Debt Management

Nicole helps… beat a $20,000 credit card debt

Nicole Pedersen-McKinnon How to avoid bankruptcy with smart credit repair and a good 0 per cent balance transfer credit card.

More parents helping children onto property ladder

Sarah Hopkins from Galston has helped her son, Michael, buy a unit by going guarantor for his mortgage.

John Collett Sarah Hopkins and her husband did not have to think too long before agreeing to go guarantor for their son’s mortgage.

Comments 3

Are small, cheap mortgage lenders as safe as the big banks?

Nicole Pedersen-McKinnon Nicole Pedersen-McKinnon has a new column tackling consumer finance issues.

Nicole helps: get a mortgage discount from the Commonwealth Bank

You can usually negotiate a discount from the Big 4 banks, but there are still better deals from smaller lenders.

Nicole Pedersen-McKinnon Money educator Nicole Pedersen-McKinnon tackles readers' consumer finance problems in a new column.

How to be a power user of credit card rewards programs

American Express was independently rated by Choice and Mozo to have some of the best rewards programs.

Kate Jones Anthony Bianco maximises the rewards points for his credit card but diligently pays off the balance every month.

How to choose your first credit card


Kate Jones Choosing your first credit card is equal parts daunting and exciting.

Why you should use a mortgage broker

A mortgage broker puts the borrower at the centre of the process.

Mark Bouris At a time when the finance industry has become too complex for most Australians, there is also a low awareness of what finance or mortgage brokers do, and how they can help the borrower.

Forget super, pay off your mortgage

Illustration: John Shakespeare

Nicole Pedersen-McKinnon Superannuation offers tax advantages but it can't beat the security of a fully paid off home and the time to tackle the debt mountain is while rates are cheap.

Big-bank mortgage holders can easily do better

John Collett Why big-bank customers should pick up the phone and ask for a bigger interest-rate cut.

Personal loans are the cheaper debt product Aussies forgot

Nicole Pedersen-McKinnon We're in love with credit cards, but that costs us more than it needs to.

Comments 11

Why the best home loan may not be the cheapest

Noel Whittaker Many homeowners are shopping around for a cheaper mortgage but features such as offset accounts are worth holding on to.

Upgrading your home: moving versus renovating

Noel Whittaker As a person who has both moved and renovated, let me assure you that both create major disruptions in your lifestyle.


Mortgages for older Australians


Mark Bouris Young first-home buyers have been big news lately, but people in their 50s or 60s also face trouble getting into the property market.

Turn over a new leaf and repair your broken credit score

Sylvia Pennington Now is a good time to get financial priorities right.


Cheap debt drives refinancing boom

Clancy Yeates

Clancy Yeates The rush to refinance is on but don't fall prey to common mistakes.


Credit card management: the $4.3b a year we waste

Nicole Pedersen-McKinnon What do credit card companies have to do to get us to abandon them for a better deal?


Celebrate innovation that puts the customer in charge

Caitlin Fitzsimmons dinkus

Caitlin Fitzsimmons The word innovation is in vogue, but what does it mean anyway - and is it worth all the fuss?


5 ways to growth hack your way to mortgage freedom

Owning a home can be incredibly rewarding, but it also comes with a fair amount of financial responsibility.

Heidi Armstrong Stories about people who pay off sizeable home loans in record time are always talked about – but what are some of the tricks to making this happen?


Rewards cards poor value: cardholder survey

The federal government has thrown its support behind most of the recommendations of a Senate inquiry into credit cards.

John Collett Most rewards credit card holders believe that their rewards program delivers poor value.


Monthly mortgage payments fall $254 in five months

The Great Australian Dream of property ownership is not dead, but it needs to shift away from the white picket fence.

Nicole Pedersen McKinnon It's not going to be much consolation to frustrated would-be first-home buyers, but monthly repayments on the average new mortgage are $254 less than they were at Australia's borrowing peak in...