Credit

A short-term loan may seem appealing to combat unplanned financial difficulties. But what are the consequences of a short term loan vs long term loan?

Credit

When you apply for credit, your lender may seek your permission to check your credit report. But what is a credit report and how is it used? 
How to avoid paying credit card interest and late fees
Understand how to avoid any extra fees and interest charges so you can make the most of your card.
Whatever your reason for a personal loan, there are a few things you can do to help improve your likelihood of being approved for the funds you need.
Credit card and in-store debt
Credit card and in-store finance may help you buy something you want now, however it’s important to understand each before you apply.
More credit articles

Finding a new home to buy can be a really fun and exciting process, but what happens if you’ve found your dream home and are yet to sell your existing one?
How do car loans work?
Buying a car should be stress-free and exciting!  Let us explain how car loans work before you pick up your new wheels.

Learn more about Loan to Value Ratio (LVR), how it’s calculated and what effect it can have on your mortgage.
Difficulty paying bills or fines

It can be hard to keep up with regular payments like rent, electricity and phone bills or unexpected fines. 

More credit articles

Here's a list of the most common banking jargon terms people don't understand, explained in plain English.
From building savings to rewards programs, here are the 6 main benefits of using a credit card.
Let us help you understand credit in retirement with our help guide.
Psychological studies have reported personal finances as one of the main sources of stress for Australians and it could be impacting our health.

Saving and Budgeting

When it comes to managing you’re your debt effectively you are not alone. Whether you’re a current Heritage customer, or looking for change, our specialist lenders and financial planners are here to help.

More help

If you need help with your financial situation we're here for you.

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