Borrowing

Independent and trusted tests and investigations of your credit cards, mortgage and managing debt.

Top 10 Popular Articles

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Which credit card for you?

25 Jan 2010 | CHOICE reveals which providers are bucking this trend to treat their customers fairly.  More »

Toy house

How to choose a home loan

19 May 2008 | For some people, flexibility and peace of mind are important, and there are a range of home loan options that offer such benefits.   More »

Reward cards

Reward cards review 2009

19 Mar 2009 | We analysed 63 reward credit and charge cards, looking at frequent flyer points, shopping vouchers and cash rewards.   More »

House

Fast-track your mortgage

01 Mar 2008 | Extra repayments can have a huge effect. Our case studies were amazed at how modest extra payments could save tens of thousands in interest.  More »

Toy house

Reverse mortgages

02 Nov 2010 | Reverse mortgages target homeowners aged 60 and older who want to borrow money against the value of their property.   More »

Model home next to dice

Banks offer risky home loans

06 May 2014 | Banks and other lenders have loosened strict lending guidelines and are once again approving risky loans such as no deposit home loans, 40-year loans and mortgages with a guarantee for first-home buyers.  More »

debt relief - cut up the credit card

Debt relief

20 Apr 2009 | Debt relief companies are reporting extreme cases of consumers carrying up to $400,000 in credit card debt on 50 separate credit cards.   More »

Toy house

Home loans: switch and save

02 Oct 2008 | The best savings were achieved by switching to a credit union or an online subsidiary of a major bank – and you can’t get any of those loans through mortgage brokers.   More »

A new credit reporting regime can lead to black marks appearing on your credit report and credit rating.

Protect your credit rating

10 Apr 2014 | A new credit reporting regime means if you pay your credit card or car loan more than 14 days late it’ll put a black mark on your credit rating.  More »

Toy house & car

Credit protection insurance sham

02 Mar 2009 | Our investigation concludes that credit protection insurance is a rip-off, as other options give you far better and cheaper cover.   More »

Top 10 Recent Articles

hands holding up credit cards

Low-rate credit card comparison

01 Sep 2014 | At a time of historically low home loan rates, banks’ credit cards are still charging nearly 20% interest. CHOICE explains the best strategies to pay off your credit card for good.  More »

Man balancing dollar sign in the palm of his hand.

Problems with payday loans

06 Aug 2014 | The latest payday loan legislation is a step forward, but it may not go far enough.   More »

A new credit reporting regime can lead to black marks appearing on your credit report and credit rating.

Protect your credit rating

10 Apr 2014 | A new credit reporting regime means if you pay your credit card or car loan more than 14 days late it’ll put a black mark on your credit rating.  More »

Model home next to dice

Banks offer risky home loans

06 May 2014 | Banks and other lenders have loosened strict lending guidelines and are once again approving risky loans such as no deposit home loans, 40-year loans and mortgages with a guarantee for first-home buyers.  More »

fixed-home-loans

Top 5 fixed interest rate home loans compared

22 Apr 2014 | To take a fixed interest rate for all or part of your loan can protect you against rates going up.  More »

Save a deposit for your first home with a first home saver account

First home saver accounts abolished

15 May 2014 | First home buyers have it harder than ever before. Now the first home saver account has been cut.  More »

bank-loans-lead

Mortgage tips

25 Jun 2013 | We give you tips and advice for what you need to know before taking out a new mortgage or switching mortgages, and explain how your mortgage is funded.   More »

Mortgage debt

Fretting about mortgage debt?

12 Apr 2013 | We look into the trend of a rising debt-to-income ratio in Australia. What's behind it, and what can you do to minimise your own mortgage debt?  More »

Excessive credit card surcharges

Crackdown on credit card surcharges

07 Mar 2013 | As of 18 March, surcharges applied to credit cards will be capped at a reasonable cost for the retailer.   More »

credit-cards-and-retirees-lead

Credit card ageism

15 Nov 2012 | In what appears to be a widespread pattern, self-funded retirees are having their credit card applications knocked back.   More »

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Polls

 
 

Have you recently asked your bank for a better home loan rate?

  
13%
 
Yes - and I got one
  
15%
 
Yes - but no go
  
70%
 
No

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