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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

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

Is a fixed or variable home loan better?

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

What is the maximum amount you can borrow with a reverse mortgage?

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

What can count towards a home loan deposit?

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

What is a property history report, and how can it help you?

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

How to get a home loan interest rate under 2%

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

What are reverse mortgage tax obligations?

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

Mark Bristow

Personal Finance Editor

Can a student get a home loan?

It is possible for students in Australia to get home loans, provided they can fulfil a mortgage lender’s eligibility requirements. This may not be easy for many students, who already have significant study commitments.

Home Loans

28 May, 2021

4 min read

Mark Bristow

Personal Finance Editor

How to pay off your mortgage faster

Not a fan of being in debt? Here are a few tips that could help you get your home loan paid off sooner, so you can own your home or investment property outright, without a mortgage hanging over your head.

Home Loans

27 May, 2021

4 min read

Alex Ritchie

Personal Finance Editor

Can parents pay off a child's mortgage?

The bank of mum and dad has become one of the most common ways young Australians are able to get a foot on the property ladder. Here are three main ways a parent may be able to pay off a child’s mortgage.

Home Loans

25 May, 2021

4 min read