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

Home Loans

How to prepare for an interest rate rise

As the interest rate is arguably the biggest ongoing cost that can influence a home loan, preparing your budget for a rate rise may be useful in reducing potential financial stress.

Home Loans

Which type of home loan is best?

There is no one-size-fits-all best home loan type. In fact, there are several home loan types available to suit a range of homeowners in Australia. 

Savings Accounts

Is it better to get a term deposit or a high interest savings account?

With the cash rate set to stay on hold before potential rate cuts in 2024, is now the time to get a high interest savings account or lock in a term deposit rate?

Home Loans

Fixed vs variable rates: which is better, and can you have both?

Whether you are buying your first home, refinancing or purchasing an investment property, make sure you compare the best home loans on the market to see if home ownership is a good financial step for you.

Home Loans

When Will Interest Rates Go Down? (Australia 2023) - RateCity

The Reserve Bank of Australia has hiked the cash rate multiple times this year alone, resulting in home loan rates rising across the country. Millions of Australian homeowners are likely asking themselves: when will interest rates fall again?

Home Loans

Interest Rate Predictions & Forecast Australia | RateCity

The Reserve Bank of Australia is forecast to hike the cash rate periodically over the next six months. Here's how high experts predict the cash rate hike may climb.

Home Insurance

What is new for old contents insurance?

Content insurance covers the household items and personal belongings in your home in case they are lost, damaged, or stolen. If you own your house, it’s possible to couple your home or building insurance with your contents policy, which is often cheaper than taking out two separate policies.

Home Insurance

What is underinsurance and how can you avoid it?

If you are an Australian homeowner, you want to know that your home insurance policy has adequate coverage in the event the worst does happen. However, many Australians may actually be at risk of being underinsured.

Home Loans

Stamp duty exemption expanded: what you need to know

In good news for first home buyers in New South Wales, stamp duty exemptions and concessions will be getting a boost. The First Home Buyers Assistance Scheme will be expanded in 2023.

Home Insurance

Do I need to buy home insurance before closing on a property?

Having adequate home insurance can help manage risks from unforeseen events. But if you’ve not yet closed on a property, you may be wondering if, and when, you’re meant to purchase home insurance.