Borrowing

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

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Top 10 Popular Articles

Which credit card for you?

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

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 review 2009

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

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 >>

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 >>

Risky home loans - what to avoid

05 Jan 2008 | With first homes averaging $430,000 and housing affordability at a record low, new types of loan may seem tempting — but are they safe? More >>

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 >>

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 >>

Credit check

18 Oct 2011 | If you plan to apply for credit in the near future - for example, if you’re looking to buy a house - it’s a good idea to check your credit file. More >>

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 >>