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Personal Loans Articles

How to Refinance Your Loans Safely Without Credit Impacts

In today's financial climate, many Australians find themselves exploring options to manage and optimise their financial commitments. One option gaining popularity is loan refinancing. But what exactly is loan refinancing, and how can it benefit you, especially without negatively impacting your credit score? - read more

A Credit-Savvy Approach to Loan Comparison: What Every Australian Borrower Needs to Know

Welcome to your essential guide on how to navigate the complex world of personal loans in Australia. Whether you're seeking to finance a major purchase, consolidate debt, or cover unexpected costs, understanding the nuts and bolts of personal loans is crucial. In this conversation, we'll shed light on why being credit-savvy is not just smart, but necessary for anyone considering a loan. - read more

Comparing Loan Options: Strategic Thinking for the Financially Conscious Australian

As Australians navigate the complex world of finance, understanding the nuances of borrowing can make a significant difference in one’s economic well-being. Being credit-savvy is not just about securing a loan; it's about making informed decisions that align with your long-term financial goals. In this pursuit, comparing loan options emerges as a crucial step for the financially conscious Australian. - read more

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Finance News

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know

03 Dec 2025: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at curbing potential risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending portfolios. This move is designed to address concerns over escalating property prices and accelerated credit growth. - read more

Commonwealth Bank's Q1 Profit Growth: Balancing Volume and Margin Challenges

03 Dec 2025: Paige Estritori

The Commonwealth Bank of Australia (CBA), the nation's largest lender by market value, has reported a modest increase in its first-quarter cash profit, reaching approximately A$2.6 billion—a 2% rise from the previous year. This growth is primarily attributed to strong performances in home loans and household deposits, which saw increases of A$9.3 billion and A$17.8 billion, respectively. - read more

Australians Tighten Budgets to Enhance Home Loan Eligibility

03 Dec 2025: Paige Estritori

In response to stringent lending criteria, a significant number of Australians are actively reducing their spending and personal debt to improve their chances of securing or refinancing home loans. A recent survey conducted by Finder, involving over 1,000 participants, revealed that 18%—approximately 3.9 million people—have taken such measures over the past five years to meet lender requirements. - read more

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Knowledgebase

Interest-Only Loan:
A type of loan where the borrower only pays the interest on the principal balance for a set term.

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