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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
What is Lender's Mortgage Insurance?
Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.
Home Loans
05 Nov, 2024
6 min read
Vidhu Bajaj
Personal Finance Writer
Getting a home loan as a sole trader in Australia
Many traditional lenders may not be willing to offer a home loan to sole traders. However, there are other lenders who can help borrowers with the right track record.
Home Loans
29 Oct, 2024
6 min read
Vidhu Bajaj
Personal Finance Writer
What is a loan to value ratio on a reverse mortgage
Find out how much you can borrow with a reverse mortgage in Australia, including LVR limits, age requirements, and tips for seniors accessing home equity.
Home Loans
28 Oct, 2024
6 min read
Mark Bristow
Personal Finance Editor
Understanding body corporate fees
Body corporate fees or strata fees are paid by owners of strata-title properties to help cover the costs of maintaining common areas.
Home Loans
23 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
What is a buyer's agent?
A buyer’s agent can be your eyes and ears on the ground when comparing properties, and your representative when making a purchase via auction or private treaty.
Home Loans
22 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
Can a bank revoke a mortgage?
While it’s uncommon, it is possible for banks and mortgage lenders to revoke your home loan before you settle on a new property purchase.
Home Loans
16 Oct, 2024
4 min read
Mark Bristow
Personal Finance Editor
Can you be your own mortgage broker?
Any Australian who thoroughly researches the home loan market and carefully compares mortgage offers could effectively serve as their own mortgage broker.
Home Loans
15 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
Can you use shares as equity for a home loan?
Your equity investments cannot be treated as security but could strengthen your case when applying for a home loan.
Home Loans
14 Oct, 2024
3 min read
Mark Bristow
Personal Finance Editor
When do you start paying off your mortgage?
Once your mortgage is in place, you need to make repayments every month. When should you start repaying your mortgage?
Home Loans
14 Oct, 2024
3 min read
Alex Ritchie
Personal Finance Editor
Asking for a rate cut: how to negotiate a better home loan rate
If you don't ask you don't get. If you are unhappy with your current home loan it's perfectly acceptable to approach your lender and ask for a better rate.
Home Loans
03 Oct, 2024
8 min read
Vidhu Bajaj
Personal Finance Writer
How long does a guarantor stay on a mortgage?
Have you bought your first home by keeping your parents as guarantors on the mortgage? Work out when it is the right time to release them as guarantors.
Home Loans
30 Sep, 2024
5 min read
Alex Ritchie
Personal Finance Editor
What is lending criteria? The factors that may impact eligibility criteria
By understanding the eligibility criteria for mortgage approval before applying for a home loan, you can increase the chances of your application getting over the line.
Home Loans
18 Sep, 2024
7 min read
Trending articles
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Getting a mortgage for an international property
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Can you have two home loans on one property?
Mark Bristow
Personal Finance Editor
08 Jan, 2025
What do mortgage lenders look for in bank statements?
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