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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.

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

What you need for a successful home loan application

Mark Bristow

Personal Finance Editor

How to calculate home loan repayments

Most Australians dream of buying their own home but it can be confronting when you sit down and work out what you can actually afford. Suddenly your dream of owning a three bedroom home with a large garden and entertaining space has become a small two bedroom unit.

Home Loans

25 Mar, 2022

3 min read

Jodie Humphries

Personal Finance Editor

What you should know before buying a property below market value

You may get lucky when buying a house and be able to make a favourable purchase, buying the property below market value. But how do lenders look at such deals?

Home Loans

25 Mar, 2022

4 min read

What you should know before buying a property below market value

Alex Ritchie

Personal Finance Editor

Can you claim house renovations on tax?

For property investors, understanding what home repairs, maintenance or improvements are tax deductible is crucial come tax time. But it’s not uncommon for investors to make simple mistakes when determining what can or cannot be lodged as a deduction.

Home Loans

25 Mar, 2022

4 min read

Can you claim house renovations on tax? | RateCity

Jodie Humphries

Personal Finance Editor

Understanding family guarantee home loans

A family deposit mortgage allows your parents or close relatives to act as your guarantor to secure a home loan. The family guarantee home loan can work both ways, meaning your parents can become your guarantor, or you can become a guarantor for your parents.

Home Loans

25 Mar, 2022

3 min read