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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

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

What are the upfront costs when buying a home?

Tony Ibrahim

Senior Journalist

Will a limited credit history affect my home loan application?

If you’re approaching a bank for a home loan, then odds are you’re asking six figures or more. And before banks deposit it into your account, they want to know they’ll receive their investment back.

Home Loans

16 Oct, 2020

5 min read

Will a limited credit history affect my home loan application?

Jodie Humphries

Personal Finance Editor

Answers to your questions about home loan documents required for self-employed workers

If you have questions about what home loan documents for self-employed workers lenders usually ask for we can help explain what documents are needed and why.

Home Loans

05 Oct, 2020

4 min read

Answers to your questions about home loan documents required for self-employed workers

Jodie Humphries

Personal Finance Editor

Do bank employees get better mortgage rates?

You may not get a preferred home loan rate just because you work at the bank. Consider comparing offers from different lenders before applying for a home loan.

Home Loans

04 Oct, 2020

5 min read

Do bank employees get better mortgage rates?

Georgia Brown

Personal Finance Editor

Will a HECS or HELP debt affect your credit score?

While your uni days might now be a thing of the past and your focus is on the future, you may be left wondering if your student debt will rear its ugly head.

Home Loans

03 Oct, 2020

5 min read

Will a HECS or HELP debt affect your credit score?

Jodie Humphries

Personal Finance Editor

What credit score do I need to buy a home?

When you are starting the home loan application process, you could have some anxious moments about how lenders will view your application. Typically, lenders look at factors such as age, occupation, and income. In addition to those, your credit score plays an important role in evaluating your application.

Home Loans

02 Oct, 2020

5 min read