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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
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
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
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


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


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

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