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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

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

How to understand your mortgage repayments

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

Land loan vs home loan: what are the differences?

Alex Ritchie

Personal Finance Editor

How to make your own Australian home loan comparison

Home loans are undoubtedly one of the biggest investments most of us make in our lives, so it's easy to be lulled in with great looking introductory deals. But as well as being the biggest investment, it's also the longest investment so it's important to compare the long-term benefits of home loan types like fixed and variable.

Home Loans

06 Apr, 2022

4 min read

How to make your own Australian home loan comparison

Jodie Humphries

Personal Finance Editor

What does it take to subdivide land?

A subdivision is when a block of land is divided into two or more properties. As an investor, you could potentially generate profits by dividing land into smaller lots. If you own a large piece of land in a good location, you may consider creating smaller lots for sale. You might want to keep one lot for your own home and sell or rent out the others.

Home Loans

06 Apr, 2022

4 min read

Mark Bristow

Personal Finance Editor

Is there such a thing as loyalty discount home loans?

Are you a loyal home loan customer? If so, you could be rewarded with lower interest rates, provided your mortgage is with a lender that offers loyalty discounts.

Home Loans

05 Apr, 2022

3 min read

Georgia Brown

Personal Finance Editor

How to research and compare to find the best home loan

When it comes to finding the best home loan it pays to do your research, calculate your repayments and compare loans. What are the most important factors to consider when meeting with a home loan lender?

Home Loans

05 Apr, 2022

4 min read

How to research and compare to find the best home loan

Mark Bristow

Personal Finance Editor

Six ways to enter the property market

If you have ambitions to build a property portfolio and retire by 30, or simply want to own your forever home, there are a few different potential strategies that could help you take that first step onto Australia’s property ladder.

Home Loans

04 Apr, 2022

6 min read

Alex Ritchie

Personal Finance Editor

What are owner-occupied home loans?

From lower interest rates to missing out on negative gearing, there is a lot to discover about owner-occupier home loans. Discover everything you need to know about owner-occupier home loans and how to find your best home loan option.

Home Loans

01 Apr, 2022

1 min read

Mark Bristow

Personal Finance Editor

How to make a home loan repayment calculator work for you

A home loan repayment calculator can be a useful tool when you’re making mortgage plans ahead of buying a property. Simply entering a few details in to a mortgage calculator can not only help you estimate the repayments you may be able to afford, but help you compare home loan deals from a range of lenders, including options you may not have encountered before.

Home Loans

29 Mar, 2022

2 min read

How to make a home loan repayment calculator work for you

Mark Bristow

Personal Finance Editor

What you need for a successful home loan application

It’s one thing to apply for a home loan, but getting your application successfully approved is another. Every mortgage lender has different eligibility criteria, but there are steps you can take to help improve the likelihood of your application receiving preapproval and final approval from your lender.

Home Loans

29 Mar, 2022

5 min read