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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.
Mark Bristow
Personal Finance Editor
Should I pay off my mortgage early?
Paying off your mortgage early may not always be easy, but there may be benefits to consider, such as saving money on interest charges.
Home Loans
22 Jun, 2022
4 min read
Peter Terlato
Personal Finance Editor
How to choose your first home loan
Choosing your first home loan doesn’t have to be a difficult process. Discover how to be your own broker through the power of your phone. Here is how first home buyers can choose their ideal first home loan.
Home Loans
22 Jun, 2022
7 min read
Mark Bristow
Personal Finance Editor
Credit scores can affect your home loan application - what you need to know
It’s important to get your finances in order before applying for a home loan. As well as thinking about your income, expenses, assets and liabilities, you may want to also consider your credit score, as this could affect how quickly our application gets assessed, and even whether you’ll be eligible for a some home loan products.
Home Loans
22 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Will your bank lend you money for a mortgage? Home loan lending criteria explained
Home loan eligibility criteria differs from lender to lender and is used to help determine whether you are financially capable of servicing a home loan in Australia.
Home Loans
22 Jun, 2022
6 min read
Jodie Humphries
Personal Finance Editor
Can you finance two cars on one loan?
If you’re planning to buy two cars and need to finance your purchases, you may be wondering if you can buy two cars with one loan?
Home Loans
21 Jun, 2022
4 min read
Mark Bristow
Personal Finance Editor
Do you need good credit for a home equity loan?
A home equity loan could be a useful option for accessing money when you’ve previously paid extra onto your mortgage or the value of your home has grown. But could you run into trouble if your credit score isn’t the best?
Home Loans
21 Jun, 2022
4 min read
Georgia Brown
Personal Finance Editor
What’s the difference between interest only vs principal and interest on home loans?
If you’re in the market for a new home loan or refinancing an existing mortgage, it’s important to understand how you intend to manage your repayments.
Home Loans
21 Jun, 2022
3 min read
Alex Ritchie
Personal Finance Editor
Introductory rate home loans
When you're comparing home loans, the ones with the lowest rates always jump out first. This is because banks usually offer a discounted rate for an introductory period to lure in the new customers.
Home Loans
20 Jun, 2022
4 min read
Georgia Brown
Personal Finance Editor
What are interest-only repayments?
Opting for interest-only home loan repayments can be a useful strategy in some circumstances, but it’s important to understand how they work and whether they may be right for you.
Home Loans
20 Jun, 2022
3 min read
Alex Ritchie
Personal Finance Editor
What is a rate rise and how often does it happen?
Over a 25–30-year mortgage it is safe to expect your rate to fluctuate. So, what causes interest rates to rise, and how often can this occur?
Home Loans
17 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What are residential home loans?
There are two main reasons to purchase property; to live in the home as your primary place of residence or to rent it out as an investor. A residential home loan refers to the former of these mortgage purposes.
Home Loans
17 Jun, 2022
4 min read
Georgia Brown
Personal Finance Editor
How to apply for a fixed home loan
If you’ve decided that a fixed rate home loan is the right choice for you, the next step is to get started on your application.
Home Loans
17 Jun, 2022
4 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
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
What do house valuers look for?
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