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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
Is every mortgage calculator the same?
Taking on a home loan may seem like a massive long-term financial commitment, which it can be. But by following a few simple tips you could ease the burden and save yourself tens of thousands of dollars in the process.
Home Loans
27 Apr, 2022
3 min read
Jodie Humphries
Personal Finance Editor
How do I buy someone out of a house?
Buying your partner out of a joint mortgage can depend on whether you are joint tenants or tenants in common, and on whether you can afford the house on your own.
Home Loans
25 Apr, 2022
4 min read
Vidhu Bajaj
Personal Finance Writer
What is mortgage restructuring?
Mortgage restructuring can help you keep up with your mortgage in difficult times by changing the terms of your mortgage. But if you only want a lower interest rate, you may consider refinancing your home loan.
Home Loans
22 Apr, 2022
5 min read
Georgia Brown
Personal Finance Editor
What are mortgage exit fees?
In July 2011 the government abolished home loan exit fees so that borrowers would no longer be discouraged from switching home loans to a more competitive lender. While this has created a healthier and more competitive home loan market it is still important to take note of the other fees and charges associated with home loans.
Home Loans
21 Apr, 2022
3 min read
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
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