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

Bea Garcia

Is it better to make monthly, fortnightly or weekly home loan repayments?

Switching from monthly to fortnightly payments or even weekly payments can be a practical strategy in reducing the total interest you pay over the life of the l...

09 Jun 2026
Bea Garcia

Home Loans for Seniors

Approaching your twilight years and need to buy a new home? Home loans for seniors are possible, you just might need to explore some alternative options or have...

08 Jun 2026
Bea Garcia

What to do when you can't pay your debts

Behind on repayments? Act now. Call your lender, cut a clear budget, and cover essentials first. Debt, whether from a home loan, car loan, or personal loan, is ...

01 Jun 2026
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 Jun 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 Jun 2026
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...

13 May 2026
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...

12 May 2026
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 ...

12 May 2026
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.

11 May 2026
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