FinSight Editorial TeamPersonal loan rates in Australia range from 5.76% for excellent credit borrowers to over 20% for high-risk lenders. Here’s a complete comparison of the best rates available in April 2026 — and how to make sure you’re getting the right one. Best Personal Loan Rates — April 2026 Lender Rate From Loan Amount Term Est. … Read more
Franking credits (also called imputation credits) are one of the most valuable tax benefits available to Australian investors. Understanding them can significantly boost your after-tax investment returns. What Are Franking Credits? When an Australian company pays tax on its profits and then distributes dividends to shareholders, the tax already paid by the company is credited … Read more
Stamp duty (land transfer duty) in Victoria is one of the largest upfront costs when buying property. Here’s exactly how it’s calculated, what concessions are available, and how much you’ll pay. VIC First Home Buyers: Full duty exemption on homes up to $600,000. Concessions apply up to $750,000. Victoria Stamp Duty Rates — 2025-26 Property … Read more
Your borrowing capacity — how much a bank will lend you — depends on your income, expenses, debts, deposit, and the lender’s assessment rate. Here’s a clear breakdown of how Australian lenders calculate what you can borrow. Typical Borrowing Capacity by Income — April 2026 Annual Income No debts $500/mo debts With HECS $50k $60,000 … Read more
Whether you’re buying new or used, a car loan calculator helps you understand exactly what you’ll pay before you sign anything. Here’s everything you need to know about car loans in Australia in 2026. Current Car Loan Rates — April 2026 Lender Rate From New/Used Loan Amount AutoPay 5.99% New $5k–$150k Wisr 6.95% New & … Read more
Most Australian home buyers go straight to their bank when getting a mortgage. But research consistently shows that mortgage brokers secure lower rates and better loan features for their clients. Here’s the honest comparison. Mortgage Broker vs Bank — The Numbers ✅ Mortgage Broker Access to 30+ lenders No cost to you (paid by lender) … Read more
Choosing between a fixed and variable rate home loan is one of the biggest decisions you’ll make when taking out a mortgage. Both have real advantages — the right choice depends on your situation, risk tolerance, and view on where interest rates are heading. Fixed vs Variable — Key Differences at a Glance Fixed Rate … Read more
Australian credit cards carry some of the highest interest rates of any consumer finance product — often 19–22% p.a. on purchases. Understanding how credit card interest works and which cards offer the best rates can save you thousands. Average and Best Credit Card Rates — April 2026 Card Type Purchase Rate Annual Fee Low rate … Read more
Term deposits offer a fixed, guaranteed interest rate for a set period — no conditions, no market risk. With rates still well above historical averages, locking in for 6–12 months is worth considering before any further RBA rate cuts. Best Term Deposit Rates — April 2026 Bank 3 months 6 months 12 months 24 months … Read more
The average Australian full-time salary is approximately $98,218 per year according to the ABS (May 2024). But averages mask significant variation by industry, state, gender and occupation. Here’s a full breakdown. Average Full-Time Ordinary Time Earnings (ABS May 2024) $98,218 per year | $1,889 per week Average Salary by Industry — Australia 2025-26 Industry Average … Read more