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Home Loans Articles

Learn more about how to manage your personal finances with RateCity's home loan articles, including how-to-guides on comparing home loan interest rates, fees, features and other benefits.

Mark Bristow

Personal Finance Editor

Fixed vs variable rates: which is better, and can you have both?

To fix or not to fix; it’s a question that every home loan borrower will need to answer. So, is a fixed rate or a variable rate home loan better? And is it possible to have both?

Home Loans

14 Mar, 2025

5 min read

Fixed vs variable rates: which is better, and can you have both?
Mark Bristow

Personal Finance Editor

How to lower your mortgage repayments

Reducing your mortgage repayments can potentially save you thousands of dollars over the life of your loan.

Home Loans

13 Mar, 2025

6 min read

How to lower your mortgage repayments
Vidhu Bajaj

Personal Finance Writer

What is a non-conforming home loan?

A non-conforming home loan is offered to borrowers who don’t meet the standard lending criteria set out by major lenders.

Home Loans

28 Feb, 2025

5 min read

What is a non-conforming home loan? | RateCity
Alex Ritchie

Personal Finance Editor

How long does it take to be pre-approved for a home loan?

A pre-approval can help you understand your borrowing power. Explore how long it takes and the key steps in the home loan process.

Home Loans

26 Feb, 2025

5 min read

How long does it take to be pre-approved for a home loan?
Mia Steiber

How to refinance a home loan in six steps

Refinancing your home loan is a strategy that could save you thousands. If you are considering refinancing, here are the steps you need to know.

Home Loans

25 Feb, 2025

10 min read

How to refinance a home loan in six steps
Mark Bristow

Personal Finance Editor

Can you convert a personal loan to a home loan?

If you are juggling multiple debts, one way to simplify your finances is by consolidating your debts into a single loan.

Home Loans

14 Feb, 2025

6 min read

Can you convert a personal loan to a home loan?
Vidhu Bajaj

Personal Finance Writer

How does a lump sum payment on a home loan help you?

You’re probably keen to repay your home loan as quickly as possible. Find out how making a lump sum payment on a home loan can help you achieve that goal.

Home Loans

03 Feb, 2025

3 min read

How does a lump sum payment on a home loan help you?
Vidhu Bajaj

Personal Finance Writer

Can you use the equity in your home to set up a business?

Learn how to use home equity to fund your business. Explore options like home equity loan, line of credit, and refinancing to access funds securely.

Home Loans

28 Jan, 2025

6 min read

Can you use the equity in your home to set up a business?
Vidhu Bajaj

Personal Finance Writer

Can you change your mortgage broker, and is it a good idea?

Can you switch mortgage brokers? Learn when and how to change brokers, potential risks, and how to find the right broker for your needs.

Home Loans

28 Jan, 2025

6 min read

Can you change your mortgage broker, and is it a good idea?
Mark Bristow

Personal Finance Editor

What is the revert rate in a fixed rate home loan?

The revert rate is the interest rate that your mortgage will automatically switch over to once you reach the end of a fixed rate term.

Home Loans

22 Jan, 2025

6 min read

What is the revert rate in a fixed rate home loan?
Vidhu Bajaj

Personal Finance Writer

How do land and construction loans work?

If you’re planning to buy land and build a house, there are specific land and construction loan options available to you. Find out how these work.

Home Loans

21 Jan, 2025

4 min read

How do land and construction loans work?
Mark Bristow

Personal Finance Editor

What happens to a home loan when someone dies?

Learn what happens to a home loan when a borrower dies, who inherits the debt, and the options beneficiaries have for managing or repaying the mortgage.

Home Loans

17 Jan, 2025

4 min read

What happens to a home loan when someone dies?