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If you’ve been feeling the squeeze from rising rates, tighter lending policies, or a business that needs more breathing room, you’re not alone. Across Australia, borrowers are reassessing their finance structures — not because they’re in trouble, but because the smartest operators know that timing matters .... and 2026 is shaping up as a year where timing could make all the difference. 1. Banks Are Tightening — But Not Evenly Major banks continue to adjust their credit appeti

For years, Australians have been hit with small but annoying card surcharges every time they tapped their debit or credit card. Whether it was 1.5% at a café or a higher fee for using Amex for stock purchases, these charges added up — and often felt like a penalty for choosing the most convenient way to pay. With regulators and industry bodies now moving toward scrapping card surcharges , consumers and businesses are set to benefit from a simpler, more transparent payment exp

Many borrowers turn to a parent, partner, friend, or investor to help secure finance. A third‑party guarantee can make a loan possible — but it also creates serious legal and personal obligations for the person who agrees to guarantee your debt. Understanding these issues upfront protects your relationships, your guarantor, and your long‑term financial position. What a Third‑Party Guarantee Actually Means A third‑party guarantee is a legal promise by someone else to repay you