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Personal Loans Articles

Why Having an Emergency Fund is Crucial for Your Financial Health
Why Having an Emergency Fund is Crucial for Your Financial Health
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
Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals?
Secured Versus Unsecured: Which Loan Option Aligns with Your Financial Goals?
The landscape of personal financing is broad and varied, particularly in the Australian market where individuals have access to an array of loan options. When considering lending, the fundamental distinction to comprehend is that between 'secured' and 'unsecured' loans. - read more
A Beginner's Guide to Personal Loans During Financial Hardship
A Beginner's Guide to Personal Loans During Financial Hardship
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
Interest Rates for Small Loans: Breaking Down the Basics
Interest Rates for Small Loans: Breaking Down the Basics
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
The Path to Financial Freedom: Effective Debt Management Tips
The Path to Financial Freedom: Effective Debt Management Tips
Financial freedom is the ability to live life without being burdened by the stress of money woes. Imagine having enough savings to cover emergencies, living comfortably without constant financial anxiety, and even planning for retirement confidently. This is the goal many Australians strive for – a peaceful and secure life that isn't dominated by worries about bills and debt. - read more
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Taking Control: Steps to Improve Your Credit and Secure the Loan You Need
Your credit score is much more than just a number; it's a reflection of your financial history and a determining factor in securing future loans. Understanding how bad credit can affect your loan applications is crucial in today's financial landscape. Bad credit can lead to frustration and disappointment when looking for a competitive loan offer, but don't lose heart—there are actionable steps you can take to improve your situation. - read more
The Psychological Impact of Debt: Strategies for Stress Relief and Better Fiscal Health
The Psychological Impact of Debt: Strategies for Stress Relief and Better Fiscal Health
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
The Smart Borrower's Guide: Understanding Interest Rates on Small Loans
The Smart Borrower's Guide: Understanding Interest Rates on Small Loans
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
Debt Consolidation Strategies: How to Regain Control of Your Finances
Debt Consolidation Strategies: How to Regain Control of Your Finances
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

Finance News

Rate Money Announces Rate Reductions for Self-Employed Borrowers
Rate Money Announces Rate Reductions for Self-Employed Borrowers
21 Oct 2025: Paige Estritori
In a move to support self-employed Australians, non-bank lender Rate Money has announced significant reductions in interest rates across its 'Evolve Easy Doc' loan range. Effective from June 30, 2025, the new rates start from 6.64% per annum, aiming to provide more accessible financing options for small business owners and self-employed individuals. - read more
Renown Lending Partners with Marlbury Capital to Expand SME Asset-Backed Loans
Renown Lending Partners with Marlbury Capital to Expand SME Asset-Backed Loans
21 Oct 2025: Paige Estritori
Renown Lending has announced a significant partnership with Marlbury Capital, securing a $100 million facility to expand asset-backed loans for Australian small and medium-sized enterprises (SMEs). This initiative is designed to offer fast, simple, and flexible financing solutions, enabling business owners to seize opportunities, manage cash flow, and stabilize operations. - read more
ASIC Highlights Compliance Issues Among Small Credit Lenders
ASIC Highlights Compliance Issues Among Small Credit Lenders
21 Oct 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has recently expressed concerns regarding the compliance practices of certain small credit lenders. A comprehensive review conducted by ASIC revealed that some providers of small amount credit contracts (SACCs) may be steering vulnerable consumers towards financial products that offer fewer protections, potentially exposing them to increased financial risk. - read more
Small Business Lending Surges After RBA's Interest Rate Reductions
Small Business Lending Surges After RBA's Interest Rate Reductions
13 Oct 2025: Paige Estritori
In a significant development for Australia's small and medium-sized enterprises (SMEs), recent interest rate cuts by the Reserve Bank of Australia (RBA) have led to a notable increase in small business loan applications. This trend underscores a renewed sense of optimism among business owners, eager to leverage more favourable borrowing conditions to drive growth and expansion. - read more
Expansion of Private Credit Market Opens New Financing Avenues for Australian SMEs
Expansion of Private Credit Market Opens New Financing Avenues for Australian SMEs
13 Oct 2025: Paige Estritori
The Australian financial landscape is witnessing a significant shift as the private credit market experiences substantial growth, offering small and medium-sized enterprises (SMEs) alternative avenues for financing. This expansion is particularly noteworthy in the context of traditional banks tightening their lending criteria, leaving many businesses in search of accessible funding solutions. - read more
Reserve Bank of Australia Advises Caution on Borrowing as Rate Cuts Loom
Reserve Bank of Australia Advises Caution on Borrowing as Rate Cuts Loom
13 Oct 2025: Paige Estritori
As the Australian economy anticipates potential interest rate reductions, the Reserve Bank of Australia (RBA) has issued a cautionary note to households, advising against excessive borrowing that could lead to financial instability. This advisory comes amidst a backdrop of economic recovery efforts and aims to prevent the emergence of a boom-bust cycle driven by unsustainable debt levels. - read more
Westpac's Strategic Expansion in Business Banking
Westpac's Strategic Expansion in Business Banking
05 Oct 2025: Paige Estritori
Westpac Banking Corporation has announced a significant expansion in its business banking division, with plans to recruit 350 new bankers over the next two years. This strategic move is part of Westpac's concerted effort to reclaim its leadership position in Australia's business lending market. - read more
New Credit Check Requirements for BNPL Services in Australia
New Credit Check Requirements for BNPL Services in Australia
05 Oct 2025: Paige Estritori
The Australian government has introduced new legislation mandating that buy-now-pay-later (BNPL) providers conduct credit checks on borrowers. This move aims to align BNPL services with traditional credit providers, enhancing consumer protection and financial transparency. - read more
APRA's Decision to Retain the 3% Serviceability Buffer
APRA's Decision to Retain the 3% Serviceability Buffer
05 Oct 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced its decision to maintain the 3% serviceability buffer for home loan lending. This buffer requires lenders to assess a borrower's ability to meet loan repayments at an interest rate 3% higher than the current rate, ensuring borrowers can withstand potential rate increases. - read more

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The expenses over and above the price of the property incurred by buyers and sellers when transferring ownership of a property.


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