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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.
Vidhu Bajaj
Personal Finance Writer
What is a good rental yield?
Learn what is considered a good rental yield, how to calculate rental yield, and best places for rental yield in Australia.
Home Loans
29 Aug, 2024
7 min read
Jodie Humphries
Personal Finance Editor
How does a guarantor mortgage work?
A guarantor home loan allows family members to use their home equity as security for your loan. If you cannot repay the loan, your guarantor then becomes responsible for making the monthly payments.
Home Loans
29 Aug, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
What is a property development loan?
Learn what a property development loan is, how it works, the differences between residential and commercial loans, and how much you can borrow for your project.
Home Loans
28 Aug, 2024
6 min read
Jodie Humphries
Personal Finance Editor
Average mortgage age in Australia
If the average Australian first home buyer’s age is between 25 and 36 years old, this would make the average age to pay off a mortgage in Australia between 50 and 66 years.
Home Loans
28 Aug, 2024
4 min read
Vidhu Bajaj
Personal Finance Writer
What are the pros and cons of bridging loans?
Learn the pros and cons of bridging loans, a short-term solution to finance a new property while waiting to sell your current home, with flexible options and risks.
Home Loans
27 Aug, 2024
8 min read
Vidhu Bajaj
Personal Finance Writer
What happens when you pay off your mortgage
After years of discipline, your home loan is fully paid. What next? Let’s take a look at what to do after paying off the mortgage.
Home Loans
23 Aug, 2024
9 min read
Vidhu Bajaj
Personal Finance Writer
Can you sell a house before paying off the mortgage?
Understand what is mortgage discharge and loan portability if you're planning to sell the house before the mortgage is paid.
Home Loans
22 Aug, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
How do mortgage brokers get paid?
How mortgage brokers get paid? Can this affect which home loans the broker recommends? Let’s explore how mortgage brokers operate and receive commissions.
Home Loans
22 Aug, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
Own your house outright and want another loan?
If you meet the lender’s eligibility criteria and have sufficient usable equity, you could use your current home’s value to help finance the purchase of a second property,
Home Loans
20 Aug, 2024
7 min read
Alex Ritchie
Personal Finance Editor
What is cash-out refinancing, and how does it help you?
Whether you want to renovate a home, pay for a wedding or make some new investments, if you need some extra cash, you could consider leveraging the equity in your home. This is also known as cash-out refinancing, and it’s a competitive option for some homeowners to consider.
Home Loans
15 Aug, 2024
7 min read
Peter Terlato
Personal Finance Editor
What is the difference between an offset account and redraw facility?
The main difference between an offset account and a redraw facility is that an offset account operates as a transaction account that can be accessed whenever you need it, while a redraw facility is more like an “emergency fund” that you can draw on if necessary, but isn’t intended to be used for everyday expenses.
Home Loans
14 Aug, 2024
6 min read
Jodie Humphries
Personal Finance Editor
How to purchase property as a couple but keep one name on the property title
Some couples may want to buy a property together, but keep one borrower’s name off the property title to protect assets or reduce taxes. Although it may seem an uncommon structure, several lenders allow you to jointly apply for a mortgage with only one name on the title.
Home Loans
13 Aug, 2024
4 min read
Trending articles
Vidhu Bajaj
Personal Finance Writer
29 Aug, 2024
What is a good rental yield?
Jodie Humphries
Personal Finance Editor
29 Aug, 2024
How does a guarantor mortgage work?
Vidhu Bajaj
Personal Finance Writer
28 Aug, 2024
What is a property development loan?
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