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Interest rates play a vital role when it comes to borrowing money. They determine how much extra you'll pay on top of the amount you've borrowed. - read more
It is no secret that the foundation of financial well-being is rooted in effective budgeting. In today's fast-paced world, where consumerism reigns, understanding how to manage one's finances has never been more crucial. Budgeting is not merely about restraining spending; it’s about creating a strategic plan that aligns with your financial goals and lifestyle. It allows individuals to gain control over their money, rather than letting their spending habits dictate their life course. - read more
Welcome to our beginner's guide on personal loans during financial hardship. Navigating financial challenges can be overwhelming, but personal loans could serve as a viable solution. This article will cover what personal loans are, how they work, and why they might be beneficial during tough times. - read more
Debt can often feel like a formidable obstacle on the path to financial stability. Many individuals battle with various forms of debt, from high-interest credit cards to significant loans that seem to have an unyielding grip on their financial lives. Recognizing the challenges that debt presents is the critical first step towards regaining control of your personal finances. - read more
Loans can play a significant role in shaping our financial landscapes. For many Australians, they are vital tools for achieving milestones like buying a home, financing education, or starting a business. However, selecting the wrong type of loan can have a detrimental impact on your financial health, leaving you with unwanted debt and stress. - read more
In simple terms, a loan is an amount of money you borrow from a lender and agree to pay back over time, often with interest. Loans come in various forms and can be tailored to suit different needs, such as buying a home, financing a car, or consolidating debt. - read more
Imagine being hit with an unexpected expense like a car repair or medical bill. Without a financial buffer, such surprises can wreak havoc on your budget. This is where an emergency fund plays its heroic role. - read more
Bad credit, often resulting from late payments, high debt levels, or other financial missteps, can feel like a major roadblock. It typically means that your credit score falls below a certain threshold and may reflect a history of financial challenges. - read more
When it comes to borrowing money, whether it's for personal use or for your small business, understanding interest rates is paramount. An interest rate, simply put, is the cost you pay to borrow money. It's typically expressed as a percentage of the principal amount you're loaned. This fee is how lenders earn on the funds they lend and is a key component you should consider before signing a loan agreement. - read more
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
The Australian Securities and Investments Commission (ASIC) has conducted a comprehensive review of the private lending sector, uncovering several areas of concern. The investigation revealed inconsistent and unclear reporting, downplayed risks, opaque fee structures, conflicts of interest, and poor valuation practices within the industry. - read more
The Australian non-bank lending sector is experiencing significant growth, attracting attention from both the Australian Securities and Investments Commission (ASIC) and the Reserve Bank of Australia (RBA). As more Australians turn to non-bank lenders for property loans, concerns about financial stability and regulatory oversight have emerged. - read more
In a significant development for Australia's financial sector, business lending has reached an unprecedented $925 billion across the nation's top 10 authorised deposit-taking institutions (ADIs) as of July 2025. This milestone underscores a robust appetite for corporate borrowing, reflecting growing economic confidence among businesses. - read more
Recent data indicates a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs), with over 54% now planning to utilise non-bank lenders for business investment in the next six months. This marks a notable increase from 47% recorded a year ago, highlighting a growing inclination among SMEs to seek alternative financing solutions that offer greater flexibility and accessibility. - read more
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at curbing high-risk lending practices within the housing market. Effective from 1 February 2026, APRA will implement a cap limiting banks to issuing no more than 20% of new home loans with debt-to-income (DTI) ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
Recent trends indicate a significant shift in the financing preferences of Australian small and medium-sized enterprises (SMEs). A growing number of these businesses are turning to non-bank lenders to meet their funding needs, driven by the desire for more flexible and accessible financing solutions. - read more
In recent years, Australia has witnessed a significant transformation in consumer financing preferences, with Buy Now Pay Later (BNPL) services emerging as a favoured alternative to traditional credit options such as credit cards and personal loans. - read more
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
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Knowledgebase
Bridging Finance: A short-term loan that covers a financial shortfall during time between the purchase of a new property and the sale of an old property.
