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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.

Jodie Humphries
Personal Finance Editor
What is the difference between a home equity loan and a personal loan?
Which is the better choice between a home equity loan and a personal loan in the case of a financial emergency? Let us help you decide.
Home Loans
24 Mar, 2022
4 min read


Mark Bristow
Personal Finance Editor
Does paying extra on a mortgage reduce your interest?
By making extra home loan repayments and shrinking your home loan principal, you can reduce the interest you are charged on your mortgage. This could give you the choice between taking steps to pay off your property sooner, or adding some breathing room to your household budget.
Home Loans
22 Mar, 2022
3 min read


Jodie Humphries
Personal Finance Editor
Which credit report is used for home loans?
When reviewing your home loan application, lenders may request your credit report from one of three credit reporting bureaus, but only with your permission.
Home Loans
22 Mar, 2022
4 min read


Jodie Humphries
Personal Finance Editor
What are the total bank charges for a home loan?
When you are planning on buying a home, understanding the different types of costs involved can help avoid any unpleasant surprises later.
Home Loans
21 Mar, 2022
4 min read


Jodie Humphries
Personal Finance Editor
What is the Shared Ownership Home Loan scheme in Western Australia?
The Shared Ownership Home Loan scheme in WA may help home buyers tp get into their own home faster with only a 2% deposit, and without having to pay costly Lender's Mortgage Insurance.
Home Loans
21 Mar, 2022
4 min read


Mark Bristow
Personal Finance Editor
What does it cost to hire an architect for a renovation?
Renovating your house can be a small or a large project. Smaller jobs, like painting walls, updating fixtures, or replacing floors, you may be able to do yourself or with the help of a qualified tradie. But bigger jobs, like adding an extension or an extra floor onto your house, may require additional expertise, such as that offered by an architect.
Home Loans
11 Mar, 2022
5 min read


Jodie Humphries
Personal Finance Editor
Who can be a guarantor for a home loan?
If you are considering having a guarantor for your mortgage, you will want to know who can guarantee a home loan? Or if you’re planning to guarantee a loan, you should know how to protect your interests.
Home Loans
11 Mar, 2022
3 min read


Jodie Humphries
Personal Finance Editor
Discharge of mortgage: When and how to go about it?
There are certain situations when you may have to discharge your mortgage during the loan term, such as when you are selling your house or refinancing your mortgage. Learn how mortgage discharge works and what it will cost you.
Home Loans
04 Mar, 2022
5 min read


Jodie Humphries
Personal Finance Editor
Is additional borrowing on a mortgage possible?
If you need to pay for a large expense, one of your options is to top up your mortgage. Find out how much you can borrow and how you can use the extra funds.
Home Loans
01 Mar, 2022
4 min read


Alex Ritchie
Personal Finance Editor
How much does a laundry renovation cost?
A laundry renovation may cost you anywhere from $5,000 to $25,000 and beyond. Let's explore the biggest factors impacting cost and how you can finance your dream laundry renovation.
Home Loans
22 Feb, 2022
6 min read


Jodie Humphries
Personal Finance Editor
Are home loans available to Aussie expats?
Australian expats can usually apply for the same home loans as Aussie residents, but consider checking lenders’ specific qualifying criteria and loan terms.
Home Loans
27 Jan, 2022
3 min read


Jodie Humphries
Personal Finance Editor
What happens to a mortgage in a divorce?
From coming to terms with the end of your relationship to dealing with parenting and living arrangements, divorce is difficult. And if you hold a joint mortgage with your spouse, it can further complicate matters. Here are the different options available after your divorce.
Home Loans
24 Jan, 2022
4 min read

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