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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.
Jodie Humphries
Personal Finance Editor
How to survive a mortgage if you're going through financial hardship
Every now and then, an unexpected event may occur in our lives that causes financial hardships where making repayments on a home loan is impossible. Make sure you know your rights and the cover available.
Home Loans
09 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Can you use your home equity loan to buy another house?
Whether you want to purchase a second property for holidaying, investment purposes, or as a place for you (or your family members) to live in the future, a home equity loan may be a way to secure those keys.
Home Loans
09 Feb, 2023
5 min read
Vidhu Bajaj
Personal Finance Writer
What are genuine savings, and how to use rent as genuine savings for a home loan?
id you know regularly setting aside some money as savings could make it easier to qualify for a home loan?
Home Loans
09 Feb, 2023
5 min read
Jodie Humphries
Personal Finance Editor
Can you extend an interest-only mortgage repayment period?
Even if your lender allows you to extend an interest-only repayment period, you should still prepare for the increased payments later.
Home Loans
09 Feb, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
Real Estate Investment Trusts (REITs): A jargon-free guide
Learn about REITs, equity and mortgage REITs in this jargon free guide made by RateCity
Home Loans
09 Feb, 2023
6 min read
Mark Bristow
Personal Finance Editor
Buying an apartment in Sydney vs other capital cities
Sydney is renowned for its landmarks, its beaches… and how expensive it can be. This is especially true when it comes to the property market, with Sydney often leading the country in dwelling prices. So, if you have the option, would you be better off buying a unit in Sydney, or a unit in one of Australia’s other capitals?
Home Loans
09 Feb, 2023
6 min read
Jodie Humphries
Personal Finance Editor
When building a house, when do you start paying the mortgage?
When you need to start repaying the mortgage on a new building really depends on your lender, so make sure you know before you start building to help minimise the financial burden.
Home Loans
07 Feb, 2023
5 min read
Jodie Humphries
Personal Finance Editor
What's the real cost of buying your first home?
Deciding when you are ready to buy your first home plagues a lot of people. It's a big financial commitment and as most of us know, life doesn't always go according to plan. The biggest factor for most is the monthly repayments but often we overlook the other home loan costs that come with purchasing our first home.
Home Loans
07 Feb, 2023
6 min read
Jodie Humphries
Personal Finance Editor
What does the government offer for first home buyers?
Purchasing your first home is generally the largest purchase most Australians will have made. Buying your fist home is both an exciting and worrying time for most Australians. With low interest rates in Australia it is a great time for new buyers to enter the market.
Home Loans
06 Feb, 2023
8 min read
Jodie Humphries
Personal Finance Editor
Are honeymoon rates a good way to find the best mortgages?
Honeymoon rate mortgages are also known as introductory mortgages because banks often tempt you with a low rate for the first few years of your home loan. RateCity has found some of the lowest rates on introductory mortgage rates to bring you one step closer to your new home.
Home Loans
06 Feb, 2023
3 min read
Jodie Humphries
Personal Finance Editor
Are bigger mortgage lenders better?
Bigger doesn't always mean better. When it comes to shopping around for a competitive home loan don't restrict yourself to big banks or well-known brands, as smaller lenders could save you more money.
Home Loans
06 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
How to pick the right home loan for you
Choosing the right home loan can feel like drawing straws. There as so many Australian lenders and once you choose one, you then have to decide on the different home loan types they are offering. That is why it's essential that you carry out your own home loan comparisons so that you know what's going to work best for you.
Home Loans
06 Feb, 2023
9 min read
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