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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 maximum amount you can borrow with a reverse mortgage?

If you’re considering a reverse mortgage, several factors impact the maximum amount that you can borrow.

Home Loans

10 Jun, 2021

4 min read

What is the maximum amount you can borrow with a reverse mortgage?

Mark Bristow

Personal Finance Editor

Can a student get a home loan?

It is possible for students in Australia to get home loans, provided they can fulfil a mortgage lender’s eligibility requirements. This may not be easy for many students, who already have significant study commitments.

Home Loans

28 May, 2021

4 min read

Alex Ritchie

Personal Finance Editor

Can parents pay off a child's mortgage?

The bank of mum and dad has become one of the most common ways young Australians are able to get a foot on the property ladder. Here are three main ways a parent may be able to pay off a child’s mortgage.

Home Loans

25 May, 2021

4 min read

Mark Bristow

Personal Finance Editor

How do banks value property?

Different banks use different methods to calculate the value of a property. Also known as a “bank property valuation”, the method your mortgage lender chooses may depend on their own internal policies, and other reasons, too.

Home Loans

22 May, 2021

3 min read

Jodie Humphries

Personal Finance Editor

How do you pay back a reverse mortgage loan?

A reverse mortgage is a popular option for retirees who own homes. Keep reading to learn how to pay back a reverse mortgage loan.

Home Loans

20 May, 2021

2 min read

How do you pay back a reverse mortgage loan?

Jodie Humphries

Personal Finance Editor

Learn how to avoid Lender's Mortgage Insurance

With the right deposit, you can save yourself from having to pay Lender’s Mortgage Insurance. The amount you’ll need to save depends on how much you want to borrow.

Home Loans

13 May, 2021

3 min read

Learn how to avoid Lender's Mortgage Insurance

Jodie Humphries

Personal Finance Editor

What is a debt-to-income ratio, and how does it impact your mortgage application?

A debt-to-income ratio (DTI) compares the amount of money you earn to the amount of money you owe to various lenders and credit card providers. It’s used by lenders to judge whether you can repay your mortgage comfortably or not.

Home Loans

21 Apr, 2021

5 min read

What is a debt-to-income ratio, and how does it impact your mortgage application?

Jodie Humphries

Personal Finance Editor

What happens to a reverse mortgage when the owner dies?

When a homeowner dies with an outstanding reverse mortgage, their home may be sold to repay the debt. However, their family may need to move out of the house first.

Home Loans

19 Apr, 2021

4 min read

What happens to a reverse mortgage when the owner dies?

Jodie Humphries

Personal Finance Editor

What is a reverse mortgage and are you eligible?

Using a reverse mortgage, you can convert the equity of your home into cash if you meet certain requirements. Learn more about reverse mortgages and find out if you’re eligible.

Home Loans

30 Mar, 2021

4 min read

What is a reverse mortgage and are you eligible?

Jodie Humphries

Personal Finance Editor

Can stamp duty be added to your mortgage?

Stamp duty is an upfront cost associated with buying property. It can be costly, and you may wonder if a lender will let you add this amount to your mortgage.

Home Loans

15 Mar, 2021

3 min read

Can stamp duty be added to your mortgage? | RateCity

Jodie Humphries

Personal Finance Editor

Can I cancel a home loan before settlement?

The settlement is the last step in the home buying process, when the lender provides the funds for you to purchase the property and register a mortgage against the title of your new home.

Home Loans

10 Feb, 2021

4 min read