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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 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

What is capitalised interest on a mortgage? | RateCity

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 get a home loan as a casual employee?

Does being a casual worker impact your ability to get a home loan? Read on to find out how to improve your chances of getting a home loan as a casual employee.

Home Loans

01 Dec, 2020

4 min read

Can you get a home loan as a casual employee?

Jodie Humphries

Personal Finance Editor

How to get a loan for a modular home

While modular homes are increasing in popularity, it’s still not easy to get a modular home loan. Find out how you can increase the chances of securing finance for your modular home.

Home Loans

01 Dec, 2020

2 min read

Jodie Humphries

Personal Finance Editor

Home loans for single mothers in Australia

If you’re a single mother, getting a home loan is challenging but not impossible. Find out what you need to know before applying.

Home Loans

30 Nov, 2020

4 min read

Home loans for single mothers in Australia

Jodie Humphries

Personal Finance Editor

Home loans for single parents on Centrelink

Qualifying for a home loan as a single parent may be challenging, but you may be able to take advantage of certain options. If you receive a Parenting Payment from Centrelink, most lenders will accept it as a part of your income.

Home Loans

27 Nov, 2020

4 min read