About the author

Bernadette is a journalist with years of experience covering topics in macroeconomics, real estate, and lifestyle beats for notable print media organisations. She joined the InfoChoice Group in 2024, bringing her passion for writing stories that help Australians make better decisions about money.


Bernadette's latest articles

Bernadette Lunas

Debit vs Credit Card

The main difference between a credit card and a debit card is how they finance a purchase. And whichever is better depends largely on your financial goals an...

15 Feb 2024
Bernadette Lunas

Record home prices defy economic indicators – here's why

When it comes to relationship breakdowns in Australia, nothing has been more apparent in recent months than the decoupling between home values and housing ma...

14 Feb 2024
Bernadette Lunas

Valentine’s Day sparks financial scams

No rest for the wicked indeed, even on Valentine’s Day, as romance scam activities targeting unsuspecting Aus...

13 Feb 2024
Bernadette Lunas

High cash rate spurs refinancing activity in 2023

New mortgages fell as Aussies opt to refinance in a bid to circumvent the impact of high cash rates gripping the ho...

13 Feb 2024
Bernadette Lunas

Nearly 19k first home buyers benefit from NSW stamp duty relief

Thousands of first home buyers in New South Wales have saved up to $30,000 in stamp duty following reforms that lif...

12 Feb 2024
Bernadette Lunas

Term deposit rates move in different directions in the wake of RBA pause

In the wake of RBA’s decision to keep the cash rate unchanged in February, some of Australia’s big bank...

09 Feb 2024
Bernadette Lunas

Why do home values fluctuate if there’s a chronic supply shortage?

Generally, prices tend to go higher when supply lags behind demand. But despite the ongoing housing supply shortage...

08 Feb 2024
Bernadette Lunas

More sellers in major cities list their properties under distressed conditions

During a traditionally quiet time for residential listings, SQM Research data showed January saw an increasing numb...

07 Feb 2024
Bernadette Lunas

Red-hot rental market: Vacancy in Australia’s capital cities at critical levels in January

As tenants grapple with rising rent prices and a chronic supply shortage, the latest PropTrack report points to no ...

07 Feb 2024
Bernadette Lunas

Reserve Bank holds rates steady in February, but future hikes 'cannot be ruled out'

After its inaugural two-day meeting, the Reserve Bank on Tuesday has decided to keep the cash rate unchanged at 4.35% in February.

06 Feb 2024
Bernadette Lunas

Property settlements down in 2023, but Q4 sales boom suggests growing momentum

Property sales transactions across five mainland states in 2023 fell 9.1% year-on-year, the latest PEXA Property In...

06 Feb 2024
Bernadette Lunas

Two-thirds of Aussies under dire levels of rental stress

Seven out of 10 Australian renters are paying more than 30% of their gross income on rent, with over two-thirds mod...

03 Feb 2024