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.

01 Sep 2026
Bea Garcia

Home Loan Cashback Offers and Deals

Lenders tend to come and go with short-lived cashback offers, with only a handful consistently providing them. However with lower interest rates abound, more ju...

01 Sep 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...

27 Aug 2026
Bea Garcia

Everything you need to know about property conveyancing

Even after an offer for a property is accepted, changing ownership isn’t as simple as handing over the keys. Conveyancing is the legal and administrative ...

20 Aug 2026
Bea Garcia

Refinancing Your Home Loan For a Car

Using a home loan to buy a car can mean lower repayments, but it may leave you paying much more in interest over the life of the loan.

18 Aug 2026
Bea Garcia

Should I fix my home loan?

Interest rates are moving and borrowers face a familiar dilemma: to fix or not to fix? Your decision may come down to your appetite for risk and outlook for int...

21 Jul 2026
Bea Garcia

How to get a home loan when you're self-employed

Being self-employed doesn't mean homeownership is out of reach. It can feel more complicated than applying for a home loan as a traditional employee, but unders...

20 Jul 2026
Bea Garcia

What is a home loan package deal and how do they work?

Package home loans bundle various products with the mortgage for convenience, but you want to make sure you’re actually getting value for money.

20 Jul 2026
Bea Garcia

How to overdraw your bank account

Have you ever checked your bank account and found your balance was negative? If so, you know what it’s like to be overdrawn. These Australian banks let yo...

17 Jul 2026
Bea Garcia

How to compare medical loans

Medicare is a great resource in Australia, but lots of people find themselves in a spot where they are unable to cover the cost of an upcoming medical expense, ...

09 Jul 2026
Bea Garcia

The benefits of overpaying your mortgage 

One way to shorten the timeframe of your 25 or 30-year mortgage is to make repayments above and beyond the minimums set by a bank or lender.

08 Jul 2026
Bea Garcia

What can be used as collateral for a personal loan?

If you’re interested in a personal loan, putting up an asset as collateral can mean more favorable loan terms and lower interest rates.

08 Jul 2026