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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

Home Loans

If you own an investment property and are thinking of buying another one, you may want to use the rental income you receive from your tenants to help pay for your next mortgage. However, not all mortgage lenders will take all of your rental income into account when assessing your mortgage application.

Mark Bristow -

02 Nov, 2023 -

3 min read

Home Loans

Managing the household finances can be a juggling act from one day to the next. With the cost of living on the rise and wages not keeping up with inflation, it is becoming increasingly harder to keep your head above water.

RateCity -

08 May, 2016 -

4 min read

Home Loans

Why now's the time to pay extra off your mortgage

Laine Gordon -

05 Jun, 2014 -

3 min read

Superannuation

If you get annual leave loading, your employer should include it when calculating super guarantee contributions, except when it compensates for lost overtime.

Jodie Humphries -

21 Jan, 2021 -

3 min read

Superannuation

If you’re planning to switch jobs or your employment was terminated for any reason, it’s helpful to understand your rights before deciding on next steps. When it comes to whether your employer must pay superannuation on termination payments, the general answer is no.

Jodie Humphries -

04 Mar, 2021 -

4 min read

Superannuation

You may be eligible for an additional payment on top of your wages on the days when you are on annual leave. Find out whether annual leave loading can help you.

Jodie Humphries -

19 Jan, 2023 -

3 min read

Savings Accounts

If you earn interest on your savings, it may be taxable, just like your wages. Your bank may withhold - or deduct - tax when paying out your interest.

Jodie Humphries -

29 Jan, 2021 -

5 min read

Savings Accounts

The money advice Richard Branson swears by

Alex Ritchie -

28 Sep, 2017 -

4 min read

Savings Accounts

If our outgoings increase and our wages remain virtually the same, it doesn't take a mathematician to work out that your savings will be affected. RateCity uncovers the higher costs of living and shows you that it is possible to alleviate the effect on your savings.

Laine Gordon -

12 May, 2010 -

3 min read

Car Insurance

There are a range of car insurance providers throughout Australia that provide car insurance to the general public.

RateCity -

21 Jul, 2010 -

1 min read

Car Loans

Getting a car loan with a casual job can be tricky since you may not have the required income documents. Ask lenders about other acceptable documents.

Jodie Humphries -

15 Jan, 2021 -

4 min read

Car Loans

Self-employed individuals often don’t earn a standard wage like a permanent employee would. So, what does this mean when it comes to getting approved for a car loan?

Georgia Brown -

25 May, 2021 -

3 min read

Car Loans

You may get tax deductions on the interest and depreciation on some car loans, provided you’re using the car for business purposes.

Jodie Humphries -

15 Mar, 2021 -

4 min read

Bank Accounts

Liz Seatter -

23 Aug, 2019 -

3 min read

Bank Accounts

You may have heard stories of Centrelink accessing people’s bank accounts to check on them if fraud is suspected, but is this something it can actually do? 

Alex Ritchie -

16 Nov, 2022 -

3 min read

Bank Accounts

Switching bank accounts can be especially difficult if you have several automatic transfers, deposits and payments set-up from that account. With the current state of the financial market, interest rates on deposit accounts declining by the day, and monthly account keeping fees eating into our hard earned savings, there's no better time than now to switch accounts. The Federal Government has been working on making it easier for consumers to switch banks if they are not happy with their current provider

Laine Gordon -

17 Oct, 2008 -

4 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

Credit Cards

Controlling your credit card debt doesn't have to mean giving up all social activities and becoming a recluse. It does mean spending smarter, being aware of your credit card fees, being organised and paying your credit card balance off each month.

Credit Cards

Credit history is one of those things people forget about until they actually need it. Get your credit history back into shape with these six simple steps.

Laine Gordon -

08 Oct, 2015 -

4 min read

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

Energy

What is the average price of natural gas in Australia? This will depend on where you live, but understanding the average gas bill may help you find a better deal for your household.

Peter Terlato -

24 Nov, 2022 -

6 min read

Cryptocurrency

It’s legal to buy, sell and hold cryptocurrency in Australia. Coins are treated as taxable assets. You'll need to keep transaction records and declare your capital gains and losses. It's helpful to understand how and when crypto is taxed and this guide will explain everything you need to know.

Peter Terlato -

07 Oct, 2022 -

7 min read