- Home
- Home Loans
- Articles
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.
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
Mark Bristow
Personal Finance Editor
What to do if the house valuation is less than your offer
Getting a home loan preapproval doesn’t mean your mortgage is automatically guaranteed. Many lenders preapprove home loan applications on the condition that the value of the property being bought is enough to secure the loan. If the lender’s valuation comes back short of the price you’ve offered to pay, you could be left in a difficult financial position, though there are steps you can take to try and recover.
Home Loans
26 Jul, 2021
5 min read
Mark Bristow
Personal Finance Editor
How fast can you get a home equity loan?
To get a home equity loan, you’ll first need to get some equity in your property. While it will likely take some time to build up your equity, you may find that you have more equity available than you realise, which could help things go faster.
Home Loans
24 Jul, 2021
3 min read
Jodie Humphries
Personal Finance Editor
Finding suitable mortgage lenders for discharged bankrupts
Getting a loan as a discharged bankrupt is possible, but you may need to look for a specialist lender. Learn about the process and mortgage companies that deal with bankruptcies.
Home Loans
23 Jul, 2021
4 min read
Alex Ritchie
Personal Finance Editor
Can you get a home loan without a deposit?
There may be options to get a home loan with zero deposit or even borrow 100% of a home loan without a guarantor. Let’s explore how to get a home loan with little to no deposit.
Home Loans
23 Jul, 2021
5 min read
Mark Bristow
Personal Finance Editor
Is it safe to get a home loan online?
If you’ve never applied for a home loan online before, it’s easy to feel nervous about the prospect of making a major financial commitment by clicking a mouse or tapping a smartphone. But there are benefits to online home loans, which are often much safer than you may expect.
Home Loans
22 Jul, 2021
4 min read
Alex Ritchie
Personal Finance Editor
Calculating your home loan based on rental payments
Your rental payments, or lack of, make up a key component of how a lender will assess your borrowing power for your home loan. Let’s explore how you may be able to determine how much you can borrow for a home loan based on your rental payments and current living situation.
Home Loans
19 Jul, 2021
7 min read
RateCity
Online mortgage lenders offering rock-bottom rates
Aussies are looking beyond big banks and turning to online lenders to save thousands on their mortgages. RateCity’s database shows that on average, online-only lenders offer lower owner-occupier home loan rates (paying principal and interest) than the big four banks.
Home Loans
18 Jul, 2021
1 min read
Jodie Humphries
Personal Finance Editor
How much equity is needed for a reverse mortgage?
Before you apply for a reverse mortgage, find out the requirements and how much equity you’ll need for a reverse mortgage.
Home Loans
15 Jul, 2021
4 min read
Alex Ritchie
Personal Finance Editor
Home equity loan guidelines
If you’ve been paying off your mortgage for a little while you’ll start to build up a bit of equity, particularly if the housing market in your area is seeing property values increase. However, home equity loans aren’t a one-size-fits-all financing option. Let’s explore some of the basic guidelines so you can deepen your understanding of home equity loans.
Home Loans
14 Jul, 2021
6 min read
Alex Ritchie
Personal Finance Editor
Can you get pre-approved for a home loan online?
The process of getting pre-approval can be an exciting, yet time consuming affair. Would-be borrowers may be hoping to streamline the process by avoiding going into a branch to apply for a mortgage.
Home Loans
13 Jul, 2021
3 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>
Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.
