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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.
Vidhu Bajaj
Personal Finance Writer
Can you use the equity in your home to set up a business?
You can take out a home equity loan or refinance your mortgage to unlock the equity in your home to set up a home office or a small business.
Home Loans
18 Jan, 2023
5 min read
Vidhu Bajaj
Personal Finance Writer
What should you know about renting out a property with a mortgage?
You can rent out a newly purchased property, but consider applying for the mortgage as an investor so that you don’t lose out on tax benefits.
Home Loans
18 Jan, 2023
7 min read
Mark Bristow
Personal Finance Editor
Can you afford an investment property deposit?
Buying an investment property may require an upfront deposit of 20 per cent of the property’s value. If you haven’t saved up enough cash to afford a deposit, there may be other options available to help you invest in property.
Home Loans
18 Jan, 2023
5 min read
Vidhu Bajaj
Personal Finance Writer
Why is it essential to carry out a property title search before purchasing a property?
A property title is a legal document that contains important information about the property you are buying. By checking the property title records, you can find out who owns the property, whether there’s any mortgage secured by it, and more.
Home Loans
17 Jan, 2023
5 min read
Mark Bristow
Personal Finance Editor
Can you be your own mortgage broker?
Any Australian who thoroughly researches the home loan market and carefully compares mortgage offers could enjoy similar results to visiting a mortgage broker. While there may be some advantages to being your own broker, there are also potential benefits from having a broker in your corner.
Home Loans
17 Jan, 2023
5 min read
Vidhu Bajaj
Personal Finance Writer
Getting a home loan as a sole trader: Is it possible?
Many traditional lenders may not be willing to offer a home loan to sole traders. However, there are other lenders who can help borrowers with the right track record.
Home Loans
16 Jan, 2023
5 min read
Mark Bristow
Personal Finance Editor
Does home size matter for a mortgage?
Purchasing a smaller property can often be more affordable than buying a larger property, and may offer different lifestyle benefits to some owner occupiers or to tenants of an investment property. However, it may be harder to successfully apply for a mortgage on some smaller properties due to the potential financial risk involved.
Home Loans
13 Jan, 2023
4 min read
Mark Bristow
Personal Finance Editor
Can mortgage brokers get you a bigger mortgage?
Mortgage brokers can provide valuable support on your home loan journey. By looking closely at your financial situation, a broker may be able to recommend home loan offers that closely suit your needs and goals, which could help increase your borrowing capacity and buying power.
Home Loans
13 Jan, 2023
3 min read
Mark Bristow
Personal Finance Editor
What is build to rent?
Build to rent is a type of commercial property development that can add additional housing to an area. These projects involve building a housing complex - often an apartment tower - whose developer retains ownership, rather than selling off individual units to owner occupiers and investors. The developer then rents out the units to tenants.
Home Loans
11 Jan, 2023
3 min read
Jodie Humphries
Personal Finance Editor
What is debt consolidation, and how does it affect mortgage?
Repaying multiple loans and debts can be expensive and confusing. However, debt consolidation may help you better manage your finances. Find out how.
Home Loans
10 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Can I get a loan to buy land in Australia?
You can get a land loan in Australia, but lenders may prefer borrowers buying registered land and planning to build a house on it.
Home Loans
09 Jan, 2023
3 min read
Jodie Humphries
Personal Finance Editor
What should you know about vacant land loans in Australia?
If you’re looking at purchasing a block of land, a vacant land home loan can provide you with the money you need.
Home Loans
09 Jan, 2023
4 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
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