Home
Home Loans
Articles

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.

RateCity

Home loan repayment calculators

Want to know how much you can afford to borrow? Need to work out how much your regular mortgage repayments will be? Want to know how much interest you will be paying on your home loan? Use a mortgage repayment calculator to work out the nitty gritty financial details before entering into a home loan.

Home Loans

12 Apr, 2010

2 min read

Laine Gordon

Head of Public Relations

Big four banks making $1.33B extra from your mortgage

Are you with one of the big four banks for your standard variable home loan? If you are, you could be paying an extra $700 more in interest per year. RateCity investigates how the big four banks measure up when it comes to your home loan.

Home Loans

06 Apr, 2010

3 min read

Big four banks making $1.33B extra from your mortgage

Laine Gordon

Head of Public Relations

Save $64,000 on your home loan with ease

Having a mortgage is a massive long-term financial commitment. So if there was a way for you to pay it off sooner, wouldn’t you jump at the chance to find out how? Here are some tips to show you how easy it can be to own your home sooner and save potentially tens of thousands of dollars.

Home Loans

29 Mar, 2010

3 min read

Save $64,000 on your home loan with ease

Laine Gordon

Head of Public Relations

Home loan rates going up: What you can do to dodge the bullet

We all are aware of interest rates and the effect that their changes have on the economy and more importantly on our bank balances. But did you know that each month interest rates are constantly changing, and most of the time we are unaware of it even happening?

Home Loans

29 Mar, 2010

3 min read

Home loan rates going up What you can do to dodge the bullet

Laine Gordon

Head of Public Relations

Low doc, high cost: Be careful of low doc home loans

A growing number of Australians take up the option of self-employment each year, and for many, a ‘low doc’ loan offers the key to home ownership. Low doc home loans are pitched specifically at borrowers who can’t meet lenders’ traditional proof of income requirements.

Home Loans

22 Mar, 2010

3 min read

Low doc, high cost Be careful of low doc home loans

Laine Gordon

Head of Public Relations

No incentives, no worries, 2010 is ripe for home buyers

Find the upside to downward pressure on the home loan market. Despite rising interest rates and the drawback of government incentives, 2010 may be the perfect time to buy a home, according to some mortgage experts.

Home Loans

22 Mar, 2010

3 min read

No incentives, no worries - 2010 is ripe for home buyers

Laine Gordon

Head of Public Relations

How much will you pay for home loan satisfaction?

In the wake of Australia’s economic recovery, major banks have reported record profits and market share growth. This has raised concerns about the direction of banking competition in the country

Home Loans

15 Mar, 2010

3 min read

How much will you pay for home loan satisfaction?

Laine Gordon

Head of Public Relations

Need some money? Unlock the equity in your home

A line of credit or equity home loan is a short-term solution available to take help take the pressure off. It allows you to access funds as you need them, giving you the flexibility to pay for that new kitchen or bathroom

Home Loans

15 Mar, 2010

3 min read

Need some money? Unlock the equity in your home

RateCity

Home loans for Gen Y

The property market can be a hard nut to crack, especially for the next generation of young home buyers. For the sensible Gen Y that are looking to buy their first home, with a little help from their parents, they can.

Home Loans

14 Mar, 2010

3 min read

RateCity

What is a government deposit guarantee?

The Australian government guarantee scheme was implemented during the global financial crisis, designed to promote financial stability in Australia.

Home Loans

14 Mar, 2010

1 min read

Laine Gordon

Head of Public Relations

What options do first home buyers have?

Australians hoping to snap up their first home this year will have to tackle growing property prices, rising interest rates and the continuation of tight lending conditions, all without the help of the First Home Owners Boost.

Home Loans

08 Mar, 2010

3 min read

Laine Gordon

Head of Public Relations

Rising rates will cost households $3.34 billion in 2010

Like both sides of a coin, low unemployment levels and rising home prices are indicative of an economy making a comeback from the GFC but on the flip side Australian households are being hit hard with constant interest rates hikes.

Home Loans

08 Mar, 2010

3 min read