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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.
Georgia Brown
Personal Finance Editor
What are green home loans?
Just like standard home loans, green home loans allow you to borrow money to buy a property. But they also aim to reward borrowers for choosing to live more sustainably.
Home Loans
17 Jun, 2022
3 min read
Mark Bristow
Personal Finance Editor
Mortgage redraw vs personal loan
Australians wanting to access finance to pay for personal projects may have several options available to them. Australians who are also home owners may have extra choices to consider, such as deciding between applying for a personal loan or using the redraw facility from their mortgage.
Home Loans
16 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What type of home loan fees can you expect to pay?
There’s more to a home loan than the interest rate you may be offered. It’s crucial that homeowners understand the types of fees you may be charged and when, and how to compare your options.
Home Loans
16 Jun, 2022
5 min read
Mark Bristow
Personal Finance Editor
How to understand home loan mortgage statements
A mortgage statement is a document provided by your lender that contains various details about your home loan, including how much of your loan you have repaid and how much is remaining. It will also include additional information, such as your interest rate, and how much money you’re saving in interest charges thanks to your offset account. Therefore, it is important to understand your mortgage statement clearly.
Home Loans
10 Jun, 2022
5 min read
Georgia Brown
Personal Finance Editor
Are fixed rate mortgages right for you?
When choosing a home loan, one of the biggest decisions you’ll make is whether to fix your interest rate. To help you decide if it’s the right choice for you, there are a number of factors to consider.
Home Loans
10 Jun, 2022
4 min read
Georgia Brown
Personal Finance Editor
What is a standard variable rate?
When you’re looking for a home loan, it’s important to understand the different types of interest rates that lenders offer. One that you might hear referred to often is a standard variable rate.
Home Loans
08 Jun, 2022
3 min read
Jodie Humphries
Personal Finance Editor
What should I do if I have problems repaying my mortgage?
If you need help repaying your mortgage, you may want to talk to your lender about their hardship options and check if you can defer or reduce your repayments.
Home Loans
06 Jun, 2022
3 min read
Alex Ritchie
Personal Finance Editor
What type of lenders offer home loans in Australia
It’s a jungle out there with the banks and non-bank lenders competing hard for your home loan business. The trouble is choice can create confusion for some, but the reality is that the banks and non-bank lenders provide perfectly viable loan products. The challenge is to shop around for the right home lender, which provides the best mortgage for your circumstances.
Home Loans
03 Jun, 2022
5 min read
Georgia Brown
Personal Finance Editor
How to search for a low-rate home loan online
If you're in the market for low rate home loans then you've come to the right place, because at RateCity you can compare thousands of mortgage products online to help you select an option that suits your needs. So put your feet up, pull out your laptop and start comparing.
Home Loans
03 Jun, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What should you consider before switching home loans?
Are you considering switching home loans? Have you found a better deal that could shave money and years off your home loan? Shopping around and staying aware of current trends and deals is a great way to save money but before you jump ship make sure you understand the costs involved.
Home Loans
31 May, 2022
5 min read
Mark Bristow
Personal Finance Editor
How do construction home loans work?
If you’ve found the perfect location, but not the perfect property, building your own dream house could be an option to consider. Financing your build may require a construction loan, which isn’t the same as a typical home loan.
Home Loans
31 May, 2022
4 min read
Alex Ritchie
Personal Finance Editor
How to negotiate a better deal on property
While a better deal on a home is never guaranteed, let’s explore some of the options you may have to put yourself in a better position when choosing a property.
Home Loans
31 May, 2022
4 min read
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Alex Ritchie
Personal Finance Editor
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Mark Bristow
Personal Finance Editor
10 Sep, 2024
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Mark Bristow
Personal Finance Editor
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