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

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 »

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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 »

Debt-Consolidation-LEAD

Consolidating your debt

22 Jun 2012 | By using a debt consolidation business you could end up paying more in the long run than you would dealing directly with the creditors.   More »

super_LEAD_WEB

Home loan fact sheet shadow shop

19 Feb 2012 | While most of the institutions we visited do provide key fact sheets on their websites, overall it seems that bank staff have little or no idea the fact sheets even exist.  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
  
71%
 
No

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