Credit articles
The pros and cons of pawnshop loans
A pawnshop (or collateral) loan is a fast, convenient way to obtain cash. We consider the pros and cons of these loans, and provide some useful tips.
How to cancel a contract
A valid contract is legally binding, but what if you want out? We consider legal means for exiting a contract, with or without an exit clause.
How to avoid hitting your credit limit
Credit is a useful tool, provided you use it responsibly. We consider how credit limits are calculated, and how to manage your credit to stick within your budget.
How to make the most of your credit card
Credit cards come with a variety of benefits. This article provides some tips and tricks to reduce the risks and maximise the benefits of credit card ownership.
How to access credit for the first time
This article outlines ways to access credit products in the absence of a credit score, and notes which products are best suited to first-time credit users.
Will your credit score help you to buy a property?
Your credit score is a key determinant of your home loan eligibility. We consider what your credit score reveals, and provide tips to help you secure a mortgage.
How lenders view your credit score, and how you can improve it
Your credit score is not just a number. This article explains how lenders and credit bureaus view your credit score, and provides some tips for improving it.
A first-time buyer’s guide to home loan pre-approval
We examine what it means to pre-qualify as a first-time home buyer, how the process works, and how bond originators can assist you to secure a home loan.
Is your credit score high enough to access vehicle finance?
We consider the role your credit score plays when you apply for vehicle finance, and note ways to improve your score so you can buy a car.
How to break poor credit habits
We investigate how poor credit habits can impact your financial health, and we consider what you can do to break them
How to fund your postgraduate studies
Postgraduate studies often require self-financing, however, there are other options. This article outlines postgraduate funding options.
What are the cheapest credit options?
In this article, we consider which forms of credit best match specific needs, factors you should consider when applying for credit, and how to limit your need to borrow.