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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
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
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
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
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
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Vidhu Bajaj
Personal Finance Writer
19 Nov, 2024
Should you refinance, take out a home equity loan, or a second mortgage?
Alex Ritchie
Personal Finance Editor
16 Nov, 2024
How to get a home loan while self-employed
Mark Bristow
Personal Finance Editor
15 Nov, 2024
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