- Home
- Home Loans
- Articles
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.

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


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


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


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


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


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


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


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


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

Trending articles

Mark Bristow
Personal Finance Editor
14 Mar, 2025
Fixed vs variable rates: which is better, and can you have both?

Mark Bristow
Personal Finance Editor
13 Mar, 2025
How to lower your mortgage repayments

Vidhu Bajaj
Personal Finance Writer
28 Feb, 2025
What is a non-conforming home loan?
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.