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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.

Laine Gordon

Money Editor

Avoid the sting: Banks take $5billion a year from home owners

RateCity investigates just how much income banks earn from your home loan fees and how you can lessen the sting. Do you currently have a home loan and always seem to be paying fees? Well, the banks aren\\\'t complaining as they profit from your money.

Home Loans

23 Jun, 2010

3 min read

Avoid the sting Banks take $5billion a year from home owners
Laine Gordon

Money Editor

Save over $34,000 on your home loan

RateCity shows you how to save on your home loan and why you shouldn't give up on your dream of owning your own home while the housing market plummets.

Home Loans

23 Jun, 2010

3 min read

Save over $34,000 on your home loan
RateCity

The Australian housing market explained

The Australian housing market is one of the most topical aspects of the economy and is continually in the headlines. Those wishing to enter the housing market should do their research on both property prices and home loans so you can make better informed decisions about your financial situation.

Home Loans

16 Jun, 2010

1 min read

The Australian housing market explained
RateCity

Residential mortgage lenders for individuals

Residential mortgage lenders are financial institutions that lend money to an individual and not a company. Most mortgage lenders today can provide home loans for individuals purchasing their own home or an investment property.

Home Loans

10 Jun, 2010

1 min read

Residential mortgage lenders for individuals
Laine Gordon

Money Editor

Quitting smoking can save you $100,000 off your mortgage

RateCity investigates the huge savings smokers can make by quitting and paying down their mortgage. The latest interest rate rises have put pressure on most households with a mortgage. And if you’re a smoker, the federal government’s new 25 percent tax hike on packs of cigarettes will be sure to put an extra sting on your finances.

Home Loans

27 May, 2010

3 min read

Quitting smoking can save you $100,000 off your mortgage
Laine Gordon

Money Editor

Playing scrooge: beating banks at their own home loans game

Australian home buyers are facing some of the strictest lending requirements in recent years, as financial institutions demand more genuine savings before securing a home loan. But are Australians getting a raw deal, or are these the necessary precautions that every lender must make?

Home Loans

27 May, 2010

3 min read

Playing scrooge beating banks at their own home loans game
Laine Gordon

Money Editor

Investors set to heat up property market

RateCity looks at the surprise investment boom in the property market as higher rates push home owners out. An increase in the size of home loans taken on by Australians is a concern, especially for first home buyers who generally earn less money, and will have a harder time affording any increased mortgage repayments.

Home Loans

27 May, 2010

3 min read

Investors set to heat up property market
Laine Gordon

Money Editor

Lenders keep a tight grip on home loan criteria

Lenders are showing no signs of easing their tight lending criteria for home loans. RateCity shows you its new findings as well as tips on how to score the best home loan for first home buyers.

Home Loans

24 May, 2010

3 min read

Lenders keep a tight grip on home loan criteria
Laine Gordon

Money Editor

How to save your home from another rate increase

With six rate rises over the past eight months and four rate rises this year alone, home owners are feeling the pinch after yet another rate hike this month. RateCity looks at why refinancing your mortgage may aid in reducing the financial pressure.

Home Loans

10 May, 2010

3 min read

How to save your home from another rate increase
Laine Gordon

Money Editor

Getting a home loan in spite of a bad credit history

Have you ever forgotten to pay a bill or two? Or previously been declined for a loan? You may be one of the many credit-impaired people with a desire to get into the housing market but are unsure if your past is going to catch up with you. RateCity shows you how owning a home can be possible for those with a bad credit history.

Home Loans

10 May, 2010

3 min read

Getting a home loan in spite of a bad credit history
Mark Bristow

Personal Finance Editor

What happens if I miss mortgage repayments?

When we sign up for a mortgage we can get so caught up in the dream of owning a home that we haven't suitably prepared for the actual impact the repayments will have on our life. The main problem is, if you have a bad week and miss a payment, you will be stung with a fee, magnifying to your home loan repayment woes.

Home Loans

09 May, 2010

4 min read

What happens if I miss mortgage repayments?
Laine Gordon

Money Editor

Make late mortgage repayments a thing of the past

Are you thinking of skipping a home-loan repayment? With late fees costing up to $195, you may want to think twice. RateCity looks at what you can do to avoid late mortgage repayment fees.

Home Loans

04 May, 2010

3 min read

Make late mortgage repayments a thing of the past

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product data updated on

Product data updated on 9 Jan 2025