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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 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

Can I still sell my house in foreclosure?

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

Can I get a bad credit home loan with a co-signer?

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

What does “conditionally approved” mean for a home loan?

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

What you should know about hobby farm home loans

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

How to get a home loan with bankruptcy discharge?

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

An insight into private home loan lenders

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

What you need to know about taking out a mortgage for a vacation home

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

Why do I need a home loan exit strategy?

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

Can I apply for a joint home loan with my spouse if I’m not working?

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

Will a personal loan affect a home loan?

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