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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 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
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
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
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
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
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
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
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
Jodie Humphries
Personal Finance Editor
How to qualify for a home loan if self-employed
If you’re self-employed, home loan qualifications can depend on how long you’ve been self-employed. Check the details of all home loan options available to you.
Home Loans
02 Oct, 2020
4 min read
Mark Bristow
Personal Finance Editor
What you should know about home loan criteria for self-employed borrowers
Your friends and family may have given you a lot of info about applying for home loans, but does it all still apply to you if you’re self-employed? Special home loan criteria may apply for self-employed borrowers, so it’s important to be prepared to help ensure you get a home loan that will suit your needs.
Home Loans
20 Sep, 2020
5 min read
Mark Bristow
Personal Finance Editor
Does HECS/HELP debt affect home loans?
If you have a university education in Australia, you’ll likely also have a HECS/HELP debt. It’s still possible to get your first home loan with a higher education debt owing, though like other outstanding loans, it could potentially affect your mortgage application.
Home Loans
15 Sep, 2020
4 min read
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