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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

Can I get a home loan without my spouse?

If you’re part of a couple, it’s often easier to get a home loan with your partner because you can pool your incomes and assets. But if you’re partnered and wish to buy alone, applying for a loan without your spouse may still be possible.

Home Loans

09 Feb, 2021

2 min read

Can I get a home loan without my spouse?

Jodie Humphries

Personal Finance Editor

What you need to know about taking out a mortgage for a vacation home

You may be interested in buying a holiday home for the dual benefits of rental income and future vacations. But you must carefully consider the pros and cons of holiday home loans to decide if this is a smart investment decision.

Home Loans

21 Dec, 2020

4 min read

What you need to know about taking out a mortgage for a vacation home

Jodie Humphries

Personal Finance Editor

Will a personal loan affect a home loan?

A personal loan can affect a home loan application positively as well as negatively. Consider checking your credit score and borrowing power to find out how.

Home Loans

17 Dec, 2020

5 min read

Will a personal loan affect a home loan?

Jodie Humphries

Personal Finance Editor

What is capitalised interest on a mortgage?

When you’re unable to pay even the interest on your home loan, it gets capitalised or added to the amount borrowed and increases the total sum you owe.

Home Loans

16 Dec, 2020

5 min read

What is capitalised interest on a mortgage? | RateCity

Jodie Humphries

Personal Finance Editor

Can you get a home loan as a casual employee?

Does being a casual worker impact your ability to get a home loan? Read on to find out how to improve your chances of getting a home loan as a casual employee.

Home Loans

01 Dec, 2020

4 min read

Can you get a home loan as a casual employee?

Jodie Humphries

Personal Finance Editor

Home loans for single parents on Centrelink

Qualifying for a home loan as a single parent may be challenging, but you may be able to take advantage of certain options. If you receive a Parenting Payment from Centrelink, most lenders will accept it as a part of your income.

Home Loans

27 Nov, 2020

4 min read

Home loans for single parents on Centrelink

Jodie Humphries

Personal Finance Editor

Can you get a mortgage at 65?

Your age is just a number. But is it an important number for lenders while approving your home loan application?

Home Loans

26 Nov, 2020

4 min read

Jodie Humphries

Personal Finance Editor

Can you get a home loan on Centrelink?

It is possible to get a home loan on Centrelink payments; however, the application process can be challenging, and you will need to do your research.

Home Loans

21 Nov, 2020

5 min read

Jodie Humphries

Personal Finance Editor

How to get a home loan when you're self-employed

Getting a home loan as a self-employed borrower isn’t that difficult, provided you have the right documents to prove your ability to repay the loan.

Home Loans

01 Nov, 2020

5 min read

How to get a home loan when you're self-employed

Jodie Humphries

Personal Finance Editor

Is my home loan limit based on salary?

You’ve found your dream home and are looking to see if you can get a home loan that covers the purchase. In your research, you may wonder if there’s a limit to how much you can borrow based on your salary.

Home Loans

30 Oct, 2020

5 min read

Jodie Humphries

Personal Finance Editor

Do bank employees get better mortgage rates?

You may not get a preferred home loan rate just because you work at the bank. Consider comparing offers from different lenders before applying for a home loan.

Home Loans

04 Oct, 2020

5 min read

Do bank employees get better mortgage rates?

Georgia Brown

Personal Finance Editor

Will a HECS or HELP debt affect your credit score?

While your uni days might now be a thing of the past and your focus is on the future, you may be left wondering if your student debt will rear its ugly head.

Home Loans

03 Oct, 2020

5 min read