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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
Why do lenders ask for payslips when you apply for a home loan?
Lenders use your payslips to verify your income to make sure you earn enough before approving you for a mortgage loan.
Home Loans
04 Jul, 2022
3 min read
Georgia Brown
Personal Finance Editor
Five important things to consider when buying a new home
Are you looking to build your dream home? If you are making the plunge into new home ownership it's important to track down the perfect home loan. Whether you’re looking for a new home to live in or invest in, you can find the lowest rates just by comparing online.
Home Loans
01 Jul, 2022
4 min read
Georgia Brown
Personal Finance Editor
Two great reasons to fix your investment loan
Investment home loans have just as many options these days as owner-occupied home loans. This is perhaps because of the increased commonality for investment home loans as more Australians opt for property investment as opposed to other vehicles such as stock and shares.
Home Loans
01 Jul, 2022
3 min read
Georgia Brown
Personal Finance Editor
Are you buying your first home?
Buying your first home can be one of life’s biggest and most exciting milestones. But it’s important to have an understanding of the basics of home loans before you decide on one that’s right for you.
Home Loans
01 Jul, 2022
4 min read
Alex Ritchie
Personal Finance Editor
When to consider a home equity loan instead of a mortgage
If you own a property and are considering purchasing a second, you may assume that you must save up a new deposit. However, you may want to consider how a home equity loan can help you achieve your goals.
Home Loans
30 Jun, 2022
4 min read
Georgia Brown
Personal Finance Editor
How to find the best mortgage offers in Australia
The size of Australia’s mortgage market can have you feeling spoilt for choice. But what are some ways to narrow down your search and find the best mortgage offers for you?
Home Loans
29 Jun, 2022
3 min read
Alex Ritchie
Personal Finance Editor
How big is the home loan market in Australia?
One problem Australian home buyers don't face is a lack of home loan choices, in fact there is an overwhelming amount of competitive home loans in the Australian market today.
Home Loans
29 Jun, 2022
5 min read
Georgia Brown
Personal Finance Editor
Five ways to pay off your home loan early
There’s a good chance your mortgage will be your biggest financial liability in life. So, it’s worth considering ways that could help you pay it off earlier to enjoy freedom from your mortgage sooner.
Home Loans
28 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Does Australia have capped rate mortgages?
Search, compare and apply for some of the best value home loans on the market including capped rate mortgages. Capped rate mortgages protect borrowers from rising interest rates for a period of time.
Home Loans
28 Jun, 2022
3 min read
Georgia Brown
Personal Finance Editor
How to beat debt by borrowing within your means
Like a rising current Aussie debt is skyrocketing with no relief in sight. Whether your credit weakness is owning a brand new home, having a wardrobe full of designer labels or a garage full of vintage cars, borrowing outside of your means is never advisable.
Home Loans
23 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
How Australia's mortgage market can benefit you
With a range of lenders offering hundreds of home loans in Australia, having a variety of options to compare greatly benefits home loan customers.
Home Loans
23 Jun, 2022
5 min read
Alex Ritchie
Personal Finance Editor
How long does a fixed home loan rate last?
Fixed loans are very popular items in the mortgage world, coming in and out of trend every year as interest rates change. But with future fluctuations being so unpredictable, how do we decide when to lock in a fixed loan for one or more years?
Home Loans
22 Jun, 2022
4 min read
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Alex Ritchie
Personal Finance Editor
18 Sep, 2024
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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
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