The National Disability Insurance Scheme (NDIS) is a national scheme that provides support for Australians who have permanent and significant disability.

Nearly two years ago, the Reserve Bank of Australia (RBA) made the unprecedented decision to lower the cash rate to a historic low of 0.10 per cent, a strategic manoeuvre aimed at revitalising the economy.

The RBA announced another rate rise in November after four consecutive months with no movement. As some experts predict more on the way, there is no time to waste when it comes to saving on interest repayments, especially if you have a variable rate loan.

Lenders rely largely on a customer’s credit score or credit worthiness to get a snapshot of their habits and financial acumen.