Finance Australia Articles

Welcome to Finance Australia, where we've curated a selection of engaging articles just for you.

Feel free to explore by clicking on any title to dive deeper into the stories that pique your curiosity.

Finance Articles

How Finance Eligibility Assessments Work in Australia

A finance eligibility assessment can help Australian borrowers understand how lenders may review income, expenses, debts, credit history, repayment capacity and loan serviceability before a personal or business loan application. - read more

Secured and Unsecured Loans in Australia: How They Differ

Secured and unsecured loans differ mainly in whether an asset is used as security. This guide explains how that difference can affect borrowing risk, eligibility, loan costs and repayment decisions for Australian consumers and small business owners. - read more

The Ultimate Car Loan Checklist for First-Time Borrowers in Australia

Welcome to the world of car ownership! If you're a first-time borrower in Australia, you're likely to feel a mix of excitement and apprehension. Acquiring a car loan is a significant financial responsibility, and navigating through the options can be daunting. This introductory guide is designed to set you on the right path to making a well-informed decision. - read more

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

Finance News

Why stronger business lending is not a simple green light for SMEs

03 Nov 2026: Paige Estritori

Westpac’s latest full-year result has added a useful signal for Australian business borrowers: credit demand remains strong even as interest rates and operating costs keep pressure on cash flow. The bank reported on 2 November 2026 that its overall lending grew over the year, with business lending rising more quickly than many household-facing categories, reinforcing the sense that firms are still using finance to invest, refinance and manage working capital. - read more

What tighter lending signals mean for new loan applications

15 Sep 2026: Paige Estritori

APRA’s latest banking indicators point to a lending market that is still open, but not loose. Mortgage credit continues to move through the system, yet the regulator’s focus on serviceability, risk controls and higher-risk lending means borrowers should expect applications to be examined carefully rather than waved through on headline income alone. - read more

What the latest growth data means for finance plans

08 Sep 2026: Paige Estritori

Australia’s latest national accounts have given borrowers a fresh read on the economy: growth is continuing, but momentum remains uneven and household spending is still being tested by higher living costs. For anyone weighing up a personal loan, home loan refinance, vehicle finance or business funding, the message is less about one headline number and more about how stable income, expenses and cash flow look over the next year. - read more

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Knowledgebase

Adjustable-Rate Mortgage (ARM) Cap:
A limit on how much the interest rate or the payment can change for an Adjustable-Rate Mortgage.

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IMPORTANT: This website provides general information and tools that do not take into account your objectives, financial situation or needs. We do not provide personalised financial, credit or insurance advice or credit assistance. We do not accept applications or quote requests, refer visitors to brokers, lenders or insurers, or select, recommend or arrange products for individuals. Consider seeking advice from an appropriately licensed adviser before acting on the information. You should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.

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