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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.

Mark Bristow

Personal Finance Editor

What home loan calculators exist to make life easier?

A home loan calculator can help you quickly estimate mortgage repayments, so you can work out if you can afford the loan on your household budget. But there are other online calculators available that could help you plan your household budget before applying for a mortgage.

Home Loans

31 May, 2022

3 min read

What home loan calculators exist to make life easier?

Alex Ritchie

Personal Finance Editor

How to save money with your home loan

You can still save money when you own a home? Sounds ludicrous but it is possible and highly recommendable to save for those rainy days, or much needed holiday. The good news is, you can save money by simply fixing your home loan.

Home Loans

30 May, 2022

5 min read

Georgia Brown

Personal Finance Editor

Is there a right season to buy a new home?

Spring selling season, as it’s commonly referred to, is the time of year that typically sees an increase in homeowners listing their homes on the real estate market. But is this the best season to buy?

Home Loans

30 May, 2022

3 min read

Is there a right season to buy a new home?

Mark Bristow

Personal Finance Editor

Are there fees for switching home loans?

Australian borrowers wanting a better home loan rate may be tempted to refinance their mortgage and switch to an offer from a competitor lender. But before you jump ship, make sure you check the fees, charges, and other costs that may be involved.

Home Loans

27 May, 2022

5 min read

Are there fees for switching home loans?

Mark Bristow

Personal Finance Editor

How to compare Australia's top home loan rates

It’s important to compare Australia’s top home loan rates before selecting a mortgage offer, and understanding how different rates, fees, features and other benefits could help you.

Home Loans

27 May, 2022

5 min read

How to compare Australia's top home loan rates

Alex Ritchie

Personal Finance Editor

What is a flexible home loan and should you consider one?

Flexible home loans can offer you more than just your standard monthly mortgage repayments, so if you are looking for flexibility to match your forever changing lifestyle, consider a flexible home loan.

Home Loans

26 May, 2022

3 min read

What is a flexible home loan and should you consider one?

Mark Bristow

Personal Finance Editor

How do variable rate mortgages work?

Many Australian home loan deals offer variable interest rates. But how exactly do these variable rate home loans work, and what are the benefits and drawbacks compared to other mortgage options?

Home Loans

26 May, 2022

4 min read

Mark Bristow

Personal Finance Editor

How much interest will you pay over the life of a home loan?

Interest charges are one of the most significant costs to consider when applying for a home loan. But how much could a home loan ultimately cost, and are there any ways to lower the total interest you’ll pay?

Home Loans

26 May, 2022

6 min read

How much interest will you pay over the life of a home loan?

Alex Ritchie

Personal Finance Editor

How to find your remaining loan term

You may be closer to the end of your loan term than you think so discover how to find your remaining loan term. Plus, there are steps that homeowners can take to shave years off their loan.

Home Loans

25 May, 2022

4 min read

Mark Bristow

Personal Finance Editor

What's the difference between variable and fixed rate home loans?

Borrowers taking out home loans have a choice to make when it comes to their interest rates – variable or fixed? There are advantages and disadvantages to both of these options, as well as to choosing a split rate mortgage.

Home Loans

25 May, 2022

5 min read

What's the difference between variable and fixed rate home loans?

Mark Bristow

Personal Finance Editor

Where to get help choosing your home loan

It turns out there are a lot more mortgage choices available than just the home loan offered at your local bank branch. Working out the best mortgage option to suit your needs can be a challenge, so you may need a little help along the way.

Home Loans

25 May, 2022

5 min read

Where to get help choosing your home loan

Alex Ritchie

Personal Finance Editor

When is the right time to switch to fixed interest rates?

Experts advise that when we near the end of the interest rate cycle that when it’s time to start fixing rates. But how do we know for sure that the right time is approaching?

Home Loans

24 May, 2022

5 min read