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Need objective info and timely tips to answer your money questions? Turn to the Nerds.

Learn about credit cards

NerdWallet can help you find the right card for your financial goals.

What to Know About Your Credit Card Limit

What to Know About Your Credit Card Limit

A credit limit is the maximum amount of money you can spend on your credit card. You can request to increase your credit limit.

How Do Credit Card Interest Rates Work?

How Do Credit Card Interest Rates Work?

A credit card’s interest rate is the amount an issuer could charge you for borrowing money. The average interest rate in Australia is 19.94%.

Can You Get a Credit Card With Bad Credit?

Can You Get a Credit Card With Bad Credit?

Getting approved for a credit card is very difficult if you have a bad credit score, but it isn’t impossible.

What Is a Charge Card?

What Is a Charge Card?

Charge cards are like credit cards but don’t have a pre-set credit limit, and you must repay the entire balance every month.

Learn about home loans

NerdWallet can help you prepare to buy your first home or manage the home loan you already have.

What Is Home Loan Pre-Approval?

What Is Home Loan Pre-Approval?

Home loan pre-approval is a statement from a lender agreeing to lend you a set amount to purchase a property.

How Much Do You Need for a House Deposit on a Home Loan?

How Much Do You Need for a House Deposit on a Home Loan?

A house deposit, or a home loan deposit, is your initial contribution to the total purchase price of a property — typically 5%-20%.

How to Build and Increase Equity in Your Home

How to Build and Increase Equity in Your Home

There are two ways to build equity: increase your property’s value or reduce your mortgage. 

Equity Release: How to Access Your Home’s Value

Equity Release: How to Access Your Home’s Value

Access home value through the a line of credit, the Home Equity Access Scheme, a reverse mortgage, a home reversion sale, an equity release agreement, or a renovation loan.

Learn how to get more from your money

NerdWallet has tips to boost your income, jumpstart savings or take your credit score to new heights.

Credit Checks: Understanding Soft and Hard Credit Enquiries

Credit Checks: Understanding Soft and Hard Credit Enquiries

A credit check, also known as a credit enquiry, assesses your borrowing strength as a consumer and trustworthiness to lenders.

Do Australian Credit Repair Services Actually Work?

Do Australian Credit Repair Services Actually Work?

Credit repair companies exist to help people with low or fair scores and get them out of the red, but the impact of the service is limited.

What Affects Your Credit Score?

What Affects Your Credit Score?

Your credit scores are determined by several factors, such as whether you pay bills on time and the length of time you’ve used credit.

Budgeting 101: How to Budget Money

Budgeting 101: How to Budget Money

Give all of your pennies a purpose by creating a budgeting plan that accounts for needs, wants, savings and more.

Your money questions. Our nerdy advice.

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