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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.
Mark Bristow
Personal Finance Editor
What's the minimum deposit for a home loan in Australia?
How much a bank may be willing to lend you to buy a property will depend on a range of factors, including your income, household expenses, savings, other debts, credit score, and the size of your deposit. In most cases, a lender will offer an 80 per cent LVR (Loan to Value Ratio) home loan, meaning they’ll lend 80 per cent of your home’s value, and you need to pay the remaining deposit of 20 per cent.
Home Loans
16 Feb, 2023
5 min read
Alex Ritchie
Personal Finance Editor
Asking for a rate cut: how to negotiate a better home loan rate
If you don't ask you don't get. If you are unhappy with your current home loan it's perfectly acceptable to approach your lender and ask for a better rate.
Home Loans
16 Feb, 2023
7 min read
Jodie Humphries
Personal Finance Editor
What is a honeymoon rate and honeymoon period?
Confused by the term ‘honeymoon rate’ when searching around for a home loan? Let’s break down what a honeymoon rate is and what you can expect if you get one.
Home Loans
15 Feb, 2023
3 min read
Peter Terlato
Personal Finance Editor
Can I take a second mortgage for home improvements?
A second mortgage may be handy if you’re looking for extra cash to start renovating. However, there are a raft of pros and cons to consider and a number of alternative financing options may also be available.
Home Loans
15 Feb, 2023
5 min read
Jodie Humphries
Personal Finance Editor
Three mistakes that home buyers make
Buying a home is arguably the biggest purchase you’ll ever make. It pays to do your research beforehand so you can make well-informed choices you’re confident in, and don’t find yourself regretting any decisions down the track.
Home Loans
14 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
How often should you review your home loan?
Got a home loan that you haven’t looked at since you took it out? This is your friendly reminder that it might be time to dust off the paperwork and dig into the details to make sure it’s still serving you as it should.
Home Loans
14 Feb, 2023
5 min read
Jodie Humphries
Personal Finance Editor
How to find a home loan that suits you
Finding the right home loan is just as important as finding the right home, and a crucial element in securing it. It needs to meet your budget, needs and preferences.
Home Loans
14 Feb, 2023
8 min read
Jodie Humphries
Personal Finance Editor
Are home loan packages a good deal?
Similar to bundling your home telephone, mobile, and pay TV with one company, bundling your financial products with your home loan could save you money off your mortgage.
Home Loans
13 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
How do home loan repayment calculators work?
Before you take out a home loan, you’re going to want to have a really good handle on how much it’s going to cost you.
Home Loans
13 Feb, 2023
4 min read
Alex Ritchie
Personal Finance Editor
How to get a home loan while self-employed
Getting a home loan while self-employed isn’t usually difficult, but you’ll need to make sure you have the right documents to prove that you can repay the loan.
Home Loans
10 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
How to build wealth through home equity loans
Building wealth and property portfolios is becoming more common practice in Australia. Home equity is one such way that home owners can build on their current wealth and add to their property portfolio.
Home Loans
10 Feb, 2023
6 min read
Mark Bristow
Personal Finance Editor
Kitchen renovation checklist: how to plan your project
Whether you want to make your home more liveable or your investment property more appealing to tenants and future buyers, a kitchen renovation could make a big difference. It’s important to plan ahead and keep your kitchen reno organised and on-track if you want to reap the rewards while minimising the risk of overcapitalising.
Home Loans
10 Feb, 2023
6 min read
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Alex Ritchie
Personal Finance Editor
18 Sep, 2024
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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
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