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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
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
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
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
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
Mark Bristow
Personal Finance Editor
What’s the difference between a home appraisal, a market value estimate, and a property valuation?
In Australian property, terms like home appraisal, property valuation and market value estimate are often used interchangeably. But there’s a big difference between what a property is worth and how much it may sell for, which could make a big difference to your home loan.
Home Loans
10 May, 2022
4 min read
Georgia Brown
Personal Finance Editor
How to save for a home loan deposit
Saving a home loan deposit is the first step towards owning your own home and a major financial milestone. But in a competitive housing market, it can take a lot of sacrifice and determination to build up the deposit you need.
Home Loans
09 May, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What happens when interest rates rise?
We watch with anticipation as interest rates rise and fall. The impact of which affects everyone who has a home loan, term deposit or other deposit accounts. Let’s have a brief look at how it affect each finance platform.
Home Loans
03 May, 2022
4 min read
Mark Bristow
Personal Finance Editor
Do I need a home appraisal for a refinance?
Refinancing your home may allow you to save money on your mortgage repayments, pay off your property faster, or access the equity in your home to use elsewhere. But before you start the refinancing process, it may be worth looking into a home appraisal, followed by a formal valuation, to help check if refinancing is the best decision for your needs.
Home Loans
02 May, 2022
5 min read
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Alex Ritchie
Personal Finance Editor
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Mark Bristow
Personal Finance Editor
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The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
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