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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
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
Jodie Humphries
Personal Finance Editor
Should you make the switch to fixed rates?
With home loan interest rates at the lowest seen in years, homeowners are wondering if it is a good time to switch over to a fixed rate.
Home Loans
06 Feb, 2023
5 min read
Mark Bristow
Personal Finance Editor
Five ways to make money from property in 2023
Property investment is one of Australia’s favourite wealth-building strategies. Compared to some other investment types, real estate is relatively simple to understand and get into, and offers several avenues for aspiring investors to potentially enjoy healthy returns, in both the short and long term.
Home Loans
06 Feb, 2023
7 min read
Jodie Humphries
Personal Finance Editor
What is a shared equity mortgage?
A shared equity mortgage is a scheme where the individual shares the ownership of the home with the mortgage lender or a third party.
Home Loans
03 Feb, 2023
5 min read
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