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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 does “conditionally approved” mean for a home loan?
Some lenders offer conditional approval for a home loan, giving you an idea of how much you can borrow. This, however, doesn’t mean the home loan is approved.
Home Loans
21 Jan, 2021
4 min read
Jodie Humphries
Personal Finance Editor
How long does home loan approval take?
You’ve found your dream home, put in an application for a home loan and now are wondering how long a bank takes to approve the home loan. Well, that depends on several factors and the right documentation.
Home Loans
20 Jan, 2021
5 min read
Jodie Humphries
Personal Finance Editor
What you should know about hobby farm home loans
Hobby farm home loans aren’t the same as loans for residential properties in a city. You may need to find a specialist lender and also check the loan terms.
Home Loans
08 Jan, 2021
5 min read
Jodie Humphries
Personal Finance Editor
How to get a home loan with bankruptcy discharge?
Declaring bankruptcy can severely hamper your credit history. But, can you apply for a home loan after being discharged? Learn how to get a home loan with a bankruptcy discharge.
Home Loans
05 Jan, 2021
4 min read
Jodie Humphries
Personal Finance Editor
An insight into private home loan lenders
If you find it difficult to access a home loan from regular lenders, private lenders may be an option. Understand how private lenders work and the pros and cons of this alternative.
Home Loans
21 Dec, 2020
4 min read
Jodie Humphries
Personal Finance Editor
What you need to know about taking out a mortgage for a vacation home
You may be interested in buying a holiday home for the dual benefits of rental income and future vacations. But you must carefully consider the pros and cons of holiday home loans to decide if this is a smart investment decision.
Home Loans
21 Dec, 2020
4 min read
Jodie Humphries
Personal Finance Editor
Why do I need a home loan exit strategy?
If things don’t turn out the way you expect, you may need another way to pay off your home loan. That’s why lenders often ask for a home loan exit strategy.
Home Loans
19 Dec, 2020
3 min read
Jodie Humphries
Personal Finance Editor
Can I apply for a joint home loan with my spouse if I’m not working?
Sometimes, applying for a home loan with your spouse may be necessary if you’re not earning your own income. However, lenders may prefer that the wage earner alone apply for the loan.
Home Loans
18 Dec, 2020
4 min read
Jodie Humphries
Personal Finance Editor
Will a personal loan affect a home loan?
A personal loan can affect a home loan application positively as well as negatively. Consider checking your credit score and borrowing power to find out how.
Home Loans
17 Dec, 2020
5 min read
Jodie Humphries
Personal Finance Editor
What is capitalised interest on a mortgage?
When you’re unable to pay even the interest on your home loan, it gets capitalised or added to the amount borrowed and increases the total sum you owe.
Home Loans
16 Dec, 2020
5 min read
Jodie Humphries
Personal Finance Editor
How can I check my home loan balance?
If you’re wondering how to check your home loan balance, there are a few options. You can check it either by calling your lender or using an online calculator.
Home Loans
16 Dec, 2020
4 min read
Jodie Humphries
Personal Finance Editor
Can you have two home loans on one property?
It is possible to have two loans on a commercial or residential property. But before you take out a second mortgage, be informed about the advantages and disadvantages.
Home Loans
15 Dec, 2020
3 min read
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