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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.

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

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

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

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

Peter Terlato

Personal Finance Editor

Five steps towards a financially secure future

There are simple steps you can take to start managing your money early and take control of your financial security.

Home Loans

28 Mar, 2023

7 min read

Five steps towards a financially secure future

Mark Bristow

Personal Finance Editor

Should you refinance your home loan?

There are many different reasons why people choose to refinance their home loans, with each person’s decision being based on their own unique circumstances. Here are a few popular reasons why some people choose to refinance, to help you work out if one or more may apply to you at this time:

Home Loans

28 Mar, 2023

8 min read