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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

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

Home loan benefits for medical professionals

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

Can a temporary resident get a home loan?

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

Can I take out a loan against my home’s equity?

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

What can you do if your co-owner is not paying the mortgage?

Peter Terlato

Personal Finance Editor

Do you need a home loan for a houseboat?

Despite being utilised as a home, a houseboat is unlikely to qualify for a mortgage in Australia. Home loans are generally reserved for fixed property. If you’re looking to borrow to buy a houseboat, you’ll more likely need to secure a personal loan.

Home Loans

21 Mar, 2023

3 min read

Do you need a home loan for a houseboat?

Mark Bristow

Personal Finance Editor

A guide to single-parent home loans

If you’re a single parent with a single income, getting a home loan approved may seem daunting. However, being prepared and not rushing into a decision may help you get through the process with minimal stress. Spending some time doing your research and preparing your finances early can help make the process as smooth as possible.

Home Loans

20 Mar, 2023

5 min read

Mark Bristow

Personal Finance Editor

How to find the right home loan when self-employed

While there may not be restrictions on the kinds of loan you can apply for as a self-employed borrower, you may have to work harder to prove to lenders that you can repay the home loan. It’s important to study all borrowing options available to you before choosing a mortgage, as the best home loan for a self-employed borrower may not be the best choice for another.

Home Loans

17 Mar, 2023

4 min read

How to find the right home loan when self-employed

Alex Ritchie

Personal Finance Editor

What is mortgage stress?

Mortgage stress is not the worried feeling you get when the news is constantly filled with speculation around housing affordability, property bubbles, or interest rate rises. Instead, mortgage stress can be broadly defined as when your household’s income doesn't adequately cover the cost of your mortgage and other expenses.

Home Loans

16 Mar, 2023

7 min read

Mark Bristow

Personal Finance Editor

What is a negative equity home loan?

When you buy a house or other property, you may expect its value to keep rising. However, there are certain conditions that could lead to the house and land value falling.

Home Loans

14 Mar, 2023

4 min read

Alex Ritchie

Personal Finance Editor

How to buy your first home

Ready to take the step from renter to home owner? It’s one of the biggest financial commitments you may ever make, so it’s important to get an understanding of the process involved before taking the plunge.

Home Loans

14 Mar, 2023

10 min read

Alex Ritchie

Personal Finance Editor

Parents paying your home loan deposit? This is the one risk you must know before applying

Is using a gift as a house deposit a feasible option to secure a mortgage? Find out whether your parents can help you with this.

Home Loans

10 Mar, 2023

5 min read

Parents paying your home loan deposit? This is the one risk you must know before applying

Mark Bristow

Personal Finance Editor

How to structure your mortgage to reduce interest

Minimising the interest charged on your home loan can not only save you money on your repayments, but potentially help you pay less interest on your property in total. You may need to think about how your mortgage is structured and set up, as different home loan options may affect how your interest is charged and paid.

Home Loans

10 Mar, 2023

6 min read