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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
What you should know about using super for home loan repayments
You can sometimes use super for mortgage repayments if you risk defaulting and losing your home or if you qualify for the First Home Super Saver Scheme.
Home Loans
26 Feb, 2021
3 min read
Jodie Humphries
Personal Finance Editor
What factors can affect your mortgage rate?
You may have seen mortgage interest rates advertised on lenders websites or sites like RateCity and wondered how they are set and how you can get a better deal.
Home Loans
26 Feb, 2021
8 min read
Jodie Humphries
Personal Finance Editor
Loans for first home buyers without any down payment: How they work
Are you trying to buy your first property with no deposit? It may be possible, but it’s worth exploring all the available options.
Home Loans
26 Feb, 2021
4 min read
Jodie Humphries
Personal Finance Editor
How to get pre-approval for a home loan as a first-time buyer?
While planning to buy your first home, it’s good to understand how much you’re eligible to borrow. Learn more about the process of getting pre-approval on your home loan.
Home Loans
26 Feb, 2021
5 min read
Jodie Humphries
Personal Finance Editor
How can you get a home loan on a low income?
Even if you’re on a low income, you can still fulfil your dream of owning a home and getting a home loan. Getting home loan approval with a low income and bad credit may just take a little extra effort.
Home Loans
25 Feb, 2021
4 min read
Jodie Humphries
Personal Finance Editor
How long does a home loan pre-approval last?
A great way to speed up the home buying process is by getting pre-approval, but you may wonder how long does a home loan pre-approval last? Can it be extended if needed? Find out.
Home Loans
25 Feb, 2021
5 min read
RateCity
Take a sledgehammer to your mortgage rate in 2021
Over the past two years, the official cash rate has fallen by a whopping 1.4%. Put simply, if you haven’t checked your mortgage rate during this time, you could be overpaying by an alarming amount.
Home Loans
24 Feb, 2021
1 min read
Jodie Humphries
Personal Finance Editor
What do I need to do after closing my home loan?
If you’ve repaid your home loan in full, you will go through the process of discharging or closing the loan. This process involves updating your home’s title and securing your sole ownership. It’s also a good time to examine your finances.
Home Loans
24 Feb, 2021
4 min read
Jodie Humphries
Personal Finance Editor
What are the various home loan prepayment advantages and considerations?
Paying off your mortgage faster and owning your home free and clear is a tremendous achievement. There are both benefits and drawbacks to closing your home loan early that are worth considering.
Home Loans
23 Feb, 2021
4 min read
Jodie Humphries
Personal Finance Editor
How can I secure a home loan with bad credit?
Having a bad credit score shouldn’t prevent you from applying for a home loan. However, credit issues do affect the type of home loan you can get.
Home Loans
23 Feb, 2021
4 min read
Jodie Humphries
Personal Finance Editor
Can I get a home loan with unpaid credit card debt?
Getting a mortgage with credit card debt can be difficult, as lenders may decide that you have low borrowing power. Check if you can cancel a credit card.
Home Loans
16 Feb, 2021
3 min read
RateCity
Home loan rates now lower than in the 1950s
Towards the end of the 1950s in Australia, $7000 bought you a house, interest rates were around 5% and most people drove a Holden.
Home Loans
16 Feb, 2021
1 min read
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