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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.
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
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
Trending articles
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
Five ways to make money from property in 2025
Vidhu Bajaj
Personal Finance Writer
16 Jan, 2025
Applying for a mortgage with a new job
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