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Personal Loans Articles

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 Communicate with Lenders During Financial Hardship
How to Communicate with Lenders During Financial Hardship
Financial hardship occurs when an individual is unable to meet their financial obligations due to a variety of circumstances. This could stem from a loss of income, unexpected expenses, or rising living costs that outweigh financial resources. - read more
Pre-Approval Loans: How They Work and Why They Matter
Pre-Approval Loans: How They Work and Why They Matter
A pre-approval loan is an agreement between a lender and a borrower indicating how much the lender is willing to lend to the borrower, subject to certain conditions. - read more

Finance News

Rate Money Introduces Competitive Rates and Refinance Options for Self-Employed Australians
Rate Money Introduces Competitive Rates and Refinance Options for Self-Employed Australians
25 Mar 2026: Paige Estritori
In a financial landscape where many lenders are raising variable interest rates by 25 basis points in response to the Reserve Bank of Australia's recent rate hikes, Rate Money has taken a different approach. The non-bank lender, specialising in loans for self-employed individuals, has opted to increase their variable rates by only 15 to 20 basis points on select loan products. This decision aims to alleviate financial pressure on borrowers facing rising living costs and inflation. - read more
Australian Personal Loan Applications See Significant Uptick
Australian Personal Loan Applications See Significant Uptick
25 Mar 2026: Paige Estritori
Recent data from Equifax's Consumer Market Pulse for Q4 2025 reveals a notable increase in personal loan applications across Australia. The report indicates an 8.9% rise in personal loan demand compared to the same period in 2024, reflecting a growing reliance on unsecured credit among consumers. - read more
Rising Personal Insolvencies in Australia Linked to Excessive Borrowing
Rising Personal Insolvencies in Australia Linked to Excessive Borrowing
25 Mar 2026: Paige Estritori
The Australian Financial Security Authority (AFSA) has reported a 5.3% annual increase in personal insolvencies, marking the third consecutive year of growth in this area. This trend highlights the mounting financial strain faced by many Australians, with excessive borrowing identified as the primary cause. - read more
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Knowledgebase
Adjustable-Rate Mortgage (ARM):
A type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan.


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