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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 long does a valuation report take?
If you’re buying or selling a house, you may want to know how much the property is worth. A valuation report helps you get a number based on a professional evaluation.
Home Loans
23 Jun, 2021
3 min read
Jodie Humphries
Personal Finance Editor
What is the difference between a real estate appraisal and evaluation?
There is a difference between an appraisal and an evaluation in real estate. You may need either when buying or selling a house, so find out what they mean.
Home Loans
22 Jun, 2021
3 min read
Mark Bristow
Personal Finance Editor
How do mortgage companies verify income?
When you apply for a home loan, you’ll need to show the lender that you can comfortably afford the repayments. But how exactly do banks and mortgage lenders check your income and confirm that you earn enough for a mortgage?
Home Loans
18 Jun, 2021
5 min read
Mark Bristow
Personal Finance Editor
Is a fixed or variable home loan better?
The best choice between a fixed or variable home loan interest rate may depend on your personal and financial situation, as well as your home loan goals. There are advantages and disadvantages to fixed and variable interest rates, which could affect the value that different home loans offer you.
Home Loans
16 Jun, 2021
5 min read
Mark Bristow
Personal Finance Editor
Can I borrow money for stamp duty?
Stamp duty can be a significant cost to consider when buying a property. As well as your deposit and other fees and charges, stamp duty can add thousands of dollars to your upfront costs, depending on the value of the property. So it’s not surprising that some Australians look for alternative ways to manage this expense, such as borrowing money for stamp duty.
Home Loans
11 Jun, 2021
3 min read
Jodie Humphries
Personal Finance Editor
What is the maximum amount you can borrow with a reverse mortgage?
If you’re considering a reverse mortgage, several factors impact the maximum amount that you can borrow.
Home Loans
10 Jun, 2021
4 min read
Mark Bristow
Personal Finance Editor
What can count towards a home loan deposit?
The first step on many a home loan journey is saving up the deposit. Unfortunately, it’s often also a step that many borrowers struggle with, thanks to the high property prices in some Australian cities. Fortunately, there are several methods available to supplement your savings, so you can get your deposit together to buy your property sooner.
Home Loans
09 Jun, 2021
6 min read
Alex Ritchie
Personal Finance Editor
What is a property history report, and how can it help you?
If you’re in the early stages of purchasing a property you may be curious to the history of the home you’re considering buying. After all, how can you move forward with a property if you don’t know its past, including rental yields and growth of its market value?
Home Loans
04 Jun, 2021
4 min read
RateCity
How to get a home loan interest rate under 2%
There are currently several home loans with interest rates below 2 per cent available to both investors and owner-occupiers from lenders big and small.
Home Loans
01 Jun, 2021
1 min read
Jodie Humphries
Personal Finance Editor
What are reverse mortgage tax obligations?
If you’re over 60 and looking for an additional line of credit, you may want to consider a reverse mortgage. But what are your reverse mortgage tax implications?
Home Loans
01 Jun, 2021
3 min read
Mark Bristow
Personal Finance Editor
What adds value to a house appraisal?
Thinking about selling your property? By making a few changes to enhance your property’s appeal to potential buyers, you may be able to maximise the house value at your real estate agent’s appraisal. This could help to set buyer expectations, leading to a higher sale price.
Home Loans
31 May, 2021
5 min read
Georgia Brown
Personal Finance Editor
Things to do before a house appraisal
If you’re getting ready to put your home on the market, you’ll likely need to have it appraised.
Home Loans
29 May, 2021
3 min read
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