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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.
Georgia Brown
Personal Finance Editor
How to find the best home loan for you
Choosing the right home loan is a serious decision. There are hundreds of lenders and thousands of products and options available.
Home Loans
21 Apr, 2022
4 min read
Jodie Humphries
Personal Finance Editor
How can I get a home loan with no deposit and no guarantor?
Few lenders will offer you a home loan with no deposit and no guarantor, and you may have to pay Lender’s Mortgage Insurance (LMI) in such a case. Remember to check the loan conditions.
Home Loans
20 Apr, 2022
3 min read
Mark Bristow
Personal Finance Editor
How home loan calculators can help you
Whether you’re buying your first home, refinancing your mortgage, or looking to buy an investment property, it’s usually a good idea to make some calculations to work out if you’re making the best choice for your financial situation.
Home Loans
14 Apr, 2022
5 min read
Alex Ritchie
Personal Finance Editor
What are construction home loans?
Learn more about what is a construction loan and find a construction loan that suits your renovation schedule and budget.
Home Loans
14 Apr, 2022
4 min read
Mark Bristow
Personal Finance Editor
What is a basic home loan?
A basic home loan does exactly what it says on the tin – it’s where you borrow money to buy a property. Basic home loans are popular with some borrowers as they often have lower interest rates and fees than other options. However, basic home loans may not offer the popular features and benefits that could deliver extra value to some mortgage holders.
Home Loans
13 Apr, 2022
3 min read
Mark Bristow
Personal Finance Editor
Can you lock in a fixed home loan rate if you're still looking for a house?
So you decided to lock in a fixed rate home loan while the rates are hot? But what happens if you haven't settled on your new home yet? While you would be inclined to panic every time there was talk of an interest rate rise, there is a way to avoid this and lock in your fixed rate before you're approved.
Home Loans
13 Apr, 2022
3 min read
Mark Bristow
Personal Finance Editor
What is the Reserve Bank of Australia and what does it do?
The Reserve Bank of Australia (RBA) is Australia's central bank. Part of its role involves setting Australia’s monetary policy, which can make a significant impact on the cost of loans, as well as your ability to grow your savings.
Home Loans
13 Apr, 2022
4 min read
Alex Ritchie
Personal Finance Editor
Be your own broker: five tools to make your home loan comparison easier
RateCity’s home loan comparison tools can help you find and sort through some of the best mortgage market rates from Australia’s leading banks and lenders.
Home Loans
08 Apr, 2022
5 min read
Mark Bristow
Personal Finance Editor
How to reduce home loan debt
Finding ways to lower your outstanding mortgage debt could potentially help to lower your risk of financial stress, and even make more options available for managing your personal finances.
Home Loans
08 Apr, 2022
5 min read
Mark Bristow
Personal Finance Editor
How to borrow money in Australia
Borrowing money in Australia isn’t as easy as walking into a bank and walking back out with a big bag of cash. Whether you’re borrowing money to buy a home or for other purposes, you’ll need to fulfil certain eligibility criteria to see your loan application approved.
Home Loans
08 Apr, 2022
4 min read
Mark Bristow
Personal Finance Editor
How to understand your mortgage repayments
Whether you’re working out if you can afford a home loan, or if you already have a mortgage, it’s worth understanding exactly what goes into your mortgage repayments, so you can be confident that you’re getting value for money.
Home Loans
08 Apr, 2022
5 min read
Jodie Humphries
Personal Finance Editor
Land loan vs home loan: what are the differences?
A vacant land loan can help you buy a vacant plot on which you can construct your house, while a home loan is meant for purchasing a ready-to-occupy house.
Home Loans
06 Apr, 2022
3 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
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