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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 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

How can I secure a home loan with bad credit?

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

Can I get a home loan with unpaid credit card debt?

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

Home loan rates now lower than in the 1950s | RateCity

Jodie Humphries

Personal Finance Editor

Can first-time homebuyers get a renovation loan?

Lenders may approve a renovation mortgage for first-time homebuyers if there’s an acceptable reason for the renovation. Lenders may not agree to let you borrow money for renovation unless you have a valid reason. Some of the reasons lenders may accept could be.

Home Loans

15 Feb, 2021

4 min read

Can first-time homebuyers get a renovation loan?

Jodie Humphries

Personal Finance Editor

Can I cancel a home loan before settlement?

The settlement is the last step in the home buying process, when the lender provides the funds for you to purchase the property and register a mortgage against the title of your new home.

Home Loans

10 Feb, 2021

4 min read

Can I cancel a home loan before settlement?

Jodie Humphries

Personal Finance Editor

Buying a second property with a second home loan

Once you purchase your first property, you think that buying the next one would be easy. However, the property market and the lending industry may have changed since the time you brought the first property. Let’s take a look at some factors you should consider while buying a second home.

Home Loans

10 Feb, 2021

3 min read

Buying a second property with a second home loan

Jodie Humphries

Personal Finance Editor

What is an unconditional home loan approval & can you be denied after approval?

You can start house shopping with a conditional home loan, but you’ll only receive the funds after you get final unconditional home loan approval.

Home Loans

10 Feb, 2021

4 min read

Unconditional Approval: What is it & can you be denied after approval?

Jodie Humphries

Personal Finance Editor

Can I get a home loan without my spouse?

If you’re part of a couple, it’s often easier to get a home loan with your partner because you can pool your incomes and assets. But if you’re partnered and wish to buy alone, applying for a loan without your spouse may still be possible.

Home Loans

09 Feb, 2021

2 min read

Can I get a home loan without my spouse?

RateCity

You Can’t Unsee these Ultra Low Home Loan Rates

When you see the home loan rates below, you’ll find them hard to ignore. Especially, if your home loan rate still starts with a ‘3’

Home Loans

01 Feb, 2021

1 min read

You Can’t Unsee these Ultra Low Home Loan Rates | RateCity

Jodie Humphries

Personal Finance Editor

What size home loan can I afford?

Buying a new home is a big decision, and is one of the most expensive investments of your life, too. But before you even start to look for that dream home, you should find out how much you can borrow. This will help you narrow down your search and get an idea of what your repayments will look like in the future.

Home Loans

25 Jan, 2021

5 min read

Jodie Humphries

Personal Finance Editor

Can you get two loans on your home?

If you’re considering taking out a second mortgage on your home loan, there are a lot of pros and cons to consider. Learn more about the benefits and risks involved.

Home Loans

25 Jan, 2021

3 min read