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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.
Georgia Brown
Personal Finance Editor
What are the types of property valuation reports?
If you’re in the process of buying a new home, you might be interested to learn that there are a number of different types of property valuations that can be used in different circumstances.
Home Loans
16 Nov, 2022
4 min read
Mark Bristow
Personal Finance Editor
Investing in serviced apartments
Buying an investment property can let you benefit from both rental yields and capital growth, though there’s always a risk that there could be periods where your property fails to attract tenants. Investing in serviced apartments could potentially help to offset this risk, as someone else will be managing the tenants for you, though there are other complications to consider.
Home Loans
10 Nov, 2022
4 min read
Vidhu Bajaj
Personal Finance Writer
Applying for a mortgage with a new job
Are you considering applying for a mortgage with a new job? It’s helpful to understand how a new job affects your application for a mortgage.
Home Loans
09 Nov, 2022
5 min read
Alex Ritchie
Personal Finance Editor
What is appreciation or depreciation of property?
Whether you’re an investor or first home buyer, the value of your property is a fundamental component of home ownership. The fluctuation of the value of your property is typically described as appreciation or depreciation.
Home Loans
03 Nov, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Will I have to pay Lenders' Mortgage Insurance twice if I refinance?
If you’re considering refinancing, chances are you’re crunching the numbers on the cost of switching. When it comes to LMI, if your LVR is above 80%, you will need to pay it again.
Home Loans
28 Oct, 2022
4 min read
Vidhu Bajaj
Personal Finance Writer
How to reduce your mortgage repayments
There are multiple reasons you may need or want to reduce your mortgage repayments. Here are some ways you can do it.
Home Loans
27 Oct, 2022
1 min read
Alex Ritchie
Personal Finance Editor
If I don't like my new lender after I refinance, can I go back to my previous lender?
Struggling with refinancers' remorse? Discover your options if you've switched lenders but realised you want to go back to your old lender.
Home Loans
25 Oct, 2022
4 min read
Mark Bristow
Personal Finance Editor
What is a specialist lender?
Specialist lenders, also known as non-conforming lenders, are lenders that offer mortgages to ‘non-vanilla’ borrowers who struggle to get finance at mainstream banks. This may include borrowers who are self-employed, in casual employment or new to Australia, as well as borrowers with bad credit.
Home Loans
20 Oct, 2022
2 min read
Vidhu Bajaj
Personal Finance Writer
Can workers' compensation be used to qualify for a mortgage?
Explore how worker's compensation can help you qualify for a mortgage.
Home Loans
19 Oct, 2022
3 min read
Vidhu Bajaj
Personal Finance Writer
What are genuine savings?
Learn about Genuine Savings, its constitutes and why is it important to qualify for a home loan
Home Loans
19 Oct, 2022
4 min read
Jodie Humphries
Personal Finance Editor
Everything you need to know about a Lenders Mortgage Insurance refund
You may get an LMI refund if you repay your home loan within 12 to 24 months, provided you fulfil the other eligibility criteria. In some cases, you can get a refund of up to 50 per cent of your LMI fee.
Home Loans
18 Oct, 2022
3 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
18 Oct, 2022
3 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
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