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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.
Alex Ritchie
Personal Finance Editor
How to get a home loan while self-employed
Getting a home loan while self-employed isn’t usually difficult, but you’ll need to make sure you have the right documents to prove that you can repay the loan.
Home Loans
16 Nov, 2024
7 min read
Mark Bristow
Personal Finance Editor
What is rent assistance?
Rent assistance is a government payment that helps cover the cost of rent. It is only available to those already receiving government benefits.
Home Loans
15 Nov, 2024
5 min read
Mark Bristow
Personal Finance Editor
What is Lender's Mortgage Insurance?
Lenders Mortgage Insurance (LMI) is an insurance policy that protects your lender if you default on your mortgage. The cost of LMI can be significant, and may affect your home loan budget when buying a property or refinancing a mortgage.
Home Loans
05 Nov, 2024
6 min read
Vidhu Bajaj
Personal Finance Writer
Getting a home loan as a sole trader in Australia
Many traditional lenders may not be willing to offer a home loan to sole traders. However, there are other lenders who can help borrowers with the right track record.
Home Loans
29 Oct, 2024
6 min read
Vidhu Bajaj
Personal Finance Writer
What is a loan to value ratio on a reverse mortgage
Find out how much you can borrow with a reverse mortgage in Australia, including LVR limits, age requirements, and tips for seniors accessing home equity.
Home Loans
28 Oct, 2024
6 min read
Mark Bristow
Personal Finance Editor
Understanding body corporate fees
Body corporate fees or strata fees are paid by owners of strata-title properties to help cover the costs of maintaining common areas.
Home Loans
23 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
What is a buyer's agent?
A buyer’s agent can be your eyes and ears on the ground when comparing properties, and your representative when making a purchase via auction or private treaty.
Home Loans
22 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
Can a bank revoke a mortgage?
While it’s uncommon, it is possible for banks and mortgage lenders to revoke your home loan before you settle on a new property purchase.
Home Loans
16 Oct, 2024
4 min read
Mark Bristow
Personal Finance Editor
Can you be your own mortgage broker?
Any Australian who thoroughly researches the home loan market and carefully compares mortgage offers could effectively serve as their own mortgage broker.
Home Loans
15 Oct, 2024
5 min read
Mark Bristow
Personal Finance Editor
Can you use shares as equity for a home loan?
Your equity investments cannot be treated as security but could strengthen your case when applying for a home loan.
Home Loans
14 Oct, 2024
3 min read
Mark Bristow
Personal Finance Editor
When do you start paying off your mortgage?
Once your mortgage is in place, you need to make repayments every month. When should you start repaying your mortgage?
Home Loans
14 Oct, 2024
3 min read
Alex Ritchie
Personal Finance Editor
Asking for a rate cut: how to negotiate a better home loan rate
If you don't ask you don't get. If you are unhappy with your current home loan it's perfectly acceptable to approach your lender and ask for a better rate.
Home Loans
03 Oct, 2024
8 min read
Trending articles
Mark Bristow
Home & Personal Finances Editor
14 Mar, 2025
Fixed vs variable rates: which is better, and can you have both?
Mark Bristow
Home & Personal Finances 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?
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