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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.
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
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
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Mark Bristow
Personal Finance Editor
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