Jodie Humphries

Amex Black Centurion Card Australia | RateCity

The American Express Centurion Card (also called the AMEX black card) is one of the most exclusive cards worldwide and is only available on an invitation basis. Let's explore some of the facts we know about this luxury credit card.

Is additional borrowing on a mortgage possible?

If you need to pay for a large expense, one of your options is to top up your mortgage. Find out how much you can borrow and how you can use the extra funds.

Leasing vs buying a car in Australia: Which should you choose?

Wondering if you need to own a car, or if leasing one serves your purposes? Discover which option makes more sense to you financially.

Should I apply for a mortgage through a bank or a broker?

You may consult a mortgage broker to find a suitable home loan, but if you have a bank account you can check if that bank offers a suitable mortgage too.

Why should I choose a joint mortgage?

You may be able to borrow more and face less risk through a joint mortgage, but you should have a clear arrangement with the person taking the loan with you.

What are the different types of car loans?

When you need a loan to buy a car, different types of car loans are available, and what you choose will affect your financial planning. 

Can I take out a loan against my home’s equity?

You can use the equity in your home as a deposit for taking out another loan. But lenders may require a home valuation before reviewing your loan application.

Advantages & Disadvantages of Paying off your Mortgage Australia

Paying off your mortgage early can have several advantages. It enables you to own your home sooner by getting rid of your debt and saves money on interest charges. But is it the best option for you when it comes to wealth creation?

What is a direct debit?

Direct debit is often the preferred or only way to pay for recurring bills or subscriptions. Find out how to set up a direct debit and the pros and cons of using this payment method.

What is gainful employment under superannuation regulations?

You can access your super when you reach your preservation age if you’re no longer gainfully employed. And if you’re over 67, you can add to your super again if you’re gainfully employed. So what is considered as gainfully employed for superannuation purposes?