sure you’re selecting a loan that offers the most value for your needs.

Mark Bristow

Mark Bristow -

13 Mar, 2024 -

3 min read

Personal Loans

Some of the top-rated personal loans in January 2024

A new year is a popular time to set new goals and commence new projects. But do you have the finance available to get your plans out of the concept stage and transform them into tangible reality? The right personal loan may be able to help, but it’s important to carefully compare your options first.

Mark Bristow

Mark Bristow -

16 Jan, 2024 -

3 min read

Personal Loans

Some of the top-rated personal loans in December 2023

New lending indicators from the Australian Bureau of Statistics (ABS) found that in October 2023, the number of new fixed term personal loans rose by 2.1% compared to the month before, to $2.5 billion.

Mark Bristow

Mark Bristow -

05 Dec, 2023 -

2 min read

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Term Deposits

How far can your savings take you? Some of the top-rated term deposits in February 2024

Has your term deposit been effectively losing you money in the past? With Australia’s inflation falling faster than expected, it may be getting easier to find term deposits that can keep your money from going backwards. But it’s important to compare the available options and choose a term deposit that will suit your needs and help you reach your savings goals.

Mark Bristow

Mark Bristow -

12 Feb, 2024 -

3 min read

Term Deposits

Stash your savings: top term deposits for November 2023

If you’re considering putting away some of your hard-earned savings, you may want to compare several term deposit accounts to discover those offering the most attractive rates and features that fit your savings goals.

Peter Terlato

Peter Terlato -

10 Nov, 2023 -

2 min read

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Car Loans

Would new emissions standards affect which car you’ll buy? Some of the top-rated car loans in February 2024

Australians bought record numbers of new vehicles in January 2024, with most being SUVs and Light Commercial vehicles. However, with new emissions standards potentially on the cards, how could this affect your choice of vehicle, and in turn your choice of car loan?

Mark Bristow

Mark Bristow -

07 Feb, 2024 -

3 min read

Car Loans

Electric vehicle sales are up: What Australians need to make the switch

Battery electric vehicle and plug-in-hybrid sales have increased in March. However, there’s still a gap that must be addressed before more Australians make the switch to sustainable vehicles. 

Alex Ritchie

Alex Ritchie -

05 Apr, 2023 -

3 min read

Car Loans

Car crime stats up

Keep an eye on your car keys _ new figures from the Australian Bureau of Statistics (ABS) show that in 2016, car crime across Australia reached its highest level since 2012, driven by spiking car theft numbers in key states.

Mark Bristow

Mark Bristow -

07 Jul, 2017 -

1 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

Home Insurance

Top 10 storm hotspots – is your home covered?

New research has revealed the locations in New South Wales, Victoria and Queensland that were hit hardest by wild weather over the past financial year. With Australia coming into an El Nino summer, it’s important to make sure your home insurance is prepared, especially if you’re living in one of these areas.

Mark Bristow

Mark Bristow -

16 Nov, 2023 -

4 min read

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Home Insurance

Renting out a room in your home: Are you insured?

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

Mark Bristow -

09 Feb, 2024 -

5 min read

Home Insurance

Insurance for watches: A comprehensive guide to safeguarding your timepieces

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

Mark Bristow -

20 Feb, 2024 -

3 min read

Home Insurance

Accidental damage home insurance: Protect your home from the unexpected

A home can be your pride and joy, but home ownership also means dealing with damages, which may need a quick DIY fix or major repairs. Home insurance with cover for accidental damage can provide a financial safeguard if your home needs extensive - and expensive - repairs.

Mark Bristow

Mark Bristow -

19 Feb, 2024 -

4 min read

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Credit Score

Four habits to keep your credit score top notch

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

Mark Bristow -

15 Feb, 2024 -

4 min read

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

Does your credit score directly relate to how much money you can take out?

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

Alex Ritchie -

19 Jan, 2024 -

4 min read

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Credit Cards

How to read your credit card statement

f you’ve ever pondered all the figures, limits, summaries and warnings that are often included on your monthly credit card statement, we’ve put together a simple guide to help decipher this document.

Peter Terlato

Peter Terlato -

21 Aug, 2023 -

6 min read

Credit Cards

How does a credit card interest free period work?

You’ve nabbed a credit card with a high number of interest free days but realised you’re not quite sure when the first day starts, or if your interest free days apply to each new purchase.

Vidhu Bajaj

Vidhu Bajaj -

20 Apr, 2023 -

8 min read

Credit Cards

How do credit card refunds work?

You may wonder how to get a refund processed and how long it might take to appear on your credit card statement. We've got the answers to all this and more.

