About the author

Bea is a journalist with a focus on finance and lifestyle. Currently writing for the InfoChoice Group, she brings her experience working with established media organisations in helping Australians make smarter, more confident financial decisions through accessible content. She previously worked as a content specialist, focusing on workplace culture and business resilience.

Qualifications

  • Bachelor of Arts, Journalism - University of the Philippines, 2023

Bea's latest articles

Bernadette Lunas

Home Loan Statistics Australia

Compare mortgage statistics such as average interest rates, average home loan sizes, first home buyer numbers and more.

Yesterday
Bea Garcia

Personal loan application rejection: What's next?

Having a personal loan application rejected can be a frustrating experience, to say the least. But there are ways to improve your financial position and increas...

Yesterday
Bea Garcia

How to know if I'm eligible for a personal loan

Personal loan eligibility comes down to your credit, income, debts, and job stability. Ultimately, you need to show lenders how reliably you can handle repaymen...

2 day(s) ago
Bea Garcia

How to get a personal loan with bad credit

Finding personal loans if you have a poor credit history can be tricky but there are plenty of loans here that just about anyone with provable income can apply ...

2 day(s) ago
Bea Garcia

How to get approved for a car loan with bad credit

Bad credit doesn’t have to stall your car plans. There are still pathways to get behind the wheel if you know where to look.

3 day(s) ago
Bea Garcia

History of RBA Cash Rate in Australia

The Reserve Bank of Australia's (RBA) cash rate target in-part determines interest rates on financial products.

05 May 2026
Bea Garcia

What's the difference between personal loans and renovation loans?

When it comes to funding a home makeover, not all loans are created equal. Personal loans cover smaller, short-term projects, while renovation loans suit larger...

29 Apr 2026
Bea Garcia

A complete guide to neobanks

Neobanks are digital-only banks built for speed, low fees, and user-friendly apps. They offer convenience and smart financial tools, but with fewer services and...

28 Apr 2026
Bea Garcia

Understanding margin calls

A margin call is the financial red flag that flashes when your loan-to-value ratio climbs above the agreed limit.

27 Apr 2026
Bea Garcia

What to do when your term deposit matures

Term deposits have long been a popular choice for individuals looking to safely invest their money while earning a predictable return. But what happens when the...

24 Apr 2026
Bea Garcia

How can mum and dad help me buy a house?

Saving a 20% deposit is one of the toughest roadblocks for first‑home buyers, and many are turning to the ‘Bank of Mum and Dad,’ where parents step ...

17 Apr 2026
Bea Garcia

Pros and cons of getting a home loan with friends or family

Teaming up with your sister or your best mate might seem like a great way to double your borrowing power and get on the property ladder sooner, but there’...

16 Apr 2026