Alex Ritchie

Personal Finance Editor

Alex Ritchie is a Personal Finance Writer and Editor at RateCity, and has been writing about Australian finance for over six years. Her expertise and passion covers loans, credit, superannuation, and closing the gender pay gap, and she aims to help young Aussies to overcome their financial apathy. Alongside RateCity, Alex has been published in numerous publications, including Australia's Money Magazine, Business Insider, Lifehacker Australia, and in health via NPS MedicineWise.

983 articles written by Alex Ritchie

Credit Cards

How to claim Qantas frequent flyer points on Emirates

Qantas and Emirates combined network is one of the most extensive across the world. The good news for frequent flyers is that Qantas frequent flyer points may be earned from Emirates flights, depending on the destination and the fare. 

Home Loans

Unloan Review: 6 things you need to know | RateCity

CBA has today announced the availability of its new lower-rate digital home loan, Unloan. What makes this new digital home loan offer stand out and what does it mean for Australians considering refinancing?

Home Loans

How long does it take to get approved for a home loan?

How fast you can get approved for a home loan depends almost entirely on the lender. You should ensure you have the necessary information before applying.

Home Loans

Can a loan be denied after pre-approval?

Many home buyers are unaware that your application can still be denied even after gaining pre-approval. Not only that, but pre-approval can expire. Let's explore why your application may have been denied.

Home Insurance

What you should know about the cost of house insurance

Your home insurance policy should fit your budget but also offer optimal coverage. It is important to understand what you're paying for while comparing home and contents insurance options.

Car Insurance

Which insurer offers the most suitable seniors’ car insurance policy?

For Australian seniors, car insurance usually costs more with age, and no insurer offers a specific policy. But they may be able to get some discounts.

Bank Accounts

Can I have a PayPal account without a bank account?

You don’t need a bank account to send or receive money through PayPal. However, you do need a bank account if you want to withdraw money from your PayPal account.

Car Insurance

What is excess in car insurance?

No matter which car insurance policy you buy, you may be able to control the cost of the policy by agreeing to pay a higher excess.

Home Loans

What is the smallest home loan you can get?

According to the RateCity database, the smallest home loan you may be approved for is $110,480 on average. However, there are some lenders that may allow you to borrow as little as $500.

Home Loans

What is an early repayment fee?

Early repayment fees may be a thing of the past for variable rate home loan customers, but that doesn’t mean your lender still can’t sting you with other ongoing costs. It's crucial to be aware of the terms and conditions, as well as any ongoing fees, associated with your home loan.