Understanding 4x4 car insurance in Australia

If you own a 4x4 and are planning to use it to go offroad, it’s important to choose the right 4wd car insurance to suit your needs. Understand what insurers offer to decide.

Do you need a business card?

Using your personal credit card when you start your business may be tempting. However, getting a separate card for your business might be more financially wise.

When building a house, when do you start paying the mortgage?

When you need to start repaying the mortgage on a new building really depends on your lender, so make sure you know before you start building to help minimise the financial burden.

What's the real cost of buying your first home?

Deciding when you are ready to buy your first home plagues a lot of people. It's a big financial commitment and as most of us know, life doesn't always go according to plan. The biggest factor for most is the monthly repayments but often we overlook the other home loan costs that come with purchasing our first home.

What does the government offer for first home buyers?

Purchasing your first home is generally the largest purchase most Australians will have made. Buying your fist home is both an exciting and worrying time for most Australians. With low interest rates in Australia it is a great time for new buyers to enter the market.

Are honeymoon rates a good way to find the best mortgages?

Honeymoon rate mortgages are also known as introductory mortgages because banks often tempt you with a low rate for the first few years of your home loan. RateCity has found some of the lowest rates on introductory mortgage rates to bring you one step closer to your new home.

Are bigger mortgage lenders better? 

Bigger doesn't always mean better. When it comes to shopping around for a competitive home loan don't restrict yourself to big banks or well-known brands, as smaller lenders could save you more money.

How to pick the right home loan for you

Choosing the right home loan can feel like drawing straws. There as so many Australian lenders and once you choose one, you then have to decide on the different home loan types they are offering. That is why it's essential that you carry out your own home loan comparisons so that you know what's going to work best for you.

Should you make the switch to fixed rates?

With home loan interest rates at the lowest seen in years, homeowners are wondering if it is a good time to switch over to a fixed rate.

Who can help you manage your superannuation?

Managing your superannuation can seem complex, which is why some Australians choose to get professional help from a financial planner. But it’s also possible to manage a lot of your superannuation yourself.