Jodie Humphries

Mortgage protection insurance vs life insurance | RateCity

Have you planned what will happen to your mortgage and other financial responsibilities after you die? Mortgage protection and life insurance are two options that can help.

What is the accumulation phase in superannuation? | RateCity

While you’re working and building the balance in your super, your account is in the accumulation phase. What does this mean, and what is the tax rate that applies to it? Find out more about the accumulation phase in superannuation.

Understanding mortgage borrowing limits | RateCity

Mortgage borrowing limits are set by banks to reduce their risk exposure. Lenders calculate them based on your current financial situation and how much you can afford to repay.

What banks look at for a home loan? | RateCity

When you apply for a home loan, lenders will want to survey your financial track record and look at your spending habits. You should be prepared to supply everything banks require for a home loan.

Is it worth getting a multi-car insurance policy? | RateCity

Is multi-car insurance worth it? Are you wondering if you can get discounts, save some time and minimise paperwork? A multi-car insurance policy can save time and effort and improve your chances of getting discounts on premiums.

Salary sacrifice or after-tax contributions: which should you choose? | RateCity

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?

How do car auctions work? | RateCity

If you’re considering purchasing a car at auction, you may wonder how car auctions work. This guide gives you the information you need to buy a car via an auction.

Understanding ANCAP car safety ratings to compare vehicles | RateCity

The ANCAP rating system helps give you an idea of a car’s safety standards and how different models compare when it comes to safety before you purchase.

Zip Money: What Is It and How Does It Work? | RateCity

Zip Money, one of two Buy Now, Pay Later (BNPL) services offered by Zip Co, can be used for purchases over $1,000. Check the repayment conditions.

What is a cash advance on your credit card and how much does it cost? | RateCity

You can use a cash advance to get cash from your credit card, but it’s likely to cost you more than using your card to pay for things.