Guides

As of the 12 March 2014 Australia adopted Comprehensive Credit Reporting (CCR). Since then, both the number of institutions reporting and utilising comprehensive credit data has increased significantly.    1. Owning too many credit cards and/or playing the rewards points game While offers to sign up for credit...

A home loan is generally a long-term proposition, but in some situations it can make sense to refinance your mortgage. Read this guide to the refinancing process, and speak to your credit adviser, before deciding whether it’s right for you.   Refinancing involves...

Pay it off with a tailored LOW RATE consolidation loan   Are you paying more than 12% interest on your credit card or other bank loans? Then say goodbye to high interest debt and potentially save thousands. Naritas Finance is proud to have partnered with award winning RateSetter to...

A lot of people are confusing recent media regarding APRA & investment lending rules with the NCCP Act. This is a handy guide regarding loans for personal, investment and business purposes & how the credit legislation affects their respective loan approval criteria and compliance requirements. NB: This is...

Buying your dream home is one of the biggest and most exciting purchases you are ever likely to make. Saving the necessary deposit can be difficult without making a few adjustments to your finances. Spring cleaning your budget is an important step in helping make this dream a reality. The first port...

Consolidate your loans by combining your pre-existing unsecured debts with a single home loan or personal loan. As a result of debt consolidation, you only have one monthly repayment, which may increase your ability to service your commitments. Also, depending on your circumstances, the interest rate for a consolidation...

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