New year, new home loan: 34 lenders offering cashback deals in January

This month, there are 34 lenders offering cashback deals for both refinancers and new buyers. These deals range from $1,500 to $10,000, depending on the size of your home loan. 

Does paying off a credit card immediately improve your credit score?

One of the best ways to boost your credit score so is by paying off your credit card debt. It may take a few weeks, or up to three months, for your credit score to update once you pay off your credit card balance.

Is it possible to get a credit card with no credit history? | RateCity

Not having credit can lead an issuer to decline your application for a new credit card, but it's different from having bad credit on your file

Top car loans to help you finance your 2023 car purchase

New year, new car? If you’re considering purchasing a new or used vehicle this year, it’s crucial that you compare your loan options carefully to ensure you choose the best option for your needs and budget. 

Can credit card rewards points be capped?

Many issuers have strict point earning caps. Luckily, there are strategies available which may help you to avoid your point-earning ability being limited. 

Is flooding covered by home insurance?

With more and more flooding events occurring in Australia, it’s a no-brainer to investigate whether your home insurance covers damages from floods.

Six top questions refinancers should ask a mortgage broker

Before you pick up the phone and get in contact with your local mortgage broker, it’s worth understanding some of the key questions you should be asking them. 

Trying to crack the housing market? Here are six factors you must consider

Many young Australians are still finding ways to crack the housing market – and secure a competitive mortgage as well. Let’s explore six key factors to consider before you try and nab a property that may help you get a competitive home loan in the process.

Is a mortgage a secured or unsecured loan?

A mortgage typically uses the property you are purchasing as collateral against the loan. In the worst-case scenario where you default on your mortgage, the lender may seize the property and sell it to reclaim its lost funds.

Travel to Bali or Japan with these frequent flyer credit cards offering big points bonuses on sign up

This month, the RateCity database shows 17 credit cards offering bulk Qantas frequent flyer points on sign up, ranging from 20,000 points to 150,000 points.