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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
What is a home loan top-up?
Topping up your home loan can be an efficient way to access additional funds. Based on your available home equity and financial situation, you may be able to borrow up to 80 per cent of your property’s value as a top-up loan.
Home Loans
09 Jan, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
What is a home equity conversion mortgage?
A home equity conversion mortgage is a way for homeowners above 60 to borrow money against the equity on their property - usually called reverse mortgages or home reversions.
Home Loans
09 Jan, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Why consider a bridging loan when buying and selling a house
A bridging loan could be helpful when you’re buying a new home and need to sell your current one.
Home Loans
09 Jan, 2023
4 min read
Peter Terlato
Personal Finance Editor
Can I qualify for a joint home loan if my partner has bad credit?
If you or your partner have bad credit, lenders could potentially reject your joint application on the basis that both applicants are equally liable for the debt, so the overall level of risk must be assessed.
Home Loans
22 Dec, 2022
3 min read
Peter Terlato
Personal Finance Editor
Do first-time home loan applicants qualify for tax benefits?
If you’re a first-time home buyer applying for a home loan, you could qualify for some tax deductions. For example, in some states and territories may be entitled to full exemptions or concessions on stamp duty. Read on to find out what else you might be eligible to receive.
Home Loans
21 Dec, 2022
7 min read
Alex Ritchie
Personal Finance Editor
The top questions refinancers should ask a mortgage broker
Before you pick up the phone and get in contact with your local mortgage broker, it’s worth understanding some of the key questions you should be asking them.
Home Loans
20 Dec, 2022
5 min read
Alex Ritchie
Personal Finance Editor
Trying to crack the housing market? Here are six factors you must consider
Many young Australians are still finding ways to crack the housing market – and secure a competitive mortgage as well. Let’s explore six key factors to consider before you try and nab a property that may help you get a competitive home loan in the process.
Home Loans
20 Dec, 2022
5 min read
Jodie Humphries
Personal Finance Editor
How does a house get valued?
A house valuation typically occurs when you apply to mortgage a property you already own or for a mortgage for a property you’re looking to purchase.
Home Loans
19 Dec, 2022
4 min read
Vidhu Bajaj
Personal Finance Writer
When should I get a survey done on my property?
While you don’t legally need to undertake a property survey, you can do so to learn about the home you are about to buy and prepare for any eventualities.
Home Loans
19 Dec, 2022
3 min read
Mark Bristow
Personal Finance Editor
What is the average length of a home loan?
Many Australians start out with a 30-year mortgage, though shorter and longer home loan terms are also available from some lenders. The length of your home loan can affect the cost of your repayments, as well as how much interest you’ll pay.
Home Loans
19 Dec, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Is a mortgage a secured or unsecured loan?
A mortgage typically uses the property you are purchasing as collateral against the loan. In the worst-case scenario where you default on your mortgage, the lender may seize the property and sell it to reclaim its lost funds.
Home Loans
19 Dec, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Can you afford home loan repayments?
Before you consider applying for your first or next home loan, it’s crucial that you crunch the numbers to discover if you can comfortably afford the repayments.
Home Loans
14 Dec, 2022
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
What do house valuers look for?
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