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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
Paying off your mortgage vs investing
Should you pay off your mortgage or put more money into other investments? Explore the options before making your decision.
Home Loans
02 Feb, 2023
4 min read
Jodie Humphries
Personal Finance Editor
What should be on your home loan checklist?
Do you know your offset option from your redraw facility? Home loans come with so many features that it can be confusing to get your head around what you will need and what you can live without, particularly if you are a first home buyer.
Home Loans
02 Feb, 2023
5 min read
Mark Bristow
Personal Finance Editor
Can you get a home loan on a visa?
It is possible to get a home loan in Australia if you’re on a visa, though the process could be more complex than for Australian citizens and permanent residents. Understanding some of the requirements for a mortgage with a visa could help you to compare your options and make a decision that suits your needs.
Home Loans
31 Jan, 2023
4 min read
Mark Bristow
Personal Finance Editor
Should you buy or rent your home?
Ask a group of Australians whether it’s better to rent or buy a home and you will get a different opinion from each one of them. Phrases like “safe as houses” and “rent money is dead money” may be thrown around, while others balk at the prospect of decades of housing debt.
Home Loans
31 Jan, 2023
9 min read
Peter Terlato
Personal Finance Editor
Can you get a home equity loan with low income?
A home equity loan allows you to borrow against the equity in your home. But you need to be earning enough to qualify for one, as lenders want to ensure you can comfortably repay the additional amount you borrow on top of your original mortgage.
Home Loans
31 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
What are capped rate home loans?
Capped rate home loans provide extra security of a variable interest rate without locking in a fixed rate. You can be rewarded by capped rate home loans if the variable rate is reduced so your repayments will be less money.
Home Loans
27 Jan, 2023
3 min read
Jodie Humphries
Personal Finance Editor
Guide to buying a rental property with a home equity loan
If you’re considering buying a rental property, you could use the equity in your own home to secure a loan. Learn more about how to plan before you do this.
Home Loans
27 Jan, 2023
3 min read
Vidhu Bajaj
Personal Finance Writer
Can you refinance a reverse mortgage to a conventional loan?
You likely can’t refinance a reverse mortgage to a conventional loan, but you could refinance your reverse mortgage to get more cash or save on interest.
Home Loans
24 Jan, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
Home Equity Loan: Advantages and Disadvantages
A home equity loan has its disadvantages and advantages. If you’re looking to borrow against your house, check the pros and cons of taking on a home equity loan before you go ahead.
Home Loans
24 Jan, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
What is the First Home Owner Grant?
A state-wise guide to the First Home Owner Grant and stamp duty concessions available to first home buyers in Australia.
Home Loans
24 Jan, 2023
10 min read
Jodie Humphries
Personal Finance Editor
Should I continue repaying a mortgage if I am not on the title?
If you are a named owner listed on a mortgage, you are responsible for repaying it whether or not your name is on the title. Find out your responsibilities.
Home Loans
23 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
How does a lump sum payment on a home loan help you?
You’re probably keen to repay your home loan as quickly as possible. Find out how making a lump sum payment on a home loan can help you achieve that goal.
Home Loans
23 Jan, 2023
3 min read
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Mark Bristow
Personal Finance Editor
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Vidhu Bajaj
Personal Finance Writer
29 Oct, 2024
Getting a home loan as a sole trader in Australia
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Personal Finance Writer
28 Oct, 2024
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