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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
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
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
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
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Mark Bristow
Personal Finance Editor
17 Jan, 2025
What happens to a home loan when someone dies?
Mark Bristow
Personal Finance Editor
17 Jan, 2025
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Vidhu Bajaj
Personal Finance Writer
16 Jan, 2025
Applying for a mortgage with a new job
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