Only 15 cashback home loan offers left: where you can still get a cashback deal in July

In July, only 15 lenders were still offering cashback deals on the RateCity database. This is down from a record high of 35 in March 2023. Let’s explore the cashback deals for home loans still on offer.

How much you could earn with the highest term deposit rates

RateCity has crunched the numbers on the current highest term deposit rates on its database for 12 month, 3-year and 5-year fixed terms, to see how much you could save with these interest rates. 

Is it possible to refinance with late mortgage payments? 

There may be some specialist lenders who will accept your refinance even if you have late payments. While not every lender will accept you - particularly if your credit score has fallen - it is worth comparing your options. 

How much does it cost to refinance?

If you are weighing up the pros and cons of refinancing, you will need to consider the costs involved in the process.

Will multiple home loan applications affect my credit rating?

Making multiple home loan applications can have adverse effects on your credit history, credit score and your likelihood for approval from any one of the lenders.

Refinancing a home loan with bad credit

Managing your finances is rarely easy, but this can prove especially challenging if you’ve had problems with bad credit in the past. Whether you’re doing it tough due to circumstances beyond your control, or you’re trying to make up for money mistakes you’ve made in the past, a bad credit score can cast a long shadow over your future financial dealings, including refinancing a home loan.

How long does it take to get conditional approval? This mortgage lender can do it in 20 minutes

Home loan customers are looking to speed and efficiency as a priority when it comes to their mortgage goals. AMP Bank are offering customers the ability to have their mortgage application processed in a matter of minutes.

Can a debt collector affect your credit score?

When you miss repayments, a creditor may outsource the chasing of this debt to a debt collector. A debt collector cannot directly change your credit score, but having poor payment behaviour typically can affect it.

Ditch loan application fees with this lender offering an EOFY special

Looking to ditch one of the most expensive fees associated with taking out a car loan or a personal loan? OurMoneyMarket is giving eligible customers a helping hand this end of financial year with a waived application fee offer. 

Credit cards offering the biggest sign-up rewards points bonuses in June

Looking for a credit card that goes above and beyond with its generous rewards points on sign up? Points chasers may take advantage of June’s competitive credit cards offering bulk six-figure reward points bonuses on sign up.