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Car finance in Australia presents a myriad of options for those looking to purchase a vehicle through a payment plan. Understanding how car finance works is crucial to navigating this complex landscape and finding a deal that aligns with your financial goals. From loans offered by banks and credit unions to dealer financing and specialised car finance companies, the choices are extensive. - read more
Buying your first car is an exciting milestone that can offer a sense of independence and freedom. Whether you're envisioning weekend getaways or a smoother daily commute, the joy of car ownership holds a special thrill. However, alongside this excitement, it is crucial to approach this journey with awareness and preparation to ensure you make a smart financial decision. - read more
If you're in the market for a new car, you're probably wondering what you need to do to get the best car loan. It's no secret that the car dealership will try to sell you a loan, but you don't have to take their offer! In fact, you can get a much better loan if you know what you're doing. - read more
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In a significant shift towards environmental sustainability, Bank Australia has ceased offering car loans for new petrol, diesel, and hybrid vehicles as of February 2025. This policy change aligns with the bank's commitment to achieving carbon net-zero targets by 2035 and underscores its dedication to promoting electric vehicle (EV) adoption. - read more
The Australian Securities and Investments Commission (ASIC) has commenced a thorough review of the motor vehicle finance sector, focusing on strengthening consumer protections and ensuring industry compliance with responsible lending obligations. This initiative aims to address potential risks and improve the experiences of borrowers across Australia. - read more
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at curbing potential risks in the housing market. Effective February 2026, APRA will implement a cap limiting the proportion of new home loans with high debt-to-income (DTI) ratios. This move is designed to promote responsible lending practices and ensure the stability of the financial system. - read more
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Knowledgebase
Private Mortgage Insurance (PMI): A type of insurance that a borrower might be required to purchase as a condition of a conventional mortgage loan, if the down payment is less than 20% of the property value.
