Articles about personal finance

Attain Loans

Articles about finance by Attain Loans Altona
Applying for a personal loan for the first time: 5 things to know

Applying for a personal loan for the first time: 5 things to know

First personal loan? Understand secured vs unsecured loans, the rate you'll be offered, credit enquiries, fees and comparison rates, and how much to borrow.

Read more: Applying for a personal loan for the first time: 5 things to know
Debt consolidation: 5 things to know before you consolidate in the new financial year

Debt consolidation: 5 things to know before you consolidate in the new financial year

Thinking about debt consolidation? When it saves money, the fees on both sides, how your credit file affects the rate, and the spending trap to avoid.

Read more: Debt consolidation: 5 things to know before you consolidate in the new financial year
3 things to know about buy now, pay later vs a personal loan

3 things to know about buy now, pay later vs a personal loan

Buy now, pay later vs a personal loan: how fees, repayment terms and credit file reporting compare, and which suits small purchases or larger expenses.

Read more: 3 things to know about buy now, pay later vs a personal loan
Is debt consolidation a good idea, and does it really save you money?

Is debt consolidation a good idea, and does it really save you money?

Is debt consolidation a good idea? See when consolidating debt saves money, how loan terms and fees change the total cost, and the red flags to check first.

Read more: Is debt consolidation a good idea, and does it really save you money?
Are debt consolidation loans worth it?

Are debt consolidation loans worth it?

Is debt consolidation a good idea? Weigh the pros and cons of debt consolidation loans in Australia, including interest savings, fees, longer terms and risks.

Read more: Are debt consolidation loans worth it?
The hidden cost of education access in Australian property markets

The hidden cost of education access in Australian property markets

School zone premiums range from $200,000 to $1.3 million in Australia. Compare them with private school fees, capital growth data and the risks for families.

Read more: The hidden cost of education access in Australian property markets
HECS debt home loan changes September 2025 boost borrowing capacity

HECS debt home loan changes September 2025 boost borrowing capacity

Does HECS debt affect a home loan? From September 2025, lenders can exclude HELP repayments if the debt clears within 12 months, which may lift your borrowing.

Read more: HECS debt home loan changes September 2025 boost borrowing capacity
Ten essential questions to ask before refinancing your home loan

Ten essential questions to ask before refinancing your home loan

Questions to ask before refinancing your home loan: total costs, equity, comparison rates, fixed vs variable, loan term, features and how your broker is paid.

Read more: Ten essential questions to ask before refinancing your home loan
How much deposit do you need for a car loan in Australia?

How much deposit do you need for a car loan in Australia?

How much deposit do you need for a car loan? Car loan deposits typically range from 10% to 20%, and many lenders offer no-deposit car loans. See the trade-offs.

Read more: How much deposit do you need for a car loan in Australia?

Why choose Attain Loans?

Welcome to Attain Loans. I'm Chrystal, the founder, and I've dedicated my career to mortgages and loans. With over two decades of experience in finance, I've developed a passion for helping people secure their financial future. I established Attain to share my expertise and ensure you access the most competitive deals available. My goal is to make the often complex world of mortgages and loans both understandable and beneficial for you.

Chrystal Evans, founder of Attain Loans and Mortgages Altona

We're family

We are a small family owned, Altona based business that understands your needs at different stages of your life.

We listen

Identifying your goals and finding services and products that meet your needs is our number one job, and we love it!

22 years industry experience

We know the intricacies of the mortgage market and can tailor mortgage solutions for your individual needs.

We have access to the very best lenders

Over 70 of them, including the majors. We're accredited, which means we are fully trained and know all the best options available for you.

Ongoing support

Even when we've found you a great deal we undertake regular reviews to see if we can find you something even better.

We're awesome!

We have an honest, client focused business model and we aim to create long lasting relationships built on trust and respect.

Meet the Attain Loans team

Talk to us today. We're awesome!