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Credit Cards
Can credit card reward points go to a third party?

Multiple borrowings
Can we refinance and portion the borrowings to gain a greater tax benefit?

Reserve bank
Why does the Reserve bank's setting of interest rates matter when that bank does not lend money?

Overseas money transferrals
Will income tax be payable for gift money transferred from overseas?

Credit card debt
We want to consolidate the credit cards but want to avoid refinancing again. What is our best option?

Savings maximising accounts
Where should I put the money to receive the best interest?

Investment loans
What is the best way to structure cash positive investment loans - interest only line of credit, interest only fixed?

Savings for kids
What is the best way to invest this money to earn better returns without risking too much?

High interest risk on margin lending
When does interest get too high for margin lending to be worth the risk?

Bank interest rates
How can these banks borrow for less than Australian banks, or is it just an excuse to increase the bottom line?

Savings accounts
What can you suggest as a suitable well-yielding investment for a 16 year old?

Online banking
Is there the same level of deposit guarantee with internet banking accounts compared to a more traditional bank account?

Interest rates
Are there any options for re-negotiating interest rates with my current bank lender, or shopping around other lenders for better rates/deals?

Savings
What can I do with my money?

Credit cards
Is there just no competition in Australia?

Transferring international funds
What is the cheapest way to transfer funds to Australia from an English savings account?

Bank loans
Is it true that banks can loan you more on investment properties as compared to diversified funds even when the returns are not bad?

Bank loans
Should I put my extra money towards paying off the principal on my loan?

Fixed term


Banking options


Going guarantor
Our bank says we cannot be guarantors for our son's first home as we are considered commercial customers. Can you explain why?

Credit card charges
Can my fiance and I consolidate our credit cards into one payment or lower the interest rate on them?

Saving for baby
I have a newborn baby who I want to start a saving account for. Which bank is the best for this?

Credit card options
I am 25 and would like to apply for my first credit card. What are my options?

Credit cards
I was refused a car loan recently. Will this impact on my application for another credit card and my credit rating?

Bankruptcy
Improving your credit rating

Banking
Finding low rates

Debt consolidation
On a low income

Term deposit accounts
What are your rights if you want to withdraw early?

Dealing with credit card debt
Should you consolidate?


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Each week financial advisor Noel Whittaker answers your questions.

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