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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.
Peter Terlato
Personal Finance Editor
Do mortgage brokers need a consumer credit license?
Anyone who engages in credit activities will generally need an Australian credit licence or authorisation from a credit licensee before starting business, including mortgage brokers.
Home Loans
12 Dec, 2022
3 min read
Jodie Humphries
Personal Finance Editor
Can mortgage arrears affect my credit rating?
Mortgage arrears could impact your credit rating and appear on your credit file even without a full default. Discuss your financial situation with your lender before defaulting.
Home Loans
05 Dec, 2022
4 min read
Jodie Humphries
Personal Finance Editor
Can you stop paying the mortgage after a divorce?
If you’re going through a divorce, or have just finalised your separation, you and your former spouse may still be liable to pay your mortgage, so it’s best to discuss this before separating.
Home Loans
05 Dec, 2022
4 min read
Jodie Humphries
Personal Finance Editor
Can you transfer a property to a family member for free?
If you’re looking to transfer property ownership between family members, you may wonder if it’s something you can do for free. Certain fees and charges may apply even if you gift the property.
Home Loans
05 Dec, 2022
4 min read
Vidhu Bajaj
Personal Finance Writer
Is it possible to get a personal loan using your home equity?
The equity you build in your house can be used as collateral to borrow money from a home loan lender at a potentially lower rate than a personal loan
Home Loans
30 Nov, 2022
5 min read
Vidhu Bajaj
Personal Finance Writer
How do banks fund mortgages?
Curious as to how banks can afford to fund mortgages? The answer lies with the funds in your humble bank and savings accounts.
Home Loans
30 Nov, 2022
3 min read
Alex Ritchie
Personal Finance Editor
How to transfer a home loan to another person
If you have an outstanding home loan, it is possible to transfer this to another person. There are multiple options both parties can consider, but the process is not without some risk.
Home Loans
30 Nov, 2022
5 min read
Alex Ritchie
Personal Finance Editor
How to buy an investment property interstate
Most property investors usually start with a property in an area they know well, or at least in the city in which they live. But buying a property investment in another state is also a potential strategic move.
Home Loans
30 Nov, 2022
3 min read
Mark Bristow
Personal Finance Editor
How to budget for a home loan with a repayment calculator
Most Australians dream of owning a home. Even if this dream may seem out of reach, that doesn’t mean you shouldn’t start saving and researching how to reach your homeowner goal.
Home Loans
18 Nov, 2022
3 min read
Peter Terlato
Personal Finance Editor
Does the Family Tax Benefit count as income?
The Family Tax Benefit is a two-part government payment designed to assist Australian families with the cost of raising children. It’s important you do not miscalculate your gross family income when applying for, and while receiving, support - you may wind up with a debt to Centrelink.
Home Loans
18 Nov, 2022
3 min read
Vidhu Bajaj
Personal Finance Writer
How do mortgage deposits work
Understand what lenders expect when it comes to mortgage deposits, and how the deposit you pay will affect your loan.
Home Loans
17 Nov, 2022
3 min read
Jodie Humphries
Personal Finance Editor
Buying a home jointly with a partner, friend or family member
Property co-ownership can reduce your costs to allow you to buy a home faster. However, that doesn’t mean it’s without its challenges.
Home Loans
17 Nov, 2022
4 min read
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Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
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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