Getting your foot on the property ladder with a house that ticks all your boxes can be a difficult task. However, what if you find the house you have been looking for, but you now have to watch it slip through your hands because you don’t have your financing or a pre-approval to convince the seller to take your offer? Pre-approvals are created to help you stand a chance of snapping up your dream h...

Who can resist the smell of a new car? The fresh seats, and the thought of knowing that this gleaming vehicle now belongs to you. But this can continue to remain a dream if you do not prepare yourself financially by covering your basis. Here are 6 things you need to cover before purchasing a car. The sobering part If you do not have a budget set in place, it can be easy for you to get carried a...

A kid’s understanding of money varies from child to child. However, teaching your child to be financially savvy can set them on the right path for life. Impulse buying for your child with your credit card because they say they want something or another child has that item and therefore they would like it too should be dealt cautiously while they are still young. This could cause you to misuse your...

The first sign of a sickness will make you head towards your medicinal cabinet to find a pill, or a liquid mixture that will make you feel better. 9 in 10 Australians take some form of medication to help heal both mild to serious illnesses. Some of the medication that we take is also to prevent genetic illnesses from affecting the quality of life we have. But does the medication you take affect yo...

Australians spend most of their time commuting to and from one place to another. Since we spend most of our time on the go, we have developed a few habits that have turned our cars and public transport into a second home away from home. Some habits are must have t make the trip more enjoyable while some might irk other commuters. But what type of a commuter are you? 400 hrs are spent commuting in...

As newly weds there are major financial decisions that you need to make together. More so, if you are purchasing large items such as a car. You want to ensure that you agree on what type of car you would like and how much you are willing to part with to pay for your new set of wheels. However, there are quite a few other factors that you will need to discuss beyond the performance and appearance o...

The Australian property market is a restless one that can see things heat up and cool down in a matter of months, and with everyone trying to get a slice of a property market worth $7.5 trillion it pays to keep up to date.  Where do we currently stand in numbers? Whether you are a first-time property owner, or you own multiple properties, you know that investing in property is no child’s play and...

Getting car insurance for your car is the most important thing that you can do when it comes to protecting your car. But how sure are you that you are getting the best value for every buck you spend on your insurance? At the end of the day, it will be the quality of your car insurance that will protect you every time you hit the road. Here is a checklist to test the quality of your car insurance. ...

Driving is one of those most important things that show that you are now becoming a fully fledged adult. Although L plate drivers might appear to be a nuisance to some drivers on the road and can keep the person who borrowed them the car up at night in fear that their beloved car might come back damaged or even worse. The best thing to do is to get car insurance for an L plate driver that will pu...

If you are in the home loan market you might have come across a few phrases that leave you wondering “what does that mean?” unfortunately in such instances, ignorance is not bliss. Not knowing what a term means can have financial repercussions. It pays to ask. Research suggests that 40% of home loan borrowers have no idea what Lender’s Mortgage Insurance (LMI) means and we are here to help clear ...

The perks of having a credit card is the convenience that comes with it. Especially when it boils down to paying off large bills. However, there are a few habits that could stiffly your credit card score along with causing you unnecessary financial loss. Sometimes it is the little things that count and can see you paying more on your credit card bill at the end of the month. These are the five thi...

You will be surprised to find how easy it is to reach your credit limit with a single purchase. The general rule is to use no more than 30% of the credit that is available to you. However, not checking your statements along with your credit report can land you in hot water whereby you make one purchase that force you to carry over your credit cards balance. This can have a negative effect on your ...

With so many ways to finance your car which one should you choose? If you are looking into dealership finance, you will soon find the pros and cons of having your car financed through a dealership car loan. At the end of the day, we all want something that is manageable and affordable. However, before you go in to finance your car with dealership finance these are a few things that you need to con...

A credit cards interest rate plays a crucial part when it comes to how much you will be paying on your cards monthly balance. The average daily balance you accrue on your credit card is multiplied by the daily rate of your APR. This is then multiplied by the outstanding amount on your credit card. Here is how your APR will affect how much you end up paying on your credit card. Wrapping your mind ...

