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Personal Loans Articles

Effective Credit Repair: Long-Term Strategies for Sustained Improvement
Effective Credit Repair: Long-Term Strategies for Sustained Improvement
Maintaining a good credit score is crucial for financial health. In Australia, a solid credit score can unlock better interest rates, higher credit limits, and improve your chances of loan approval. - read more
Your Financial Comeback: Rebuilding Credit Scores for Future Opportunities
Your Financial Comeback: Rebuilding Credit Scores for Future Opportunities
In the dynamic landscape of Australian finance, the emphasis on a robust credit score cannot be overstated. A favourable credit score serves as a gatekeeper to a world of financial opportunities, determining the ease with which individuals can access loans, the interest rates they will be eligible for, and even the prospects of securing a home in an ever-competitive market. As the average mortgage sizes surge to unparalleled heights, the significance of maintaining an advantageous credit profile escalates in tandem. - read more
How to Boost Your Loan Approval Chances
How to Boost Your Loan Approval Chances
Getting a loan approved can be a critical step in achieving your financial goals, whether it's buying a home, starting a business, or consolidating debt. However, the loan approval process can often be complex and challenging, with many Australians facing difficulties in securing the loans they need. - read more

Finance News

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