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Finance Articles

Fueling Your Startup Success: Navigate Business Finance
Fueling Your Startup Success: Navigate Business Finance
Launching a startup is an exhilarating journey, filled with the promise of innovation, independence, and growth. However, it also comes with its share of challenges. From planning and execution to funding and scaling, each step requires careful consideration and decisive action. For many aspiring entrepreneurs in Australia, securing the necessary capital is one of the greatest hurdles they face on the path to success. - read more
The Importance of Financial Literacy: Navigating Personal Loans in Your 20s and 30s
The Importance of Financial Literacy: Navigating Personal Loans in Your 20s and 30s
Financial literacy refers to the ability to understand and effectively use various financial skills, including personal financial management, budgeting, and investing. It's an essential skill set that can significantly impact an individual's financial well-being throughout their life. - read more
The Pros and Cons of Personal Loans for Young Professionals
The Pros and Cons of Personal Loans for Young Professionals
Personal loans are a financial tool that many young professionals consider when they need extra funds. Whether it's for consolidating debt, covering unexpected expenses, or making a big purchase, personal loans can provide the flexibility you need to manage your finances effectively. - read more
Understanding the Power of Pre-Approval in Your Financial Journey
Understanding the Power of Pre-Approval in Your Financial Journey
Pre-approval in the financial world refers to a preliminary evaluation by a lender to determine how much credit or loan they may be willing to extend to an applicant. It's a vital step for any Australian looking to finance a significant purchase such as a home or a car. Essentially, pre-approval provides potential borrowers with an indication of their borrowing capacity, subject to final verification and approval. - read more
Financing Your Dream: Tips for First-Time Entrepreneurs and Business Loans
Financing Your Dream: Tips for First-Time Entrepreneurs and Business Loans
Starting a business is an exciting venture, often filled with dreams and aspirations of growing a successful enterprise. For many first-time entrepreneurs, securing a business loan can be a crucial step in turning these dreams into reality. Business loans provide the necessary funds for growth and expansion, enabling startups to invest in equipment, hire employees, and expand marketing efforts. - read more

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Finance News

Investor Loans Surge Amidst Australia's $12 Trillion Property Market Milestone
Investor Loans Surge Amidst Australia's $12 Trillion Property Market Milestone
24 Dec 2025: Paige Estritori
Recent data from the Australian Bureau of Statistics (ABS) reveals a significant uptick in investor activity within the housing market. In the third quarter of 2025, new investor loans increased by 13.6%, contributing to a 12.3% annual growth. This surge has propelled the total value of Australia's residential real estate to an unprecedented $12 trillion, effectively doubling its worth over the past decade. - read more
APRA Implements New Cap on High Debt-to-Income Home Loans
APRA Implements New Cap on High Debt-to-Income Home Loans
24 Dec 2025: Paige Estritori
The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more
Australia Leads Global Trends with 122% Surge in Sustainable Loan Issuance
Australia Leads Global Trends with 122% Surge in Sustainable Loan Issuance
24 Dec 2025: Paige Estritori
In the first half of 2025, Australia experienced a remarkable 122% increase in sustainable loan issuance, a stark contrast to the 21% decline observed globally during the same period. This surge underscores Australia's commitment to environmental sustainability and the growing integration of green finance within the nation's financial sector. Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check! - read more
RBA's October 2025 Financial Stability Review: Key Insights
RBA's October 2025 Financial Stability Review: Key Insights
16 Dec 2025: Paige Estritori
The Reserve Bank of Australia (RBA) has released its October 2025 Financial Stability Review, providing a comprehensive analysis of the nation's financial system amidst ongoing global economic uncertainties. The report underscores the resilience of Australia's financial institutions, while also highlighting areas requiring vigilant oversight. - read more
Australian Finance Departments Embrace AI and Automation
Australian Finance Departments Embrace AI and Automation
16 Dec 2025: Paige Estritori
In a significant shift towards digital transformation, Australian finance departments are increasingly adopting artificial intelligence (AI) and automation technologies to streamline operations and enhance decision-making processes. This trend reflects a broader global movement where financial institutions leverage technology to improve efficiency and maintain a competitive edge. - read more

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Knowledgebase
Credit Default Swap (CDS):
A financial derivative or contract that allows an investor to "swap" or offset their credit risk with that of another investor.


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