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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.

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What is a honeymoon period?

Home loans and mortgages can offer you a honeymoon period, which are suppose to help alleviate the burden of a loan for a short initial period of time, often with a low introductory interest rate.

Home Loans

15 Dec, 2009

2 min read

What is a honeymoon period?
RateCity

Top home loans

If you are looking to compare the top home loans, then you've come to the right place. At RateCity, you are able to compare and apply for the top home loans on offer by hundreds of lenders and search through thousands of products.

Home Loans

15 Dec, 2009

1 min read

Top home loans
RateCity

What is a global financial crisis?

We hear global financial crisis bantered around with a sense of imminent fear but what exactly does it mean and how does it affect us?

Home Loans

15 Dec, 2009

1 min read

What is a global financial crisis?
RateCity

What is a fixed mortgage?

In times when interest rates are set to rise more Australians turn to fixed rates for stability. A fixed rate mortgage sets your repayments for a period of time on a fixed rate often 1 to 5 years in length.

Home Loans

08 Dec, 2009

1 min read

What is a fixed mortgage?
RateCity

Government Boost

The Government boost, also known as the First Home Owners Boost was introduced by the Federal Government in 2008 to help stimulate Australia’s property market and encourage people who have never purchased a home buy their first property

Home Loans

02 Dec, 2009

1 min read

Government Boost
Laine Gordon

Money Editor

New homes become the first buys for 2010

Experts believe that this is the perfect time for keen home buyers to snap up bargains in the housing market, which puts home loans at the top of many shopping lists. Is it a good time to buy a home with interest rates on the rise?

Home Loans

01 Dec, 2009

3 min read

New homes become the first buys for 2010
Laine Gordon

Money Editor

2010 Hotspots: Biggest property bargains revealed

A report of Australia’s cheapest property areas reveal ’hotspots’ for price growth that are almost $400,000 less than median house prices across the country. These bargain properties are fodder for investors, and home buyers wishing to own a property outright as soon as possible.

Home Loans

01 Dec, 2009

3 min read

2010 Hotspots Biggest property bargains revealed
Laine Gordon

Money Editor

Rudd tells home buyers to stand on their own feet

When it comes to home loans, the Australian government isn’t prepared to hold consumers’ hands anymore, and home buyers are expected to rely on their own decisions, according to Prime Minister Kevin Rudd.

Home Loans

01 Dec, 2009

3 min read

Rudd tells home buyers to stand on their own feet
Laine Gordon

Money Editor

Mortgage trends: Basic is in, fixed is out, and capped is hot

Despite a recent string of rate hikes, borrowers are shunning fixed rate home loans. The latest ABS figures on housing finance show that demand for fixed loans fell by more than 10 percent, with fewer than 6 percent of homebuyers locking into a fixed rate.

Home Loans

01 Dec, 2009

3 min read

Mortgage trends Basic is in, fixed is out, and capped is hot
Laine Gordon

Money Editor

Bricks and boards, Construction loans solve housing shortage

Many home loan borrowers are now considering taking up construction loans to save on costs and help with building more homes for future generations. The housing shortage is crippling Australia, according to experts who believe that the undersupply of properties will cause future suffering for home buyers.

Home Loans

01 Dec, 2009

3 min read

Bricks and boards - Construction loans solve housing shortage
Laine Gordon

Money Editor

Interest rates to hit 5 percent in 2010

The recent interest rate rises may be just the beginning of a long climb for home loan rates, with economists predicting that the Reserve Bank cash rate will rise to 5 percent by Christmas 2010.

Home Loans

30 Nov, 2009

3 min read

Interest rates to hit 5 percent in 2010
Laine Gordon

Money Editor

Summer buying: Now is the time to find a home and borrow

Summer is a season for family gatherings, beach holidays and long, lazy afternoons. For savvy home buyers, it may also be a good time to snap up your dream home and score the best home loan deals on the market.

Home Loans

30 Nov, 2009

3 min read

Summer buying Now is the time to find a home and borrow