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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
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
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
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 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
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
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
Trending articles
Mark Bristow
Personal Finance Editor
14 Mar, 2025
Fixed vs variable rates: which is better, and can you have both?
Mark Bristow
Personal Finance Editor
13 Mar, 2025
How to lower your mortgage repayments
Vidhu Bajaj
Personal Finance Writer
28 Feb, 2025
What is a non-conforming home loan?
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