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

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
Bea Garcia

Fixed vs Variable Car Loans: What’s the Difference?

So you’ve decided you’re in need of a loan to finance your new set of wheels. But how do you choose between a variable car loan and a fixed car loan...

04 Jul 2025
Bea Garcia

Term Deposits for Children

Opening a term deposit for your child - or indeed, children - could be your way of supporting them with fixed interest and reliable gains when they come into ad...

01 Jul 2025
Bea Garcia

What Are Velocity Points & How Do They Work?

Over 12 million Australians are signed up for Virgin's Velocity rewards program. Here is your guide to how to earn points and how it stacks up next to the Qanta...

26 Jun 2025
Harrison Astbury

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...

12 Jan 2025