What is LatitudePay and how does it work?

LatitudePay is a buy now, pay later (BNPL) provider with a similar business model in New Zealand. It lets you spend up to $1,000 and pay it back in 10 weekly instalments, with the first instalment due on the day of the purchase.

What happens if I don’t activate a credit card?

Most credit cards cannot be used until they are activated, but leaving a card unactivated also carries some fraud risk. Check if you can cancel the card.

What is Cardano and how does it work?

Cardano is a public blockchain platform with its own cryptocurrency called ADA. ADA is the world’s largest cryptocurrency to use a proof-of-stake blockchain, which is considered a more sustainable alternative to proof-of-work ones.

Automate your savings with an automatic savings account

Do you notice your fortnightly car repayments, iphone bill or charity contributions when they are direct debited from your account? Based on the same concept as direct debiting, setting up an automatic savings plan can help you to save more and help you reach your financial goals sooner.

What is mortgage restructuring?

Mortgage restructuring can help you keep up with your mortgage in difficult times by changing the terms of your mortgage. But if you only want a lower interest rate, you may consider refinancing your home loan.

Can I use a balance transfer credit card to pay off a personal loan?

Balance transfer cards are generally used to pay off credit card debts, but you could also balance transfer a personal loan in some cases to pay it off sooner.

The pros and cons of using buy now pay later

A BNPL platform could help you better plan your finances through staggered payment plans, but you could be hit by late payment fees if you’re not careful.

The real cost of buying a home that needs renovation

Purchasing a fixer-upper home could save you upfront costs but there are plenty of other things to consider, especially the cost of renovating your home.

What is the difference between owner-occupied and investor home loans?

If you're planning to buy a house, you'll most likely apply for a mortgage to pay for it. However, whether you apply for an owner-occupied or investor home loan will depend upon the purpose for which you're going to use the property. As the name implies, an owner-occupied home loan is for individuals who wish to purchase a house to live in. On the other hand, an investor loan is for people who plan to buy a house and use it to earn rental income.

Can I transfer my Amex Membership Rewards points to Qantas?

If you enjoy travelling, you can choose to turn your American Express Membership Rewards points into Qantas points to pay for your next vacation. However, to transfer your Amex points to Qantas, you need to be an Ascent Premium member.