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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.
Jodie Humphries
Personal Finance Editor
Are home loans available to Aussie expats?
Australian expats can usually apply for the same home loans as Aussie residents, but consider checking lenders’ specific qualifying criteria and loan terms.
Home Loans
27 Jan, 2022
3 min read
Jodie Humphries
Personal Finance Editor
Do you really need a 20 per cent deposit before applying for a home loan?
Like most first home buyers, you may think that you’ll need a 20 per cent deposit before you can apply for a home loan. With Lender's Mortgage Insurance (LMI) and a family guarantee, however, some lenders allow you to buy a home with a lower deposit.
Home Loans
27 Jan, 2022
4 min read
Alex Ritchie
Personal Finance Editor
What's the difference between banks and non-bank lenders?
Banks, credit unions and building societies are all vying for Australian home loan borrowers business, but which one is best?
Home Loans
25 Jan, 2022
5 min read
Jodie Humphries
Personal Finance Editor
What happens to a mortgage in a divorce?
From coming to terms with the end of your relationship to dealing with parenting and living arrangements, divorce is difficult. And if you hold a joint mortgage with your spouse, it can further complicate matters. Here are the different options available after your divorce.
Home Loans
24 Jan, 2022
4 min read
Jodie Humphries
Personal Finance Editor
What is home loan serviceability?
Home loan serviceability refers to your ability to repay a loan, and affects the amount you may be able to borrow from a lender.
Home Loans
19 Jan, 2022
5 min read
Jodie Humphries
Personal Finance Editor
How can I pay off my parents' mortgage?
If your parents are struggling to repay the mortgage on their house, you could step in to ease the burden by paying on their behalf or assuming the title to the property and refinancing it.
Home Loans
19 Jan, 2022
3 min read
Jodie Humphries
Personal Finance Editor
Can you borrow 100 per cent of a home loan?
Most lenders need you to pay a deposit of at least 20 per cent of the purchase price before approving a home loan. This can take several years to save up. A 100 per cent mortgage doesn't require any deposit. However, these are not readily available and generally require a guarantor.
Home Loans
18 Jan, 2022
4 min read
Jodie Humphries
Personal Finance Editor
Is it possible to borrow money from family for a mortgage?
If you’re struggling to put together a deposit worth thousands of dollars for a home loan, a family member could help by contributing a portion of the deposit. For instance, it’s not uncommon for parents to help their children get on the property ladder by giving them a lump sum amount to meet the minimum deposit criteria for a home loan. There are several other ways in which you can borrow money from your family for a mortgage.
Home Loans
11 Jan, 2022
5 min read
Jodie Humphries
Personal Finance Editor
How to pay your mortgage while on maternity leave
It’s common for new mothers to take a break from work to take care of their newborn baby. How will you manage mortgage repayments if your income reduces? Here’s how you can plan for this situation.
Home Loans
11 Jan, 2022
3 min read
Jodie Humphries
Personal Finance Editor
Understanding mortgage guarantor criteria
If you are looking for home loan guarantor information, this article will provide an overview of the things you must know before you apply for a guarantor mortgage.
Home Loans
10 Jan, 2022
4 min read
Mark Bristow
Personal Finance Editor
How to start saving a house deposit this year
Could this be the year when you finally sign on the dotted line and become a home owner? To do that, you’ll need to save a deposit, which isn’t as easy as it sounds. But there are savings strategies to consider and support options available that may be able to help you make real progress towards your goal this year.
Home Loans
03 Jan, 2022
9 min read
Alex Ritchie
Personal Finance Editor
How to gain home loan approval in 2022
You’ve done the hard work of saving up for a deposit for a property, only to discover the work isn’t over come mortgage application time. There are a number of steps you may take to increase your likelihood for mortgage approval in 2022.
Home Loans
29 Dec, 2021
5 min read
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