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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.
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
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
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
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
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
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
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
Jodie Humphries
Personal Finance Editor
What to do if your home loan is denied
There are several reasons you may have been denied a home loan. Here are some steps you can take if this happens to you.
Home Loans
22 Jan, 2021
4 min read
RateCity
Even more home loans now starting with a ‘1’
At the end of June, the 2 per cent barrier was broken and several lenders have joined the sub-2% club since then.
Home Loans
22 Jan, 2021
1 min read
Jodie Humphries
Personal Finance Editor
Can I still sell my house in foreclosure?
If you miss your home loan repayments, the lender can take you to court and repossess your home. However, you can choose to sell your home before this happens.
Home Loans
22 Jan, 2021
4 min read
Jodie Humphries
Personal Finance Editor
Can I get a bad credit home loan with a co-signer?
If you have a bad credit history, a co-signer can help you get a home loan. However, they need to be aware of the risk involved, as they may need to repay the loan if you can’t.
Home Loans
22 Jan, 2021
4 min read
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