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Money Finder™ is here to help you compare products, grow your wealth and take control of your finances.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
At Finder, our mission is to empower you with the information you need to take control of your finances. From finding the right products, to setting a budget, to investing in shares and heaps more, we're here to help guide you through it.
Our money experts work hard researching and reviewing thousands of different finance products to help you find a better deal on the products you need.
Unlike a lot of other comparison sites, Finder isn't owned by any bank or lender. We're 100% independent and that means we can write unbiased reviews about products and lenders we do and don't partner with.
Latest money articles
Your HECS-HELP debt could rise by $900 next week
Uni debt is indexed to inflation, meaning a hefty 3.90% rise this year, but it's still the cheapest debt you'll ever get.
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Labor wins the 2022 election: What does this mean for your wallet?
The new government has pledged to make childcare and medicine cheaper. And it will help you buy a house – together.
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Westpac drops new low-rate car loan for electric vehicles
Westpac has announced a lower rate car loan specifically for customers who purchase a new or used hybrid or electric car.
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Gym bunny or wasting money? Aussies overspending $5.4 million on gym memberships
Millions of Aussies are overspending on their gym membership, according to new research from Finder.
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Taking $50,000 out of your super to buy a house: Good idea or big mistake?
You might be able to access up to $50k from your super for a deposit for your first home, but just because you can, does that mean you should?
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Election 2022 housing policies compared: What do first homebuyers get?
Housing affordability is on the election agenda - every party has a different policy, but which one suits you best?
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$50k deposit: How Scott Morrison’s Super Home Buyer Scheme works
The Liberal Party has announced a key housing policy for first homebuyers – here are all the details.
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4 things you can’t freely do when you’re bankrupt in Australia
You can't become a member of parliament if you're an undischarged bankrupt, and that's not the only restriction.
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Rising costs pushing you to Afterpay? 5 expert tips on smart Buy Now Pay Later
Buy now pay later services like Afterpay are an attractive solution for many, as Australians feel the pinch from the rising cost of living. Here's how you can manage your account responsibly
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5 business tips for tax time in 2022
SPONSORED: We asked the experts what advice they’re giving businesses as we head into another tax season.
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Merciless mortgages: 1 in 3 Aussies already struggling with repayments
As many major lenders announce rate rises, Australian homeowners say they are already struggling to meet their mortgage repayments, according to Finder’s Consumer Sentiment Tracker.
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Inflation is eating your salary: Here’s how to get a pay rise
With the rising cost of living and mortgage rates going up, now would be a really great time to earn more money.
Read more…
Check out our free Budgeting Template
A good budget is the first step toward improving your finances
Enter all of your sources of income and all of your expenses, and see how much you have leftover to save or invest. From there, you can analyse your spending, make adjustments and set some good goals.
Finder money team's top tips
| What you do at Finder | Top money tip | |
|---|---|---|
 Alanna Glenn | Senior Publisher, Money | Saving for the future is really important, but don't forget to enjoy your money now. Create a good budget and make sure it leaves enough room for the fun stuff! I use the 50/30/20 method where I get to allocate 30% of my after-tax income to non-essentials. |
 Alex Jeffs | Senior Publisher, Car Loans | Buy a low depreciation car. Cars lose value as soon as you take ownership of them. The amount of depreciation your car suffers depends on things like how popular it is, the specific model, its condition and even the colour. Research which models retain the most value through your loan period so you can minimise your losses. |
Alison Banney | Editor, Banking & Superannuation | Try not to increase your spending as your income increases. Treat yourself and celebrate, but don't let your pay rise be completely consumed by your new lifestyle. Instead, try stick to your pre-pay-rise budget and consider putting the extra income into your savings, super or investments. |
