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

Compare Owner Occupier Home Loans

Owner occupier loans are the dominant force in the Australian residential mortgage landscape, outnumbering investors at a rate of about 2-1. Find out more about...

04 Sep 2025
Bea Garcia

Can you get a business loan with bad credit?

Bad credit doesn’t have to shut the door on your business journey. There are still smart, reliable ways to get funding, even with a low score.

04 Sep 2025
Bernadette Lunas

Which Bank Is Best for Home Loans in Australia?

Selecting the right bank for your home loan can significantly impact your financial future. Here are the essential factors to consider when choosing your mortga...

04 Sep 2025
Bea Garcia

Bad Credit Home Loans Rates

A bad credit does not automatically mean that you cannot get a mortgage. It still varies depending on your rating. Bad credit home loans are designed for people...

04 Sep 2025
Bea Garcia

Which banks use Osko?

Osko is a fast and simple way to pay people or businesses and transfer money between bank accounts using Australia’s New Payments Platform (NPP).

02 Sep 2025
Bea Garcia

Redraw vs Offset Home Loans Explained

Choosing a home loan might seem straightforward until you weigh up features like offset accounts and redraw facilities. What’s the difference, and which o...

28 Aug 2025
Harry O'Sullivan

No Deposit Car Loans

With a no-deposit car loan, you can skip a big upfront cost and hit the road in no time. But what does going deposit-free mean for your money?

26 Aug 2025
Bea Garcia

Who offers fast personal loans?

When time is tight and expenses can’t wait, a fast personal loan can be a lifesaver. But how can you ensure you’re not getting ripped off?

26 Aug 2025
Bea Garcia

Which banks and lenders automatically lower repayments after a rate cut?

Think your home loan repayments automatically drop after a rate cut? Not always. Discover which banks and lenders automatically adjust your repayments for you.

21 Aug 2025
Bea Garcia

What are the different types of business loans?

Need capital to grow your business? Understand the pros, cons, and use cases of different loan options for your business.

20 Aug 2025
Bea Garcia

Guidelines for Getting Small Business Loans Without a House

Getting a small business loan doesn’t have to mean putting your home on the line. There are financing options designed to keep your home separate from you...

20 Aug 2025
Bea Garcia

Starting a Small Business Checklist

Launching a small business is an exciting leap, but without a clear setup plan, it’s easy to feel overwhelmed or miss critical steps. Get your business up...

08 Aug 2025