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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.

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

Does Australia have capped rate mortgages?

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

How to beat debt by borrowing within your means

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

How Australia's mortgage market can benefit you

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

How long does a fixed home loan rate last?

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

Credit scores can affect your home loan application - what you need to know

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

Will your bank lend you money for a mortgage? Home loan lending criteria explained

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

Can you finance two cars on one loan? | RateCity

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

Do you need good credit for a home equity loan?

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

What’s the difference between interest only vs principal and interest on home loans?

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