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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
Can a reverse mortgage calculator help me estimate my borrowing limit?
While you can borrow at least $10,000 through a reverse mortgage, consider using a reverse mortgage calculator to estimate how much more you could borrow.
Home Loans
15 Apr, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What is a reverse mortgage and are you eligible?
Using a reverse mortgage, you can convert the equity of your home into cash if you meet certain requirements. Learn more about reverse mortgages and find out if you’re eligible.
Home Loans
30 Mar, 2021
4 min read
Jodie Humphries
Personal Finance Editor
Can I get a home loan with a low credit score?
You can apply for a home loan with a low credit score, but you may not get the best deal in the market. Check how to improve your credit score before applying.
Home Loans
30 Mar, 2021
5 min read
Jodie Humphries
Personal Finance Editor
What you should know about historical mortgage rates
Studying historical home loan interest rates can help prepare for future trends, which can be useful for homebuyers in deciding when to apply for a mortgage.
Home Loans
22 Mar, 2021
3 min read
Jodie Humphries
Personal Finance Editor
How do banks approve home loan applications?
Knowing how banks approve home loans will help you prepare correctly and maximise your chances of getting your application approved.
Home Loans
17 Mar, 2021
4 min read
Jodie Humphries
Personal Finance Editor
Can I take out a second mortgage on my home?
You may take out a second mortgage on your home if your first mortgage lender allows it. Consider checking the pros and cons before applying for a second mortgage.
Home Loans
17 Mar, 2021
3 min read
Jodie Humphries
Personal Finance Editor
What you need to know before converting your home into a rental property
There are many reasons why you might want to move house. Perhaps you found a job in a different city, or your family has grown and the house or apartment no longer fits your needs. Whatever may be the reason for the change, you don’t need to give up the home you own when you move to another.
Home Loans
16 Mar, 2021
5 min read
Jodie Humphries
Personal Finance Editor
Can stamp duty be added to your mortgage?
Stamp duty is an upfront cost associated with buying property. It can be costly, and you may wonder if a lender will let you add this amount to your mortgage.
Home Loans
15 Mar, 2021
3 min read
Jodie Humphries
Personal Finance Editor
How can mortgage reduction strategies improve my financial situation?
Few of us want to hang onto the mortgage for longer than we have to. Luckily there are several strategies you can use to pay down your home loan faster.
Home Loans
09 Mar, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What is a rate lock and what happens if it expires before your home loan closes?
Some Aussies opt for a rate lock to ensure they are not hit with an unexpected interest rate hike while their home loan is being processed. Learn more about how you can lock in your mortgage rate.
Home Loans
09 Mar, 2021
4 min read
Jodie Humphries
Personal Finance Editor
How to apply for a home loan with bad credit
Even if you have a poor history of repaying money, you may still be able to get approval for a home loan in some circumstances. Learn more about the different options and if you may be eligible for a home loan with very bad credit.
Home Loans
09 Mar, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What are the tax benefits available to first-time homebuyers renting out their property?
Homeowners may qualify for tax deductions when they rent out the home and make improvements. They can also claim a deduction for loss in any equipment’s value.
Home Loans
04 Mar, 2021
4 min read
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