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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
Calculating the market value of a property
When you’re buying, selling or refinancing, it’s handy to know how to calculate the market value of a property. Getting an estimate will help with the next steps.
Home Loans
16 Dec, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What is a home loan settlement and how does it work?
When you’re taking out a loan to buy a house, the process is completed with the home loan settlement. What does this involve, and how do you need to prepare?
Home Loans
16 Dec, 2021
3 min read
Vidhu Bajaj
Personal Finance Writer
What is the difference between owner-occupied and investor home loans?
If you're planning to buy a house, you'll most likely apply for a mortgage to pay for it. However, whether you apply for an owner-occupied or investor home loan will depend upon the purpose for which you're going to use the property. As the name implies, an owner-occupied home loan is for individuals who wish to purchase a house to live in. On the other hand, an investor loan is for people who plan to buy a house and use it to earn rental income.
Home Loans
16 Dec, 2021
5 min read
Vidhu Bajaj
Personal Finance Writer
What is the difference between joint tenants and tenants in common?
Increasing property prices have made it even more challenging to buy a house. To get around this hurdle, some friends or relatives are choosing to buy a house together by pooling their resources and taking out a joint mortgage.
Home Loans
13 Dec, 2021
4 min read
Georgia Brown
Personal Finance Editor
Could lotto and gambling affect your home loan?
What might seem to you like a harmless punt on a Friday night could have the potential to significantly impact your home loan.
Home Loans
11 Dec, 2021
5 min read
Alex Ritchie
Personal Finance Editor
How to fund your home improvements with equity
Are you considering making home improvements and renovating your property? You may want to consider how you can make use of your home’s equity to finance these plans.
Home Loans
02 Dec, 2021
5 min read
Jodie Humphries
Personal Finance Editor
How to beat the banks on mortgages?
Are you paying a substantial amount to the bank for your mortgage? There are a few ways you can pay less or finish it sooner.
Home Loans
24 Nov, 2021
4 min read
Jodie Humphries
Personal Finance Editor
Is paying my mortgage off in full a good idea?
While becoming debt-free is wonderful, consider checking if paying down your mortgage is more suitable for your financial situation than investing the money elsewhere.
Home Loans
19 Nov, 2021
3 min read
Vidhu Bajaj
Personal Finance Writer
What’s the difference between genuine savings and non-genuine savings?
It’s likely that you already know you need to provide a deposit to qualify for a home loan. That’s not all your lender will require however. Many lenders also want to see how you saved that deposit, especially if you wish to borrow more than 80 per cent of the property’s price. While it may seem unnecessary, your ability to save money can tell a lender a lot about your credibility as a borrower.
Home Loans
19 Nov, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What you should know about construction loans?
Over 5000 Australians use construction loans to fund building a new home each year. If you’re planning to take this route, you’ll need a complete understanding of how these loans work.
Home Loans
19 Nov, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What is a mortgage deposit bond?
If you don’t have enough cash available, you can pay the deposit on your home with a deposit bond, and pay the full amount on settlement of your purchase.
Home Loans
19 Nov, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What does mortgage approval in principle mean?
A mortgage approval in principle isn’t the same as getting approved for a mortgage, but it can speed up buying a home. Find out how.
Home Loans
19 Nov, 2021
4 min read
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