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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.

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

Can you get a home loan with foreign income?

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

Buy your first home with a low deposit and no LMI with these government-backed schemes

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

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

Can you use the equity in your home to set up a business?

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

What should you know about renting out a property with a mortgage?

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

Can you afford an investment property deposit?

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

Why is it essential to carry out a property title search before purchasing a property?

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