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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.
Jodie Humphries
Personal Finance Editor
Understanding mortgage borrowing limits
Mortgage borrowing limits are set by banks to reduce their risk exposure. Lenders calculate them based on your current financial situation and how much you can afford to repay.
Home Loans
19 Sep, 2022
5 min read
Vidhu Bajaj
Personal Finance Writer
What is a non-conforming home loan?
A non-conforming home loan is offered to borrowers who don’t meet the standard lending criteria set out by major lenders.
Home Loans
19 Sep, 2022
4 min read
Peter Terlato
Personal Finance Editor
What is positive gearing?
The proportion of positively geared properties in Australia is on the rise, but is it the right strategy for you? Understanding more about this niche investment approach may help you to make better decisions when it comes to acquiring a loan.
Home Loans
12 Sep, 2022
5 min read
Jodie Humphries
Personal Finance Editor
What banks look at for a home loan?
When you apply for a home loan, lenders will want to survey your financial track record and look at your spending habits. You should be prepared to supply everything banks require for a home loan.
Home Loans
09 Sep, 2022
3 min read
Alex Ritchie
Personal Finance Editor
Shares vs property: which investment option should you consider?
Two of the most recommended investment options in Australia are property and shares. Both investment options have their advantages and risks, so let's compare which option may be best for you.
Home Loans
30 Aug, 2022
7 min read
Mark Bristow
Personal Finance Editor
Getting a mortgage for an international property
There’s an old real estate saying that the three most important factors when buying a property are location, location, location. But what if that location is overseas? Can Australians still get home loans to buy international properties?
Home Loans
30 Aug, 2022
4 min read
Mark Bristow
Personal Finance Editor
How to buy a house in a de facto relationship
The process of buying a property is similar for both married couples and couples in de facto relationships. That said, some of the steps involved may require some extra consideration for de facto partners, as they could make a difference to future personal and financial goals.
Home Loans
29 Aug, 2022
5 min read
Mark Bristow
Personal Finance Editor
A guide to paying off your home equity loan
Accessing the equity in your home can provide extra financial flexibility, which can be useful for managing major purchases and household expenses. But how will you go paying down your loan until your debt is cleared?
Home Loans
25 Aug, 2022
3 min read
Mark Bristow
Personal Finance Editor
Do home equity loans require a credit check?
While different lenders may assess home equity loan applications differently, a credit check may be one of the steps involved. If you’re concerned about your credit score affecting your application, it may be worth learning more about exactly what’s required to help improve your application’s chance of approval.
Home Loans
24 Aug, 2022
3 min read
Vidhu Bajaj
Personal Finance Writer
What is the difference between a home equity loan and a reverse mortgage?
Accessing the equity in your home can be done via a home equity loan or reverse mortgage, but what are they? Understand what they are and how they work.
Home Loans
23 Aug, 2022
6 min read
Alex Ritchie
Personal Finance Editor
Applying for a mortgage on a bridging visa: what you need to know
Bridging visas may be granted for temporary residence depending on your specific circumstances. It can allow you to stay in Australia lawfully while an immigration status is finalised.
Home Loans
23 Aug, 2022
5 min read
Mark Bristow
Personal Finance Editor
Can you combine your home equity loan into your mortgage?
If you hold equity in a property, you may be able to use it to access a loan or a line of credit to help you cover the cost of major expenses or household projects. You may be able to choose between managing your home equity loan separately or combining it with your existing mortgage, though there are pros and cons to each approach.
Home Loans
22 Aug, 2022
3 min read
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Vidhu Bajaj
Personal Finance Writer
29 Oct, 2024
Getting a home loan as a sole trader in Australia
Vidhu Bajaj
Personal Finance Writer
28 Oct, 2024
What is a loan to value ratio on a reverse mortgage
Mark Bristow
Personal Finance Editor
23 Oct, 2024
Understanding body corporate fees
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