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Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

Loans from $2100 to $10,000 require a car, motorbike, boat or caravan to be provided as security. If you cannot provide security, please apply for $2000 or less.

The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on our loans between $300 and $2000 is 199.43%. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

The Interest Rate for Secured Large Amount Loans is 21.24%. Maximum Comparison Rate is 48% p.a. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Click here to see a worked example.

The most expensive places to live in Australia

the most expensive places to live

When choosing where to live, the cost of living is an incredibly important factor. Cities are often the most expensive places to live especially since this is where the best jobs are found. In fact, five Australian cities have made the top 30-list of most expensive cities to live in the world. Nevertheless, the cost of living does vary from suburb to suburb within a city. That why we’ve put together a list of the most expensive places to live in Australia’s most expensive cities, but we’ve contrasted them with the cheapest suburbs (but nicest) suburbs to live in Australia.

Let’s look at the most expensive places to live: 5 Most expensive cities in Australia

  1. Sydney – it is ranked 11th out of the 30 most expensive cities in the world.
  2. Melbourne – was ranked 15th out the 30 most expensive cities in the world
  3. Perth – Ranked 19th
  4. Canberra – Ranked 23rd
  5. Brisbane – Ranked 24th

10 Most expensive cities in the world

  1. Singapore
  2. Hong Kong
  3. Zurich
  4. Tokyo
  5. Osaka
  6. Seoul
  7. Geneva
  8. Paris
  9. New York
  10. Copenhagen

So, Australian cities don’t make the top 10-list but they make the top 30.

Why live in an expensive area?

Choosing the right suburb is not only about the price, and there are several reasons why people would choose to live in an expensive area over more affordable one.  Here is a list of the some of the factors people may look at when choosing a suburb to live in.

Social amenities – how close the area is to bars, restaurants, shops and night entertainment might be an important lifestyle factor. Some people prefer living closer to the city to be closer to what’s going on, whereas others may not need access to as many social amenities.

Family friendly – families will likely to look for areas that are suburban and are quieter. They are likely to look for homes in areas that are closer to schools, parks and other family friendly amenities. Suburbs also allow you to find bigger houses which are more suited to families.

Rural – some people may want to really get away from the city and opt for a peaceful lifestyle. Some properties located outside of the city on rural land might be attractive to families, or couples looking for a peaceful way of life. Social amenities that you find in the city may not be as an important a factor.

Beachside – Another feature that may attract families, retirees, or anyone for that matter is a beach side location. This is because it promises a lifestyle, close to the sun and nature.

Most expensive Sydney suburbs

Australia’s most expensive city, with the cost of living so high, why not check out some of our Sydney Cash loans today


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Darling point – located a few kilometres from the city right along the bay, Darling point is one of the most expensive places to live in Sydney. It’s not surprising that you find many retirees and older residents, living in this perfectly situated location. Though most residential properties are apartments rather than houses or aged-care homes.

Vaucluse – located further away from this city, this exclusive area of Sydney is located close to beaches as well as the Sydney Harbour National Park. While it’s one of the most expensive places to live in Sydney it’s a perfect location for families. It also offers stunning views of the Sydney harbour and the cityscape.

Cremorne point – this suburb is only located a few suburbs away from the Sydney CBD. Most properties found in this area are apartments that offer stunning views. Most residents are families and older couples.

Bellevue hill – this is the suburbs where you’ll find Sydney’s wealthiest residents. Properties found here are mostly houses rather than apartments. The lifestyle here is laid-back and peaceful.

Dawes point – this suburb is located right on the harbour and offers spectacular views which are reflected in the views offered in the location.

Tamarama – is one the most expensive places to live in Sydney as it located next to Bondi beach, offering a laid-back lifestyle attractive to wealthy buyers.

Dover heights – this is one of Sydney’s coastal suburbs, attracting families who like the relaxed beach lifestyle.

Most expensive suburbs in Melbourne

As Australia’s second most expensive city, we’ve listed the most expensive places to live in Melbourne.

Toorak – this one of Melbourne’s most places to live as it offers a chic suburban lifestyle with stylish boutiques, cafes and restaurants. Since it is located outside of the city centre the streets are quiet. You can find some amazing homes in this suburb.

Deepdene – is located between 2 other expensive Melbourne suburbs Balwyn and Kew. Offering beautiful vegetation and plenty of nice cafes and boutiques.

Canterbury – this is one of the most expensive suburbs in Melbourne as here you will find some of Melbourne’s most prestigious private schools. You can find some of Melbourne’s most expensive properties in this suburb.

Middle park – is an expensive Melbourne suburb where you can find young families. Its conveniently located only a few kilometres from the CBD and but is a relatively quiet area to live in Melbourne.

Balwyn – is one of the most expensive suburbs in Melbourne as it is home to stunning period homes as well as close distance to good private and public schools. You can find interesting shops, cinemas and cafes in Balwyn.

St Kilda West – here you can find stunning Victorian and Edwardian style homes, as well as plenty of cafes and restaurants. It’s a trendy area, attracting young single and young couples.

Brighton – is a beachside town located outside of Melbourne’s CBD and offers a laidback lifestyle. Its only 11km from the centre of the city.

