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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.
Alex Ritchie
Personal Finance Editor
How to transfer a home loan to another person
If you have an outstanding home loan, it is possible to transfer this to another person. There are multiple options both parties can consider, but the process is not without some risk.
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
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
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
Jodie Humphries
Personal Finance Editor
Buying a home jointly with a partner, friend or family member
Property co-ownership can reduce your costs to allow you to buy a home faster. However, that doesn’t mean it’s without its challenges.
Home Loans
17 Nov, 2022
4 min read
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
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Personal Finance Editor
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Personal Finance Writer
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28 Oct, 2024
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