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.

Laine Gordon

Money Editor

Discounted home loan rates: are you eligible?

There are several ways to save on your home loan when interest rates are on the rise. Economists are tipping a string of Reserve Bank rate rises in the next year and many lenders are already raising their fixed rates

Home Loans

23 Sep, 2009

4 min read

Discounted home loan rates are you eligible?

Laine Gordon

Money Editor

Interest rate wars: How fixing can save you thousands

With the Reserve Bank ready to raise official interest rates any tick of the clock, it’s still possible to find a good fixed rate home loan deal. Unless you have a crystal ball it is difficult to know for certain what will happen to interest rates in one, three or five year’s time.

Home Loans

23 Sep, 2009

4 min read

Interest rate wars How fixing can save you thousands

Laine Gordon

Money Editor

Out with the old, are new home loans ripping us off?

As competition heats up between the banks, new home loan features are sweeping the mortgage market in a bid to attract consumers to fresh, innovative products.

Home Loans

19 Sep, 2009

4 min read

Out with the old are new home loans ripping us off?

RateCity

Capped Home Loans

Capped home loans have a security feature similar to fixed rate home loans. Capped mortgages however are not fixed at the one interest rate for a period of time, they are variable and can reduce and will only increase up to a specified rate.

Home Loans

18 Sep, 2009

1 min read

RateCity

Individual capped rate home loans

When interest rates are on the rise, capped home loans are an option to consider when searching and comparing for the best loans on offer for your individual circumstances.

Home Loans

18 Sep, 2009

1 min read

RateCity

Bankwest Capped Rate Variable Home Loan

The Bankwest Capped Rate variable home loan was launched in the first week of September 2009 with an advertised variable interest rate of 5.4 percent p.a.

Home Loans

18 Sep, 2009

1 min read

Laine Gordon

Money Editor

Jumping the home loan hurdles

What are the smartest strategies for securing a home loan? It can be tough to qualify for a home loan but by having a strategy you can increase your chances, not only of getting the loan you want, but of meeting your payments if interest rates go up.

Home Loans

14 Sep, 2009

5 min read

Laine Gordon

Money Editor

The Investor Returns

If you’ve decided it’s a good time to buy your first investment property there are plenty of competitive home loans around to help you finance the deal. Investors are returning to the residential property market

Home Loans

09 Sep, 2009

4 min read

Laine Gordon

Money Editor

Hot auction and home loan tips

If you are considering buying a property at auction, there are a few important facts you need to know about home loans. The first step before you start bidding is to shop around for the best deals to secure a loan as this can save you thousands of dollars

Home Loans

08 Sep, 2009

4 min read

Laine Gordon

Money Editor

How to beat mortgage stress

As housing prices have increased in recent months and media speculation grows of imminent interest rate rises, mortgage stress may soon be rising however there are simple steps to take now to keep you out of the red.

Home Loans

01 Sep, 2009

3 min read

Laine Gordon

Money Editor

FHOB rush: Guide to finding the best home loan

Don’t lose your head in the rush to find the right house and the best mortgage before the government’s Boost payments are reduced after September 30. Jackie Pearson investigates tips to finding your first home loan

Home Loans

26 Aug, 2009

5 min read

FHOB rush Guide to finding the best home loan

Laine Gordon

Money Editor

Spring break, Mortgage borrowers go wild!

Spring is the time of the year when both the residential property and mortgage markets thrive - just be careful you end up with the right house and the right mortgage. Real estate agents call it the Spring Harvest. Across Australia, September and October are traditionally the busiest months of the year for buying and selling real estate and, as a consequence, the mortgage market booms

Home Loans

26 Aug, 2009

3 min read