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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 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

Can you get a home equity loan with low income?

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

Guide to buying a rental property with a home equity loan

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

Can you refinance a reverse mortgage to a conventional loan?

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

Home Equity Loan: Advantages and Disadvantages

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

First Home Owners Grant | First Home Buyers Grant

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

Should I continue repaying a mortgage if I am not on the title?

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

Moving in with a partner who has a mortgage

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