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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 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
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
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Mark Bristow
Personal Finance Editor
17 Jan, 2025
What happens to a home loan when someone dies?
Mark Bristow
Personal Finance Editor
17 Jan, 2025
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Vidhu Bajaj
Personal Finance Writer
16 Jan, 2025
Applying for a mortgage with a new job
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