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Will Your HECS Debt Affect Your Ability to Get a Home Loan?

In Australia, we’re fortunate enough to have options when it comes to paying for tertiary education. Unlike in other countries, upfront fees are not always required. You can opt to take on a HECS (Higher Education Contribution Scheme) debt whereby you pay off your fees gradually. This debt varies depending on the course and university you attended, as well as how much you earn. Many of us may wonder whether our HECS debt hinders our ability to get a home loan. HECS debts and home loans It’s a dream for many Australians to purchase their own homes. With the market … Read more

purchase a car

Should You Finance or Purchase a Car Outright?

So, you’re looking for a new set of wheels. You might be considering whether it’s best to purchase a car outright or if there’s a valid reason to use finance. The answer to that question really comes down to your personal circumstances and your goals for the next few years. In this piece, we’re going to unpack the pros and cons, and hopefully, by the end, you’ll feel more informed to make the best decision for your needs. Things to consider If you’re about to purchase a new car, it’s easy to get caught up in the excitement of choosing … Read more

Financing a car

Everything You Need to Know Before Financing a Car

If you’re in the market for a new car, there are a few things you need to know before you take your new wheels for a spin. Ideally, we would all like to purchase a new vehicle outright, but for a lot of us, that’s simply not an option. This is where financing comes in. Let’s unpack everything you need to know about financing a car. How does financing a car work? A car loan is essentially a type of loan designed specifically to purchase a car. When it comes to financing a vehicle, you may have the option of … Read more

Car dealership finance

Buyer Beware: Car Dealership Finance and the Inflatable Pitfall

Car dealership finance is a widely known and exemplary component to the car sale industry. For a few dollars a week, a new or used vehicle can be driven out of the car yard with minimal fuss, and all documentation is taken care of by the dealer. According to the Australian Bureau of Statistics, in the 12 months leading up to November 2017, an astonishing $8.5 billion was lent to Australian car buyers to finance their vehicles. For many, buying a vehicle is one of the biggest purchases of a lifetime and one that should be entered into with careful … Read more

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