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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
How to prepare for a house valuation
If you are to sell or refinance your home or need the property’s value as part of a legal settlement, first thing that you need is to do a house valuation.
Home Loans
25 Aug, 2021
4 min read
Alex Ritchie
Personal Finance Editor
Should I get an offset account?
When searching for your ideal home loan, there are a range of helpful features that can offer more flexibility and reduce your ongoing repayments. One of the most popular features for a home loan which may do just that is an offset account.
Home Loans
13 Aug, 2021
5 min read
Mark Bristow
Personal Finance Editor
What type of home loan is best for a first home buyer?
Because every first home buyer is in a different financial situation and has different personal goals, the best home loan option for each borrower will be different. Understanding some mortgage features and benefits that are popular with first home buyers can help you compare home loans and find a deal that best suits your needs.
Home Loans
10 Aug, 2021
5 min read
Mark Bristow
Personal Finance Editor
Can you deposit cash in your home loan account?
Many banks and other mortgage lenders will let you make extra repayments onto a home loan. Depositing your extra cash into your mortgage like this can help to lower your loan principal, reducing your interest charges and bringing you closer to exiting the loan early. However, it’s not always easy to take this cash back out of your mortgage again in a hurry, unless your home loan has a redraw facility.
Home Loans
06 Aug, 2021
4 min read
Vidhu Bajaj
Personal Finance Writer
What homeowners need to know about mortgage lenders going bankrupt
Ever paused and wondered what would happen if your mortgage company went bankrupt? Generally speaking, your home loan will most likely be transferred to a new bank that chooses to absorb the bankrupt mortgage lender.
Home Loans
04 Aug, 2021
5 min read
Mark Bristow
Personal Finance Editor
Do you need a bank account to get a home loan?
To get a home loan, you’ll need a bank account in order to manage the repayments. However, you aren’t required to bank with the same financial institution that holds your mortgage.
Home Loans
04 Aug, 2021
3 min read
Vidhu Bajaj
Personal Finance Writer
Do I need multiple mortgage pre-approvals?
Getting pre-approved for a mortgage can help narrow down your property search considerably, as you’ll have a firm budget in mind while you go house hunting. Additionally, being pre-approved for a mortgage puts you in a better position to negotiate a price at an auction.
Home Loans
30 Jul, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What are commercial mortgage rates?
If you need funds for your business and own a property that you can offer as security, you may be able to take out a commercial mortgage. Find out what commercial mortgage rates you may be offered.
Home Loans
29 Jul, 2021
3 min read
Alex Ritchie
Personal Finance Editor
Can I get a mortgage five times my salary?
Depending on your income, expenses, and the property you want to buy, you may be able to get a mortgage one, five, or even ten times your salary. But just because you have a high income, it doesn’t mean you’ll be approved for a loan.
Home Loans
29 Jul, 2021
4 min read
Alex Ritchie
Personal Finance Editor
Lending criteria and you: how your job affects a loan
Whether you’re in the market for a new vehicle, need to pay for your wedding or are planning on purchasing property, it’s important to note that your job plays a significant role in your chances of being approved for a loan.
Home Loans
28 Jul, 2021
4 min read
Mark Bristow
Personal Finance Editor
What factors go into a home appraisal?
Before you get ready to sell your home or investment property, you may want to work out what kind of sale price you can expect. Whether you’re planning to use the money from the sale to fund your next property purchase, or if you have some other project in mind, appraising your property’s value before you sell can help you start planning your budget in advance.
Home Loans
27 Jul, 2021
5 min read
Jodie Humphries
Personal Finance Editor
What are the alternatives to reverse mortgages in Australia?
As a retired Aussie, you might be considering a reverse mortgage. A reverse mortgage can be used to meet expenses after retirement by tapping into the equity in your home.
Home Loans
27 Jul, 2021
3 min read
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Personal Finance Editor
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