Alex Ritchie

Should you refinance or negotiate a better home loan rate?

After you’ve held your mortgage for a few years, a question that often comes up is whether to refinance to something better, or to negotiate with your current lender for a better interest rate?

Car sales continue to climb: top rated car loans for September

If you’re on the hunt for a new vehicle, you’re not alone, as new data shows that vehicle sales achieved their highest result on record last month. So, how can you get ahead of the competition? By nabbing a competitive car loan.

Is now the time to look for a term deposit?

If you’re trying to pick the peak of the market to lock in a higher rate on your term deposit, now may be the time to consider doing so.

1% rate cut next year: What would that mean for mortgage holders?

Many of the big banks have forecast that we could be seeing cuts to the cash rate throughout 2024 - 2025. Find out what this could mean for your home loan.

Can you break a term deposit?

It’s usually possible to withdraw your money from a term deposit early if you need the cash back in your pocket. But doing so may require providing advance notice to the bank, and you may miss out on earning interest on your savings.

Can my credit card points expire?

Here is everything you need to know about how credit card points can be limited and even removed by your card provider.

Unlock high interest rates: First Option Bank's exclusive high-rate term deposit

If you’ve been on the hunt for a competitive term deposit rate, you’ll want to pay attention to this. First Option Bank is offering an exclusive high rate term deposit account just for RateCity customers.

4 things to consider before bushfire season this summer

In the face of Australia's unpredictable bushfire season, taking proactive measures for your home may better protect your family, property, and future.

Is it worth refinancing my mortgage for one percent?

While some people say that it’s worth refinancing for a rate cut of one percent, a reduction of even half a percentage point could help your household gain some breathing room in your budget. 

Is there any danger in taking out a variable rate loan?

You may have heard friends or family mention the “dangers” of taking out a variable rate home loan. Let's explore the risks and the benefits of a variable rate home loan.