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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.
Peter Terlato
Personal Finance Editor
Why should I choose a joint mortgage?
A joint mortgage may enable you to borrow more and reduce your risk, but it's important to have a clear arrangement with the person/s taking on the loan with you.
Home Loans
28 Mar, 2023
6 min read
Alex Ritchie
Personal Finance Editor
Which bank should you choose for a home loan
While this does mean there is no one best bank for all home loans, you can still research and compare your options carefully to find the best home loan for you.
Home Loans
27 Mar, 2023
5 min read
Peter Terlato
Personal Finance Editor
What is the mortgage loyalty tax?
The term “mortgage loyalty tax” refers to the difference in interest rate costs that existing borrowers pay as a result of lenders offering new customers lower rates on home loans. Here's how to avoid it.
Home Loans
27 Mar, 2023
5 min read
Mark Bristow
Personal Finance Editor
How long does it take to refinance?
Refinancing your home loan can help you enjoy a range of benefits, from lower interest rates to flexible features and benefits. However, the process of refinancing will require some time and effort. Depending on the lender and your financial situation, the refinancing process could take anywhere from a few weeks to just three days.
Home Loans
27 Mar, 2023
7 min read
Peter Terlato
Personal Finance Editor
How long can I lock in Australia's lowest rates for?
The ability to lock in low fixed interest rates may offer borrowers protection against rate rises and provide more time to compare the market and secure the most favourable home loan.
Home Loans
27 Mar, 2023
4 min read
Alex Ritchie
Personal Finance Editor
Which banks are good for refinancing?
Whether you’re struggling to repay your mortgage and want a lower rate, or you’re hoping to ditch your basic mortgage for some competitive features, refinancing can be a competitive financial decision. So, which lender should you choose for your refinance?
Home Loans
24 Mar, 2023
6 min read
Peter Terlato
Personal Finance Editor
Home loan benefits for medical professionals
Medical professionals are often eligible for special benefits while applying for a home loan. If you’re a doctor or another type of medical professional, your hard work and dedication towards the welfare of others may be rewarded through specialist home loans that make it easier to become a property owner.
Home Loans
24 Mar, 2023
6 min read
Peter Terlato
Personal Finance Editor
Can a temporary resident get a home loan?
A temporary resident home loan may allow you to buy a property in Australia, though you will need to meet specific eligibility and financial requirements and conditions.
Home Loans
23 Mar, 2023
5 min read
Peter Terlato
Personal Finance Editor
What is the loan-to-value ratio on a reverse mortgage?
Before applying for a reverse mortgage, you may wonder how much you can borrow? How is the amount calculated? What is the maximum LVR threshold for a reverse mortgage? How much do I need to repay?
Home Loans
22 Mar, 2023
4 min read
Alex Ritchie
Personal Finance Editor
What is lending criteria? The factors that may impact eligibility criteria
By understanding the eligibility criteria for mortgage approval before applying for a home loan, you can increase the chances of your application getting over the line.
Home Loans
21 Mar, 2023
7 min read
Peter Terlato
Personal Finance Editor
Can I take out a loan against my home’s equity?
You can use the equity you've built up over time to secure a loan. But before you can take out any loans against home equity you’ll need to work out exactly how much equity you have available.
Home Loans
21 Mar, 2023
5 min read
Alex Ritchie
Personal Finance Editor
What can you do if your co-owner is not paying the mortgage?
Co-owning property with someone has many benefits but also comes with risks. Find out how you can deal with the situation when your co-owner is not paying the mortgage.
Home Loans
21 Mar, 2023
5 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
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