Alex Ritchie

Will my personal loan repayments drop with a new interest rate?

Your personal loan repayments will drop with a new, lower interest rate. However, you will typically need to negotiate or refinance for a lower interest rate, as a personal loan rate may not fluctuate with the RBA's cash rate. 

What is comprehensive car insurance?

A comprehensive car insurance policy can be expensive, but it covers not just your liability for accidents, it can also protect you and your car.

Can you apply for a personal loan on behalf of someone else?

The simple fact is that no, in Australia you generally cannot apply for a personal loan on behalf of someone else. However, there are alternative options you could consider. 

Biggest Qantas frequent flyer points at credit card sign up this September

In September, there are 18 providers offering credit cards with Qantas frequent flyer points bonuses on sign up that range from 20,000 points to 150,000 points.

Biggest credit card reward points bonuses on sign up: September 2023

This month, there are nine credit card issuers offering competitive six-figure bulk bonus rewards points ranging from 100,000 to 275,000 points. 

Home insurance cancellation and refunds: what you need to know

A home insurance policy gives you the peace of mind, but there are certain situations when you may want to cancel your existing policy. You typically may be able to cancel your home insurance policy at any time without having to wait for your renewal notice. 

Interest rates on the rise: how to afford your higher mortgage repayments

The Reserve Bank of Australia has hiked the cash rate again, so what can homeowners do right now to help give their budget some breathing room and better afford higher mortgage repayments?

Cashback offers up to $10k: where you can still nab a cashback home loan deal

In September, there are 15 lenders offering cashback deals. RateCity shows you which lenders are still offering cashback deals for new and refinancing customers. 

The benefits of refinancing a home loan

If you’ve been paying off your home loan for some time now, you’ve likely thought about refinancing. After all, the chances that your current home loan is still the best option available for you may not be as high as you think. 

How can I calculate my car insurance premium?

Every insurer has its own metrics and algorithms for calculating your insurance premium. But you can do some of the guesswork yourself by taking stock of your situation and utilising car insurance calculators.