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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 you get a mortgage at 65?

Your age is just a number. But is it an important number for lenders while approving your home loan application?

Home Loans

26 Nov, 2020

4 min read

Jodie Humphries

Personal Finance Editor

Can I get a home loan with no credit check?

With no credit check, home loans may not be approved by most lenders. If you’re facing bad credit issues, check how you can repair your credit score.

Home Loans

23 Nov, 2020

4 min read

Can I get a home loan with no credit check?

Jodie Humphries

Personal Finance Editor

Can you salary sacrifice a home loan?

You may be able to salary sacrifice into a home loan if your employer allows it, but there may be limits on the amount of salary sacrificing possible.

Home Loans

22 Nov, 2020

5 min read

Jodie Humphries

Personal Finance Editor

Can you get a home loan on Centrelink?

It is possible to get a home loan on Centrelink payments; however, the application process can be challenging, and you will need to do your research.

Home Loans

21 Nov, 2020

5 min read

Jodie Humphries

Personal Finance Editor

How much deposit do I need for a home loan?

How much deposit do you need for a home loan? Most borrowers need to put up a deposit worth 20 per cent of their home’s value.

Home Loans

14 Nov, 2020

4 min read

How much deposit do I need for a home loan?

Jodie Humphries

Personal Finance Editor

Should I fix my home loan interest rate?

When finalising a home loan, should you opt for a fixed interest rate or a variable one? There are pros and cons to both, and being aware will help you to make a better decision.

Home Loans

12 Nov, 2020

4 min read

Should I fix my home loan interest rate?

RateCity

RBA Cash Rate Cut - Is your lender passing it on?

The Reserve Bank of Australia (RBA) has cut the cash rate for the third time in 2020. Get notified if your lender cuts rates.

Home Loans

03 Nov, 2020

1 min read

RBA Cash Rate Cut - Is your lender passing it on?

Georgia Brown

Personal Finance Editor

What happens if the RBA cuts rates today: can I get them immediately?

With speculation that November’s Reserve Bank Board meeting may result in a rate cut, you might be wondering what that could mean for you.

Home Loans

03 Nov, 2020

3 min read

What happens if the RBA cuts rates today: can I get them immediately?

Jodie Humphries

Personal Finance Editor

How to get a home loan when you're self-employed

Getting a home loan as a self-employed borrower isn’t that difficult, provided you have the right documents to prove your ability to repay the loan.

Home Loans

01 Nov, 2020

5 min read

How to get a home loan when you're self-employed

Jodie Humphries

Personal Finance Editor

What you should know about home loans for lawyers

As a legal professional, you may qualify for home loan discounts and other benefits if you earn more than a specified amount.

Home Loans

01 Nov, 2020

5 min read

What you should know about home loans for lawyers

Jodie Humphries

Personal Finance Editor

Is my home loan limit based on salary?

You’ve found your dream home and are looking to see if you can get a home loan that covers the purchase. In your research, you may wonder if there’s a limit to how much you can borrow based on your salary.

Home Loans

30 Oct, 2020

5 min read

Alex Ritchie

Personal Finance Editor

What are the upfront costs when buying a home?

Here is a comprehensive look at the major upfront costs you may be charged when buying a home, their average costs, and how you can potentially avoid them.

Home Loans

26 Oct, 2020

7 min read