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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

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

What is debt consolidation, and how does it affect mortgage?

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

Can I get a loan to buy land in Australia?

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

What should you know about vacant land loans in Australia?

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

What is a home equity conversion mortgage?

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

Why consider a bridging loan when buying and selling a house

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

Can I qualify for a joint home loan if my partner has bad credit?

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

Do first-time home loan applicants qualify for tax benefits?

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

The top questions refinancers should ask a mortgage broker

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

Trying to crack the housing market? Here are six factors you must consider

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