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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.
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
Alex Ritchie
Personal Finance Editor
How to use equity to buy investment property
Are you watching others around you build their property portfolios and wondering how to buy your own investment property without blowing all your savings? If you own a home, you could harness the power of your home equity to get a kick start.
Home Loans
24 May, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What is a home loan package?
A home loan package may offer a variety of benefits – but it can come with a price. It’s worth understanding the advantages and risks of a home loan package before you sign on the dotted line.
Home Loans
23 May, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Selecting the right home loan
Let’s explore what factors are important to compare when searching for your best home loan option, and how to easily compare home loans and create a short list that suits your needs.
Home Loans
23 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
What is a fixed rate home loan?
Fixing your home loan interest rate can help keep your mortgage repayments stable and consistent for a limited time, for simpler budgeting and additional peace of mind. There are also other benefits to consider, along with a few risks, before you look at signing up for a fixed rate home loan.
Home Loans
20 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
Is it easy to switch home loan lenders?
Have you ever thought about refinancing your home loan, but decided it wasn’t worth the hassle? You may be surprised to find that switching mortgage lenders may actually be easier than you anticipated, which could make refinancing worth reconsidering.
Home Loans
20 May, 2022
6 min read
Mark Bristow
Personal Finance Editor
Are some Australian home loan lenders more competitive than others?
While you could get a home loan simply by applying with your current bank, casting your net a little wider could find you dozens of a competitive offers from other banks and non-bank lenders. So which lenders are the most competitive on the market, and which of their home loan options may best suit your needs?
Home Loans
20 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
Who needs a low documentation home loan?
Low doc home loans are designed for self-employed Australians who may not be able to provide the documentation that’s required to apply for a typical home loan. While low doc home loans can help some Australians purchase property, they may also have risks to consider before applying.
Home Loans
19 May, 2022
3 min read
Mark Bristow
Personal Finance Editor
Can comparing home loans save you money?
Whether you are a first-time buyer looking for a home loan, or looking to refinance your existing mortgage, you may find it easier to discover some of the best home loan offers for your circumstances by shopping around and comparing multiple deals.
Home Loans
18 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
How do you borrow money to buy a home?
Unless you’re part of the lucky few, you’ll likely have to borrow money from a financial institution to fund a property purchase.
Home Loans
17 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
Deciding on a fixed rate home loan
When you’re comparing fixed rate home loans, working out the best options to suit your financial needs can be tricky. Learning more about how fixed rates work, as well as variable rates and split rates, may be able to help you make your decision.
Home Loans
16 May, 2022
4 min read
Georgia Brown
Personal Finance Editor
What is a variable rate home loan?
Before you decide whether a variable rate home loan is right for you, it’s important to understand what it is and how it works.
Home Loans
16 May, 2022
3 min read
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Personal Finance Editor
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Personal Finance Editor
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The pros and cons of paying off your mortgage early vs buying an investment property
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Personal Finance Editor
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