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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.
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
Mark Bristow
Personal Finance Editor
Can you have two home equity loans?
A home equity loan can help put the value of your property to work for you. Whether used to access a flexible line of credit, or to secure a mortgage over an investment property, your home equity can prove a useful tool for reaching your personal and financial goals.
Home Loans
12 Jul, 2021
3 min read
Georgia Brown
Personal Finance Editor
Can you consolidate personal loan debt on your home loan?
Personal loan interest rates tend to be higher than home loan rates, so you might wonder whether consolidation could be the key to spending less on interest charges.
Home Loans
12 Jul, 2021
4 min read
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