Armadale – is located right next to Toorak and is one Melbourne’s most elite suburbs. It’s a popular location to live because its home to private school, plenty of shops, cafes and restaurants offering a great suburban lifestyle.

Kew – is home to modern art deco homes and attracts a variety of residents from couples to young families.

Most expensive suburbs Perth

Perth is the 3rd most expensive city in Australia, and is also home to some of the most expensive places to live in Australia. Get a cash loan to help with the cost of living in this expensive city. Here is a list of the most expensive places in Perth.

Peppermint Grove – this is an incredibly wealthy area of Perth where you can find stunning homes. Its gets in name from the pepper trees found in the area.

Dalkeith – located a few kilometres from the CBD this is one of Perth’s most expensive areas to live. Here you can find million dollar mansions surrounded by the swan river, and offering stunning views of the river.

Cottlesloe – is a beachside suburb that offers a laid-back beach lifestyle that attracts residents from all different backgrounds.

City Beach – is another beachside town, that offers stunning beach views and a laid-back lifestyle it offers. Plus, it is full of great restaurants and amenities and is why it one of the most expensive places to live in Perth.

Swan Bourne – this elite suburb is full of older style homes that have been revamped. It is also a coastal offering an attractive lifestyle to residents.

Nedlands – is another expensive suburb of Perth though you can find a variety lower-priced homes amongst the most expensive ones in this location.

Churchlands – this is one Perth’s most expensive suburbs and located slightly further outside of the city. It is considered as one of the most elite suburbs in Perth. It is located near a lake called Herdsman lake which is a popular destination for birders watchers to come.

Shenton park – is not too far away from the city centre and is a great place for families to live as it is surrounds by beautiful parks.

Most expensive suburbs in Canberra

Forrest – this is clearly the most expensive place in Canberra as it neighbours the parliamentary triangle. Many diplomats and politicians have their homes in this suburb.

Yarralumla – this is a very green suburb that is located next to the governor general’s office and the royal golf course. Here you can generally find older style residences that have been refurbished to look modern.

Griffith – a great location for families as it is close to schools and top restaurants. Though it is a very trendy area and is why it is one of the most expensive places to live in Perth.

Reid – a traditional suburbs that is surrounds by trees and parks and offers a nice relaxed lifestyle considering its proximity to the CBD.

Turner – is located to the top university campuses in Canberra, attracting students and young professionals though it is still one of the most expensive places to live in the city.

Red Hill – located just outside of the CBD Red hill is full of high end properties and is why it is one the most expensive places to live in Perth. It also offers stunning views since it located on a hill.

Braddon – this is suburb that used to be an industrial area, though now it has been transformed into a trendy and modern area. It offers an attractive lifestyle to residents and it is full of boutiques, bars and restaurants.

Campbell –  This elite suburb is home to the iconic war memorial as well as many other attractions.

Most expensive places to live in Brisbane

Teneriffe – it used to be an industrial area that has since been revamped and transformed in to a trendy residential area. It features a building called the woolstores that used to be an industrial building but has since been revitalised and turned into a funky set of apartments. You can also find traditional Queenslander houses that have been preserved. It’s also full of great amenities such as restaurants, bars and hipster cafes.

New Farm – this is another trendy suburb and is one of most expensive in Brisbane. It offers a great lifestyle, located next to New Farm park and the new farm markets that happen every weekend. Since it is located along the river you can take the city cat to get around.

Ascot – this is one of the most elite suburbs in Brisbane. Here you can find stunning Queenslander homes located near private schools and the Eagle farm racecourse. We provide loans to this area too!

Hawthorne – this suburb gets in name from the Hawthorne bushes that were planted there in 1850s. It is a great suburb for families since it is close to parks and private schools.

Highgate Hill & West End – are areas that are amongst the most expensive places to live in Brisbane.  It is a trendy area that is close to the CBD and Southbank, offering a great lifestyle because there is plenty to do here.

Chandler – is located a bit further out of the centre of Brisbane but is one of the most elite areas as it offers some stunning properties on acreage.

Best value places to live in Australia – Cheap but nice cities

As you can see Australia’s most 5 expensive cities are home to some stunning but incredibly expensive suburbs. Nevertheless, there are some cities that are much more affordable but are still very liveable. Here is a list of the most affordable but liveable cities in Australia:

Adelaide: this is understated city with amazing food and wine culture. It’s very artsy and has a laid-back lifestyle. It has a much lower cost of living than the other Australian cities. It’s also very close to the beach and the outback.

Hobart: is another capital city that should be underestimated for its liveability. Since Tasmania is so small, life here is different to other Australian cities. Tasmania offers stunning scenery and lifestyle here is very laid-back. Housing is also very affordable in Hobart. However if you are struggling with the financial cost of the Tasmanian city, we have financial options to support you.

Cairns: is famous for the Great Barrier Reef, though it’s not often considered for its liveability in terms of its lifestyle as it is often overlooked as tourist destination. While that is true, Cairns offers an incredibly peaceful lifestyle, and it has a very low population density.

The Gold Coast: this is another great city to live in because of the lifestyle you can find here. It’s not the cheapest place to live, though you can find some incredibly affordable areas. It’s a great place to raise a family as it offers an outdoorsy lifestyle.