Peter Terlato

Peter Terlato -

23 Aug, 2023 -

7 min read

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Car Loans

What is a sports car, and what to consider when buying one?

The appeal of sports cars extends far beyond their performance, making them a choice for those who seek excitement and aspire to make a statement on the road.

Vidhu Bajaj

Vidhu Bajaj -

08 Sep, 2023 -

7 min read

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Home Loans

Checklist of documents needed for a home loan application

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

Mark Bristow -

25 Aug, 2023 -

3 min read

Home Loans

Everything home buyers need to know about stamp duty

There are many costs associated with buying a home, and stamp duty is one of the biggest. Stamp duty is a tax charged by states and territories on property purchases. This not only includes real estate, but business assets, vehicles, and some gifts and insurance policies.

Mark Bristow

Mark Bristow -

07 Nov, 2023 -

11 min read

Home Loans

What is the average Australian home loan amount?

According to the Australian Bureau of Statistics (ABS), the average home loan amount in Australia for owner-occupier dwellings as of May 2023 is about $584,836, which may seem like a lot. But you must remember that the state and capital city you reside in is an important factor that determines the property values, which in turn influences the average Australian home loan.

Mark Bristow

Mark Bristow -

17 Jul, 2023 -

2 min read

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Car Insurance

What are the car insurance rates by age and gender?

How much you may be charged for car insurance is influenced by a range of factors, with your age and gender being key deciders for insurance providers. 

Alex Ritchie

Alex Ritchie -

31 Oct, 2023 -

4 min read

Car Insurance

What are the most common reasons your car insurance claim will be denied?

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

Alex Ritchie

Alex Ritchie -

23 Nov, 2023 -

4 min read

Car Insurance

Which insurer offers the most suitable seniors’ car insurance policy?

For Australian seniors, car insurance usually costs more with age, and no insurer offers a specific policy. But they may be able to get some discounts.

Alex Ritchie

Alex Ritchie -

22 Aug, 2023 -

5 min read

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Bank Accounts

How can I find bank accounts in my name?

If you’ve ever opened more than one bank account in the past, could you have forgotten about some money that you’ve left behind, which is still waiting to be claimed? And if you think you might have, or if you’re not quite sure, how can you go about finding these outstanding accounts and claiming this unclaimed money?

Mark Bristow

Mark Bristow -

29 Jun, 2023 -

4 min read

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Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Superannuation

Statewide Super

Statewide Super

-

01 Jan, 2016 -

0 min read

Nonspecific

RateCity's First Home Buyers Report

The state of the nation

RateCity

RateCity -

18 Oct, 2010 -

1 min read

Superannuation

StatePlus Superannuation

StatePlus Super Performance Review

-

27 Jun, 2018 -

0 min read

Credit Cards

Compare American Express credit cards

Compare a range of American Express (Amex) credit cards to help find one that suits your needs and budget.

Vidhu Bajaj

Vidhu Bajaj -

01 Aug, 2023 -

9 min read

Credit Cards

Credit card instalment plans

A credit card instalment plan is a payment option that allows you to spread out your credit card repayments over a set period of time, rather than paying off the full balance every statement period (or when your cash flow allows).  

Alex Ritchie

Alex Ritchie -

19 May, 2023 -

4 min read

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Car Loans

Search and compare car loans for temporary residents

Explore car finance for non residents of Australia. Compare car loans for visa holders to find a product that works with your circumstances.

Peter Terlato

Peter Terlato -

13 Nov, 2023 -

9 min read

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Home Loans

Compare Home loans in WA

Find home loans in Western Australia and compare loans with rates from 5.48%. View product details, interest rates and fees to find the home loan to suit your needs at RateCity

Mark Bristow

Mark Bristow -

19 Oct, 2016 -

3 min read

Browse more Home Loans search

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Superannuation

Statewide Super

Statewide Super

-

01 Jan, 2016 -

0 min read

Nonspecific

RateCity's First Home Buyers Report

The state of the nation

RateCity

RateCity -

18 Oct, 2010 -

1 min read

Superannuation

StatePlus Superannuation

StatePlus Super Performance Review

-

27 Jun, 2018 -

0 min read

Nonspecific

RateCity Awards Licence Terms and Conditions

RateCity awards licence terms and conditions

Mahendra Duddempudi -

23 Jan, 2024 -

19 min read

Superannuation

Statewide Super

Statewide Super

-

01 Jan, 2016 -

0 min read

Nonspecific

RateCity's First Home Buyers Report

The state of the nation

RateCity

RateCity -

18 Oct, 2010 -

1 min read

Superannuation

StatePlus Superannuation

StatePlus Super Performance Review

-

27 Jun, 2018 -

0 min read