AU & EU money · Educational only
Clear, practical finance guides for everyday decisions in Australia & Europe.
Finov Financial Site focuses on banking, credit scores, savings, investing and everyday money topics. Every article is written as neutral, general information to help readers ask clearer questions and understand common concepts.
Content is general information only. It does not consider your objectives, financial situation, or needs.
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Use these categories to navigate between banking, credit, savings, investing, and everyday money topics. New guides are added over time.
Banking
Everyday accounts, low-fee structures, and fee awareness for AU & EU.
Credit & loans
Credit scores, reports, and borrowing basics explained in neutral language.
Savings
Short-term buffers, goal-based saving ideas, and everyday structures.
Investing
Foundational investing concepts, ETF education, and long-term thinking.
Latest guides
Recent articles from PrimeRate Finance Hub. Use them as starting points for your own research.
Mortgages · AU · 11 min read
Australia’s Help to Buy Shared Equity Scheme 2025: Complete Guide for First Home Buyers
The federal Help to Buy shared equity scheme launches in December 2025. This guide explains how the 2% deposit works, who is eligible, how the government’s 30–40% equity stake is structured and the key risks to understand before you apply.
Banking · EU · 11 min read
ECB Interest Rates 2025–2026: What It Means for Eurozone Savers and Borrowers
The European Central Bank has signalled that rates are likely to stay around current levels through 2026. This guide explains what a long pause in rates means for savings accounts, mortgages, personal loans and everyday money decisions across the euro area.
Savings · AU/EU · 14–18 min read
High-Interest Savings Accounts in Australia & Europe (2025 Overview)
A 2025 overview of how high-interest savings accounts work in Australia and Europe, including common features, rate structures, fees, and factors people compare when choosing an account.
Investing · AU/EU · 16–20 min read
ETF Investing for Beginners in Australia & Europe (2025 Guide)
A beginner-friendly 2025 guide to understanding how ETF investing works in Australia and Europe, including structures, fees, risks, and how ETFs differ from other investment options.
Finance education for Australian & European readers
Finov Financial Site focuses on topics that frequently affect everyday financial decisions in Australia and Europe, such as transaction accounts, savings habits, credit reporting, and long-term investing foundations. The site is designed as a neutral educational resource, not a product comparison service or advice provider.
All content is general in nature and may not be up to date with the latest legal, regulatory, or market changes in your country. Readers should cross-check information with official sources and consider obtaining personalised advice from appropriately licensed professionals where relevant.