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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.

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

04 May, 2023

10 min read

How to refinance a home loan in six steps
Vidhu Bajaj

Personal Finance Writer

Why should you consider paying your mortgage every two weeks?

While many people make mortgage repayments once a month, paying your mortgage every two weeks offers some advantages. Find out why you should consider paying your mortgage fortnightly.

Home Loans

02 May, 2023

5 min read

Why should you consider paying your mortgage every two weeks?
Alex Ritchie

Personal Finance Editor

What happens on home loan settlement day when you refinance?

Settlement is a crucial step in the home loan process, as it provides you with breathing space to know you are satisfied with the new loan. Let’s explore what homeowners need to know about the refinancing process before, during and after settlement. 

Home Loans

28 Apr, 2023

4 min read

What happens on home loan settlement day when you refinance?
Alex Ritchie

Personal Finance Editor

Using a broker to refinance your home loan

A mortgage broker can assist homeowners with the entire refinancing process, from choosing a new lender to helping fill in your application. Let’s explore what you need to know about using a broker to refinance your mortgage.

Home Loans

18 Apr, 2023

4 min read

Using a broker to refinance your home loan
Jodie Humphries

Personal Finance Editor

Dealing with a negative mortgage when going through a divorce

Find out your options if you’re dealing with divorce proceedings and your house has a negative equity mortgage.

Home Loans

17 Apr, 2023

6 min read

Dealing with a negative mortgage when going through a divorce
Peter Terlato

Personal Finance Editor

What is Afford Assist?

Saving for a deposit can be incredibly difficult, particularly if you’re battling tough economic conditions, such as soaring inflation, costly real estate values and a pricey rental market. AffordAssist provides an alternative solution.

Home Loans

13 Apr, 2023

5 min read

What is Afford Assist?
Peter Terlato

Personal Finance Editor

How to find a good home loan lender

Finding a good home loan provider can be as important as finding the right house to buy. Here’s how to go about determining if the lender you're considering is ideal for you and your needs.

Home Loans

11 Apr, 2023

4 min read

How to find a good home loan lender
Mark Bristow

Personal Finance Editor

How much equity do I need to refinance?

There are many reasons why you might want to refinance your mortgage - to get a better interest rate, access your equity to fund a project, consolidate debt, or change your loan terms to better suit your changing personal and financial circumstances.

Home Loans

05 Apr, 2023

6 min read

How much equity do I need to refinance?
Alex Ritchie

Personal Finance Editor

Are you at risk of mortgage stress when rates rise?

Interest rates are rising at a rapid pace, leaving many Australian homeowners at risk of mortgage stress. Calculate if the latest hikes have put you at risk, and discover steps you can take to overcome mortgage stress.

Home Loans

03 Apr, 2023

4 min read

Are you at risk of mortgage stress when rates rise?
Mark Bristow

Personal Finance Editor

Ten tips to know before refinancing your home loan

It’s relatively rare to stick with the same home loan for the entire loan term in Australia. Considering that refinancing is such an essential part of the mortgage process, it’s important to be aware of some of the common issues that could arise, as well as ways to help the process proceed more smoothly.

Home Loans

31 Mar, 2023

7 min read

Ten tips to know before refinancing your home loan
Mark Bristow

Personal Finance Editor

How often should you refinance your home loan?

There is no hard and fast rule as to how often you should refinance your home loan, though many Australian borrowers switch loans after five or six years. There are also certain events that could trigger a desire to shop around for a better mortgage deal.

Home Loans

31 Mar, 2023

8 min read

How often should you refinance your home loan?
Mark Bristow

Personal Finance Editor

Does refinancing really save you money?

In a time when every dollar counts for household budgets, it’s no surprise so many Australians are looking to get a little breathing room from their mortgage repayments. But can refinancing your home loan really make a difference to an everyday household budget?

Home Loans

28 Mar, 2023

5 min read

Does refinancing really save you money?