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Heath Seam

Heath is a highly skilled content marketer with extensive experience in crafting insightful articles within the finance sector. His deep understanding of the industry allows him to create compelling content that educates and engages readers, helping them navigate the complexities of finance with confidence.
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How Long Does Debt Consolidation Stay On Your Credit Report
Debt Consolidation

How Long Does Debt Consolidation Stay On Your Credit Report?

When you’re dealing with multiple debts, consolidating them into one manageable repayment can feel like a huge relief. But a common question many Australians ask is:
“How long will this stay on my credit report?”

Heath Seam 4 November 2025
Can Husband and Wife Consolidate Debt Together
Debt Consolidation

Can Husband and Wife Consolidate Debt Together?

Consolidating debt means merging several debts (credit cards, personal loans, store credit, etc.) into one single loan or repayment plan.

Heath Seam 12 September 2025
5 Smart Moves to Make After the RBA Rate Cut - Don't Miss These Opportunities
Debt Consolidation

5 Smart Moves to Make After the RBA Rate Cut – Don’t Miss These Opportunities

The Reserve Bank of Australia has just announced a significant rate cut, dropping the official cash rate from 3.85% to 3.60%. This move, aimed at stimulating the economy and easing cost-of-living pressures, presents a golden opportunity for Australian borrowers to improve their financial position.

Heath Seam 13 August 2025
How to Build a Budget When You're Drowning in Debt
Debt Consolidation

How to Build a Budget When You’re Drowning in Debt

When you’re overwhelmed by debt, creating a budget might feel pointless or even impossible. But a solid, realistic budget is often the first step out of financial stress and toward stability.

Heath Seam 4 July 2025
Beyond Bad Credit: Rebuilding Your Credit Score after Defaults
Personal Loans

Beyond Bad Credit: Rebuilding Your Credit Score after Defaults

A default on your credit file can feel like a financial setback with no easy way forward. Whether you missed a mortgage payment, fell behind on a personal loan, or experienced an unexpected hardship, having a default listed against your name often makes lenders hesitant. However, it’s important to remember that defaults don’t last forever and with the right strategy, you can rebuild your credit score in a realistic, step-by-step fashion.

Heath Seam 6 June 2025
Debt Consolidation vs. Personal Loans: Choosing the Best Path to Financial Freedom
Personal Loans

Debt Consolidation vs Personal Loans: Choosing the Best Path to Financial Freedom

When debt starts to feel overwhelming, finding the right borrowing solution can be a powerful step toward financial relief. Two popular options are debt consolidation loans and multiple personal loans.

Heath Seam 23 May 2025
Labor’s plan lets first-home buyers enter the market with a 5 per cent deposit and no LMI. Learn how it works, benefits, risks, and steps to prepare.
Home Loans

Labor’s 5 Percent Deposit Plan: What It Could Mean for First-Home Buyers and How to Get Loan-Ready

The 2025 federal-election campaign has thrust housing affordability back into the spotlight. Labor has pledged that, from 1 January 2026, every first-home buyer will be able to purchase with just a 5 percent deposit.

Heath Seam 2 May 2025
Small Business Financing 101: From Startup to Expansion
Refinance and Refinancing

Small Business Financing 101: From Startup to Expansion

Starting or growing a small business can be both exhilarating and challenging, especially when it comes to securing the right funding. Whether you’re just launching your venture or looking to expand, financial backing is often the key to turning vision into reality.

Heath Seam 4 April 2025
5 Signs It’s Time to Refinance Your Home Loan
Mortgage

Refinance Your Home Loan: 5 Powerful Reasons to Save Big

For many borrowers, especially those navigating multiple loans or credit lines, credit utilisation ratio (CUR) is a key metric that influences both credit scores and overall financial health. But what is it exactly?

Heath Seam 13 March 2025
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Useful Articles
How Long Does Debt Consolidation Stay On Your Credit Report?
Can Husband and Wife Consolidate Debt Together?
5 Smart Moves to Make After the RBA Rate Cut – Don’t Miss These Opportunities
How to Build a Budget When You’re Drowning in Debt
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