Credit cards come in handy when making those important purchase. However, if you feel that your card will give you a better swiping edge if it had a couple of zeros added to it there are a few things you need to consider. Five to be exact. Although it might increase your swiping power, it can come with a considerable amount of responsibility such as knowing your limits and managing your spending....

Being able to use your credit card online from the comfort of whatever device you have is the equivalent of having the best of both worlds. The rise of online shopping has made it possible to find things that are not yet available in Australia at a more affordable price. However, with online fraud also on the rise, you might be sceptical on whether you should swipe online or go about your shoppin...

Let’s face it. There are a few driving habits that you do when no one is looking but could make you turn red with embarrassment should you be caught, or even worse, cause an accident. There are few driving habits that you might be doing that you are not even aware are illegal in Australia. We are leaving out the sneaky texting while driving, and crossing when the lights are red. Neither are we go...

Life insurance policy limitations in the past could have prevented people with pre-existing medical conditions from getting a cover, but with so many options on the market, it is now possible to find a life cover that will provide financial stability for your loved ones. You might be requested to undergo a medical test, but that doesn’t mean you will be ruled out to receive cover. Here is what yo...

When it comes to buying a car, many Australians understand that this important step proves that money doesn’t grow on trees. Australia is a car-loving nation with 1,182,631 new cars that were purchased in 2017. Data by the Australian Bureau of Statistics revealed that 236,451 that most of these new or used cars were purchased with a car loan. But before you go and get a car loan to finance your w...

What if putting down your cigarette could help you save much more than cigarette money, but also help you save on your life insurance premiums? Smoking can impact how much you end up paying and can make your premiums two to three times higher than someone who does not smoke. These are some of the things you need to consider when deciding on quitting smoking. The effect of smoking on your life c...

Cancelling your life insurance policy can happen for various reasons; there might be some life changes that require a new policy, the premiums have become expensive, or you are not satisfied with what your policy is currently offering. Whether you get a full refund will be determined by your insurers free look period to opt out of your policy. This are the additional things that you need to consi...

The underwriter plays a crucial role in how much cover you get for life insurance along with how much you pay in premiums. An underwriter essentially assesses your risk and will then determine what cover will adequately suit you. However, to do this they look at a variety of factors before delivering the final results. Here is how an underwriter can affect the end results of your cover. How doe...

When you are at the prime of your health, life insurance might be the last thing that you would be thinking about. However, there are benefits of getting life insurance while you are still healthy. Life insurance policies are split into TDP, income protection, income protection and Critical illness cover of which you can choose from to slowly build your policies to something substantial. Here are...

Take a moment and think about what would happen to your loved ones should you fall critically ill or pass away? Do you a financially sound future lying ahead for them? Family life cover is created to help protect and provide your loved ones with a financially sound future that does not seem them struggling financially. It is an affordable cover that can give you and them peace of mind knowing tha...

There is a time frame for most things that you apply for. These help us know how long we can keep using something before it becomes void or needs replacement. The same goes for your income protection. There are time frames that you need to be aware of to ensure that you will still be able to use it when you need it the most. If you exceed certain time frames you could face additional financial ex...

Terminal illness cover is part of life insurance and is there to cover you financially should you be diagnosed with a terminal illness. While you and your loved ones battle out this difficult time, you can rest assured knowing that you and your loved ones are protected financially. This is a basic guide to understanding how illness cover works. What is terminal illness cover? The definition of ...

To get the most out of your life insurance policy is to understand how it works. There are various conditions, time frames, and life insurance lingo that comes with taking out a policy that might be initially confusing to grapple with, but we offer a basic guide that can assist in smoothening out the process for you. If you are wondering how life insurance pay outs work, this basic guide will hel...

Family is the most important thing that anyone can have, and we most certainly will do anything to protect. Life is unpredictable, and circumstances may shift, but you can have peace of mind by protecting your family’s security with family life cover. This will ensure that should you pass away they will be taken care of financially. Your life cover can be updated to support your family whenever y...