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Finance Articles

An Insider's Guide to Enhancing Your Credit Profile for Any Loan
An Insider's Guide to Enhancing Your Credit Profile for Any Loan
Having a robust credit profile is one of the most critical factors for financial health, especially when seeking loans in Australia. Whether you're eyeing a new car, dreaming of a home or simply want to secure a personal loan for unexpected expenses, your credit score often dictates the outcome. Not only does it influence a lender's decision to offer you finance, but it also affects the interest rates you might be charged. - read more
Essential Tips for Choosing the Right Personal Loan in Australia
Essential Tips for Choosing the Right Personal Loan in Australia
Personal loans are a type of financing option that individuals can use to fund various personal expenses. Unlike mortgages or car loans, they aren't earmarked for a specific purpose, giving borrowers more flexibility in how they use the funds. These loans are usually unsecured, which means you don’t have to provide collateral to borrow money. - read more
The Road to Recovery: How to Rebuild Your Credit for Future Loans
The Road to Recovery: How to Rebuild Your Credit for Future Loans
In today’s economy, a good credit score is more than just a number—it's a pivotal element of financial health that can open doors to necessary funding when it's most needed. Whether it's for purchasing a new home, investing in a business, or obtaining personal loans, a robust credit score in Australia is your ticket to favorable interest rates and loan terms. - read more

Finance News

APRA's New Lending Limits: What Borrowers Need to Know
APRA's New Lending Limits: What Borrowers Need to Know
13 Feb 2026: Paige Estritori
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
Westpac's Financial Milestones: Profit Surge and Strategic Sale
Westpac's Financial Milestones: Profit Surge and Strategic Sale
13 Feb 2026: Paige Estritori
Westpac Banking Corporation has reported a robust full-year profit of $7 billion, underscoring its strong financial performance in the current economic climate. In a strategic move, the bank has also announced the sale of its RAMS mortgage business for $21.4 billion, a decision that aligns with its focus on streamlining operations and enhancing shareholder value. - read more
Introducing the Kia Tasman: Kia's Entry into the Australian Ute Segment
Introducing the Kia Tasman: Kia's Entry into the Australian Ute Segment
13 Feb 2026: Paige Estritori
The Australian ute market is poised to welcome a new entrant with the upcoming launch of the Kia Tasman. Scheduled to arrive in mid-2025, the Tasman marks Kia's inaugural foray into the competitive utility vehicle segment, traditionally dominated by models like the Ford Ranger, Toyota HiLux, and Isuzu D-Max. - read more

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Knowledgebase
Personal Loan:
A personal loan is usually made by a financial institution to an individual person without the need for the provision of asset security. Personal loans can generally be obtained for any worthwhile purpose subject to the lending criteria of the financ