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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.
Vidhu Bajaj
Personal Finance Writer
How long does a guarantor stay on a mortgage?
Have you bought your first home by keeping your parents as guarantors on the mortgage? Work out when it is the right time to release them as guarantors.
Home Loans
30 Sep, 2024
5 min read
Alex Ritchie
Personal Finance Editor
What is lending criteria? The factors that may impact eligibility criteria
By understanding the eligibility criteria for mortgage approval before applying for a home loan, you can increase the chances of your application getting over the line.
Home Loans
18 Sep, 2024
7 min read
Mark Bristow
Personal Finance Editor
The pros and cons of paying off your mortgage early vs buying an investment property
Paying off your mortgage early lets you own your home sooner and save money on interest charges. But could investing in a rental property be a better choice when it comes to wealth creation?
Home Loans
10 Sep, 2024
6 min read
Mark Bristow
Personal Finance Editor
What do house valuers look for?
A professional valuation can be a little different to a real estate appraisal or online report. Understanding some of the differences could help to make sure your valuation is accurate.
Home Loans
10 Sep, 2024
4 min read
Vidhu Bajaj
Personal Finance Writer
What is a good rental yield?
Learn what is considered a good rental yield, how to calculate rental yield, and best places for rental yield in Australia.
Home Loans
29 Aug, 2024
7 min read
Jodie Humphries
Personal Finance Editor
How does a guarantor mortgage work?
A guarantor home loan allows family members to use their home equity as security for your loan. If you cannot repay the loan, your guarantor then becomes responsible for making the monthly payments.
Home Loans
29 Aug, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
What is a property development loan?
Learn what a property development loan is, how it works, the differences between residential and commercial loans, and how much you can borrow for your project.
Home Loans
28 Aug, 2024
6 min read
Jodie Humphries
Personal Finance Editor
Average mortgage age in Australia
If the average Australian first home buyer’s age is between 25 and 36 years old, this would make the average age to pay off a mortgage in Australia between 50 and 66 years.
Home Loans
28 Aug, 2024
4 min read
Vidhu Bajaj
Personal Finance Writer
What are the pros and cons of bridging loans?
Learn the pros and cons of bridging loans, a short-term solution to finance a new property while waiting to sell your current home, with flexible options and risks.
Home Loans
27 Aug, 2024
8 min read
Vidhu Bajaj
Personal Finance Writer
What happens when you pay off your mortgage
After years of discipline, your home loan is fully paid. What next? Let’s take a look at what to do after paying off the mortgage.
Home Loans
23 Aug, 2024
9 min read
Vidhu Bajaj
Personal Finance Writer
Can you sell a house before paying off the mortgage?
Understand what is mortgage discharge and loan portability if you're planning to sell the house before the mortgage is paid.
Home Loans
22 Aug, 2024
5 min read
Vidhu Bajaj
Personal Finance Writer
How do mortgage brokers get paid?
How mortgage brokers get paid? Can this affect which home loans the broker recommends? Let’s explore how mortgage brokers operate and receive commissions.
Home Loans
22 Aug, 2024
5 min read
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Mark Bristow
Home & Personal Finances Editor
14 Mar, 2025
Fixed vs variable rates: which is better, and can you have both?
Mark Bristow
Home & Personal Finances Editor
13 Mar, 2025
How to lower your mortgage repayments
Vidhu Bajaj
Personal Finance Writer
28 Feb, 2025
What is a non-conforming home loan?
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