Personal Loans

CREDIT REPORTS

Do you know your credit history?

Mark Bouris Credit reports are a fact of life if you want to borrow money and they can be really helpful, so learn how they work and start planning.

TIP OF THE WEEK

Time to cut back debt, not lock in more

Up and down: Interest rates can go up as well as down.

Catherine Robson Rates won't stay low forever - so pay off your debt while you can.

ASK NOEL

Once bitten, should I shy away from buying?

Which way now?: Investors with a bit of cash to spend are best served by doing some thorough research on the areas where they are looking at property.

Noel Whittaker I am in no rush to buy back in, however feel that the longer I wait, the further the market is getting away from me.

BORROWING

Offset accounts can save you thousands

Mark Bouris dinkus.

Mark Bouris When they're used properly they can accelerate the paying-down of the mortgage.

MORTGAGES

How to ask for more money

Mortgage.

Christine Long Doing some home improvements or getting a new set of wheels doesn't have to trigger a complete mortgage makeover.

GET AHEAD

Take a ride on the low-interest train

Mark Bouris dinkus.

Mark Bouris Take advantage of the cheap cash-rate environment while it lasts.

MORTGAGES

Beyond the big four banks

Karl Hilzinger colour cartoon.

Christine Long Love to hate the major banks? Three alternatives seek to challenge the status quo.

RATES

Do the sums on mortgage options

Mark Bouris With low interest rates forcing competition among lenders, price is not the only factor.

BALANCE TRANSFERS

Forget loyalty - card switching can help you get on top of debt

money cover dog loyalty and credit card


09money.jpg

Christine Long Need some breathing space from heavy interest charges on your credit card debts? A balance transfer deal could be the answer.

CREDIT SCORES

Good records lead to better loans

House with dollar coin

John Collett Solid credit scores could help you get a cheaper mortgage if Australia follows the US.

CREDIT CARDS

Dumb debt can rack up interest costs

Credit card debt.

David Potts It's more about when, rather than where, the credit's due that should worry you.

CUSTOMER CARE

Learn the seven signs of a bad bank

atm do-up

David Wilson If there is one thing that riles Australians more than the taxman, it's banks. Here are seven tell-tale signs it is time for you to stop being a doormat.

Comments 74

CREDIT-CARD DEBT

Plot a path to turn red into black

Credit Card Debt.

Christine Long Sticking to a straightforward strategy is the key to defeating credit-card debt.

No credit given once relationship soured

MONEY 040219 AFR PICTURE BY Gabriele Charotte / afrphotos.com   GENERIC savings, escalating interest rates, home loan, wages, salary, superannuation, real estate, home loan, mortgage, morgage, house, auction, market, family, couple, marriage, divorce  AFR FIRST USE ONLY afrphotos.com SPECIALX 23452

*TO BE USED IN SPECIAL REPORTS AFR 050603*

Penny Pryor When recently separated Jan Bradley applied for a personal loan for what she believed was a relatively small amount of $10,000 at her bank earlier this year, she was shocked and dismayed at the way...

Comments 120

Lending

Margin loans rise but risk still off table

ASX

Clancy Yeates Margin lending is growing for the first time since the stimulus-induced sharemarket surge of 2009, as investors seek to capitalise on record low interest rates and rising stock prices.

QUICK CASH

The brokers will fix it

Nick Robinson, managing director 
      of Nikolas Michael pawnbrokers, inspects a diamond and emerald gold ring 
      in London, U.K., on Wednesday Sept. 23, 2009. Gold advanced as a weakness 
      in the dollar bolstered the precious metal's appeal as an alternative 
      investment. Photographer: Paul Hackett/Bloomberg *** Local Caption *** 
      Nick Robinson
  
    
    
      
 


31136201_H571731.jpg

Sylvia Pennington Almost an anachronism since the advent of easy credit and interest-free finance - or are they?

MORTGAGE RULES

Pay down that debt to get ahead

SHD News. Generic model house made of money. Photo  Danielle Smith
BRW100401

Nicole Pedersen-McKinnon Paying down debt is pretty much the top strategy to building wealth; it's often even better than buying shares or investing in property.

Used wisely, low interest rates are a boon

House.

Annette Sampson Bankers are up to their old sneaky tricks.

Customers not happy with banks

Complaints.   Man yelling over the telephone.

Eric Johnston Disputes between borrowers and their banks surged nearly 30 per cent last financial year.

Comments 34

Money Matters

Not logical but laudable

Nicole Pedersen-McKinnon Ultimately, whatever the maxims, the best ways to repay debt and fund retirement come down to you.