 Amy Bradney-George | Senior Writer, Credit Cards | Time your payments around payday. If your bills need to be paid on a set date, schedule the payments or set up a separate account and transfer money to it each payday. It makes it easier to keep track of where your money needs to go – and how much you have left over. |
 Dougal Warby | Publisher, Home Loans | Never go grocery shopping on an empty stomach. To add to that and help you stick to your budget, always put together a shopping list of what's needed and stick to that list when in-store. |
 Kylie Purcell | Editor, Investments | It's never too early to start investing. Just because you don't have thousands of dollars doesn't mean you can't invest. You can start micro-investing with less than $100. |
 Matthew Ozolins | Senior Producer, Money | Consider discretionary purchases in terms of both their immediate and opportunity costs. The $3,000 you spent on a Bali trip in your 20s could've compounded to $65,000 in your 60s, had it been in your super fund or an index fund. Enjoy your life, but understand the long-term financial impact. |
 Raj Lal | Associate Publisher, Banking & Superannuation | Life doesn't stop moving forward. Have your superannuation aligned to where you want to go. |
 Rebecca Pike | Senior Writer, Money | Choose an amount to save each month that's comfortable for you. Try to be consistent, but don't be disheartened if one month you can't manage it - save what you can. Every dollar is a step closer to your savings goals. |
 Richard Fairbairn | Associate Publisher, Loans | The earlier you start repaying your loan, the cheaper it will be overall. Interest is charged on the amount owed, so it can be wise to make extra repayments as soon as you can. If your loan has a redraw facility, you can lower your interest with excess payments and withdraw those funds again if needed. |
 Richard Whitten | Editor, Home Loans | Aim to save at least 20% for a house deposit. This will mean a smaller loan and (outside of any government schemes) avoiding lender's mortgage insurance. |
 Sarah Megginson | Senior Editor, Money | Compounding is like a magic trick that makes your money grow faster, or your debt grow bigger. Either way, it means that small, consistent efforts – even as little as paying $20 extra into your mortgage, super or savings each week – can make a big impact down the track. |
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Ask an Expert
Hi Stacey, your credit score can change based on a few things: applying for credit, making repayments, missing repayments, defaulting on debt or declaring bankruptcy (and some others). It also depends which of your financial institutions report to which credit reporting bureau (Finder uses Experian). An unchanging credit score is not a bad sign, although I understand it can be frustrating if you’re trying to improve it.
Can I Zippay a flight from here? I need to be in NY next week on the 10th of Sept.
Hi Joanna,
Thank you for contacting Finder.
Yes, you can use your Zippay account to pay for your flights. You may refer to our list of sites accepting Zippay for flights. On the same page, you may read about the other sites offering book now and pay later payment options.
I hope this helps.
Please do not hesitate to reach out again to us if you have additional questions.
Cheers,
Ash
How to remove restricted card
Hi Ravi,
Thank you for leaving a question.
Depending on the restriction given on your card, you may have this clarified with the provider as to the details of the restriction. Once you have this information, you may check on options to lift the restrictions based on the policies given by the provider. Hope this helps!
Cheers,
Reggie
Could you please provide a list of non conforming lenders and there interest rates ?
Thanks
Hi Bel,
Thank you for getting in touch with Finder.
Since you are looking for non-conforming lenders and their rates, please refer to our list of non-bank lenders in Australia. You can also refinance with any of the lenders in the comparison table. To help you, please enter the amount you’d like to borrow, and your preferred term then press “Calculate”. If you like to see the side-by-side comparison between brands, just click the “compare box” below the brand’s logo.
Please click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.
Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions. Alternatively, you can speak to a mortgage broker who can take your personal circumstance into account and offer you a range of borrowing options.
I hope this helps.
Have a great day!
Cheers,
Jeni
I wish to buy $50 AUD gift card online. How do I do that? I want a code to send to a friend overseas.
Hi Neil,
Thank you for getting in touch with Finder.
Since you wish to buy a 50AUD-gift card online, you may want to check our list of gift cards on sale as well as our page on book gift cards and vouchers. Sending the code to a friend overseas might be a challenge so I suggest that you check if the country that your friend is situated in now can redeem the gift card that you are sending him/her.
I hope this helps.
Have a great day!
Cheers,
Jeni