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

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
Bea Garcia

Understanding Comprehensive Credit Reporting

Comprehensive credit reporting is changing how lenders see you, and it could help or hurt your chances of getting credit like a home loan or car loan.

08 Aug 2025
Bea Garcia

Investing in Bonds in Australia: A Comprehensive Guide

You’ve likely heard of shares, property, and term deposits. But how do bonds work, and what role do interest rates play? Let’s break it down.

07 Aug 2025
Harrison Astbury

Compare home loans from the big four banks

The major banks are some of the most prolific home loan lenders in Australia, making up 75% of home loans in the market. See how CommBank, Westpac, NAB, and ANZ...

31 Jul 2025
Alexi Falson

How to Get a Car Loan with an ABN in Australia

If you’re a small business or self-employed Aussie looking to upgrade your work vehicle, getting a car loan via your ABN can prove a game-changer.

31 Jul 2025
Alexi Falson

Is it better to get a car loan from a bank or a dealer?

Buying a car is exciting, but it’s important to keep your emotions at bay to get the best finance deal.

24 Jul 2025
Bea Garcia

What Is a Comparison Rate for Home Loans?

When looking at home loans, you may have noticed the advertised interest rate, and the comparison rate. But what’s the difference?

18 Jul 2025
Bea Garcia

Saving for a Holiday and a House

How do you save for a house and still take a much-needed holiday? With the right planning, a getaway doesn’t have to come at the cost of your deposit.

14 Jul 2025
Bea Garcia

What Is LVR and Why It Matters for Your Home Loan

In the world of home loans, there’s a lot of different terminology thrown around that might not make sense. Your loan-to-value ratio, or LVR, is a key con...

10 Jul 2025