Finance Guides & Resources
Plain-English educational guides to help you make smarter borrowing decisions. Written by our finance team for everyday Australians.
How Much Can I Borrow?
Understand income multiples, serviceability buffers and how lenders assess your borrowing capacity in Australia.
What Is a Comparison Rate?
Learn how comparison rates work, when they are useful, when they can be misleading, and what the law requires.
How to Get a Car Loan with Bad Credit
Discover what counts as bad credit, which lenders specialise in subprime lending and how to improve your chances of approval.
First Home Buyer Guide Australia 2026
A step-by-step walkthrough covering grants, stamp duty concessions, deposit strategies and common mistakes to avoid.
Equipment Finance vs Leasing
Compare chattel mortgages, hire purchase, operating leases and finance leases to find the best option for your business.
Instant Asset Write-Off 2026
Current thresholds, eligible assets, how to claim and how the write-off interacts with depreciation and BAS reporting.
How to Refinance Your Car Loan
When refinancing makes sense, how to calculate your savings and what to watch out for including fees and the extended-term trap.
LVR Explained
What Loan to Value Ratio is, how it affects your interest rate, LMI thresholds and how to improve your LVR position.
Lenders Mortgage Insurance (LMI) Explained
What LMI is, who pays for it, how much it costs, and strategies to avoid paying it altogether.
Fixed vs Variable Interest Rates
Pros and cons of each rate type, when to fix, when to stay variable and the split-loan compromise.
What Credit Score Do I Need for a Car Loan?
Credit score ranges explained, minimum requirements by lender type and actionable tips to improve your score.
How to Get a Business Loan in Australia
Eligibility criteria, documentation requirements, types of business loans and tips to improve your approval chances.
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WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.