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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

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

Can comparing home loans save you money?

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

Alex Ritchie

Personal Finance Editor

Is the official cash rate the same as a mortgage interest rate?

It’s important to understand the distinction between the official cash rate and the interest rate on a home loan, and how one affects the other.

Home Loans

13 May, 2022

4 min read

Is the official cash rate the same as a mortgage interest rate?

Mark Bristow

Personal Finance Editor

The pitfalls of no deposit home loans

No deposit home loans are pretty much a thing of the past, though there are still a few ways for selected borrowers to get their foot on to the property ladder with little or no deposit. That said, it’s important to consider whether these options will be the best choices for you and your personal financial situation.

Home Loans

12 May, 2022

4 min read

Mark Bristow

Personal Finance Editor

Four options to pay off your home loan sooner

Many mortgage holders want to save money on interest payments and slash years off their mortgage terms. Fortunately, there are many home loans offering flexible features that could help you to pay off your property faster.

Home Loans

12 May, 2022

5 min read

Four options to pay off your home loan sooner

Mark Bristow

Personal Finance Editor

How to plan for an interest rate rise

It’s very unlikely that you’ll be paying the same interest rate on your home loan over its full decades-long term. So how can you plan ahead to keep your household budget under control the next time rates rise?

Home Loans

12 May, 2022

5 min read

Mark Bristow

Personal Finance Editor

What is an interest only home equity loan?

It’s possible to use any equity you’ve built up in your home to secure a loan or a line of credit to help pay for other household expenses. You may even be able to pay only the interest charged on these loans for a limited time, though you could risk paying more in total over the long run.

Home Loans

12 May, 2022

3 min read

What is an interest only home equity loan?

Mark Bristow

Personal Finance Editor

Are you buying to live in or rent out?

Are you buying a property to live in or to rent out? The purpose of your house purchase is vital to narrowing down your mortgage options when hunting for the most suitable home loan for your situation.

Home Loans

12 May, 2022

3 min read

Alex Ritchie

Personal Finance Editor

No deposit home loan

Saving up for a deposit is no easy feat. With property values through the roof, home buyers may be wondering if it’s still possible to get a no deposit home loan?

Home Loans

11 May, 2022

4 min read

Jodie Humphries

Personal Finance Editor

What happens to my mortgage if I file for bankruptcy?

You may have several questions in your mind while considering filing for bankruptcy, especially if you’re married. Understanding the legal and financial implications of this decision is important to ensure you take the most appropriate steps to manage your situation.

Home Loans

10 May, 2022

4 min read