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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

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

What is a honeymoon rate and honeymoon period?

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

Can I take a second mortgage for home improvements?

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

How often should you review your home loan?

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

How do home loan repayment calculators work?

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

How to build wealth through home equity loans

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

Kitchen renovation checklist: how to plan your project

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

How to survive a mortgage if you're going through financial hardship

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