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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
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
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
Alex Ritchie
Personal Finance Editor
Can you afford home loan repayments?
Before you consider applying for your first or next home loan, it’s crucial that you crunch the numbers to discover if you can comfortably afford the repayments.
Home Loans
14 Dec, 2022
4 min read
Alex Ritchie
Personal Finance Editor
How to get a higher home loan?
You've found your dream property, but on checking your borrowing capacity, you come up short. There are some ways to strengthen your financial position and enhance your borrowing capacity to help you purchase your dream home.
Home Loans
13 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 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
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