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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
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
Alex Ritchie
Personal Finance Editor
Tips for a house valuation
Taking the time to properly prepare and set up your home for valuation is crucial to ensure it is valued at the most optimal price. Here is how to prepare your home for valuation.
Home Loans
25 May, 2021
3 min read
Mark Bristow
Personal Finance Editor
How to value a property for insurance
Home insurance can provide much-needed peace of mind by covering your property in case of accidents, damage, or other disasters. Plus, it’s often a necessary requirement when applying for a home loan with many lenders.
Home Loans
24 May, 2021
2 min read
Mark Bristow
Personal Finance Editor
How do banks value property?
Different banks use different methods to calculate the value of a property. Also known as a “bank property valuation”, the method your mortgage lender chooses may depend on their own internal policies, and other reasons, too.
Home Loans
22 May, 2021
3 min read
Jodie Humphries
Personal Finance Editor
How do you pay back a reverse mortgage loan?
A reverse mortgage is a popular option for retirees who own homes. Keep reading to learn how to pay back a reverse mortgage loan.
Home Loans
20 May, 2021
2 min read
Jodie Humphries
Personal Finance Editor
What you need to know about terminating a reverse mortgage
If you’re considering taking out a reverse mortgage or have applied for one, you need to know how to terminate the arrangement if it doesn’t work for you. There are a few different ways to do this.
Home Loans
18 May, 2021
3 min read
Jodie Humphries
Personal Finance Editor
Learn how to avoid Lender's Mortgage Insurance
With the right deposit, you can save yourself from having to pay Lender’s Mortgage Insurance. The amount you’ll need to save depends on how much you want to borrow.
Home Loans
13 May, 2021
3 min read
Jodie Humphries
Personal Finance Editor
Income protection vs. mortgage insurance: What you need to know
Both income protection insurance and mortgage protection insurance are income replacement products with different types of coverage. The most significant difference is that you can only use mortgage protection to cover your mortgage repayments if you’re unable to earn an income.
Home Loans
22 Apr, 2021
6 min read
Jodie Humphries
Personal Finance Editor
What is a debt-to-income ratio, and how does it impact your mortgage application?
A debt-to-income ratio (DTI) compares the amount of money you earn to the amount of money you owe to various lenders and credit card providers. It’s used by lenders to judge whether you can repay your mortgage comfortably or not.
Home Loans
21 Apr, 2021
5 min read
Jodie Humphries
Personal Finance Editor
What happens to a reverse mortgage when the owner dies?
When a homeowner dies with an outstanding reverse mortgage, their home may be sold to repay the debt. However, their family may need to move out of the house first.
Home Loans
19 Apr, 2021
4 min read
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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?
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