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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.
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
Jodie Humphries
Personal Finance Editor
Moving in with a partner who has a mortgage
Moving in with your partner is a big decision. You’re both excited about the new experiences, but what should you know if you’re moving in with a partner who has a mortgage?
Home Loans
23 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Can you use shares as equity for a home loan?
Your equity investments cannot be treated as security but could strengthen your case when applying for a home loan.
Home Loans
23 Jan, 2023
3 min read
Jodie Humphries
Personal Finance Editor
Understanding shared equity schemes
If you want to buy a house but are worried whether your savings and income will be sufficient, then a shared equity arrangement (SEA) could be helpful. Learn about the various SEA models and how they work.
Home Loans
23 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Can you get a home loan with foreign income?
If the bulk of your income is in a foreign currency, whether you’re living in Australia or overseas, you may wonder how or if you can get a mortgage. Understand your options.
Home Loans
23 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Understanding home equity loans
Home equity loans allow you to access the money you’ve paid into your home loan without selling your home.
Home Loans
23 Jan, 2023
6 min read
Vidhu Bajaj
Personal Finance Writer
Buy your first home with a low deposit and no LMI with these government-backed schemes
The Home Guarantee Scheme (HGS) is an initiative by the Australian government to help eligible first home buyers purchase a home sooner
Home Loans
23 Jan, 2023
8 min read
Mark Bristow
Personal Finance Editor
Causes of inflation
One of the main reasons the Reserve Bank of Australia (RBA) raises interest rates is to bring down high inflation. But what exactly is inflation, what factors push it upwards, and how does raising interest rates push it back down?
Home Loans
23 Jan, 2023
5 min read
Mark Bristow
Personal Finance Editor
What to expect on settlement day
A property sale is said to “settle” when the property changes hands from one owner to another. While the buyer and seller don’t usually need to do much on settlement day, it’s worth understanding the processes that the solicitors, conveyancers, real estate agents and mortgage lenders are taking care of behind the scenes.
Home Loans
19 Jan, 2023
3 min read
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Alex Ritchie
Personal Finance Editor
18 Sep, 2024
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Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
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