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Home Loans Articles
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.
Mark Bristow
Personal Finance Editor
How much does a house depreciate in value?
You may not think of houses as depreciating in value – after all, don’t house prices keep going up and up? But property investors know that houses and apartments also experience wear and tear over time, which requires upkeep and maintenance. While this depreciation can eat into the rental yield from an investment property, the costs can often be claimed as an expense on your taxes.
Home Loans
07 Nov, 2023
3 min read
Mark Bristow
Personal Finance Editor
Everything home buyers need to know about stamp duty
There are many costs associated with buying a home, and stamp duty is one of the biggest. Stamp duty is a tax charged by states and territories on property purchases. This not only includes real estate, but business assets, vehicles, and some gifts and insurance policies.
Home Loans
07 Nov, 2023
11 min read
Mark Bristow
Personal Finance Editor
Can you use rental income to qualify for a mortgage?
If you own an investment property and are thinking of buying another one, you may want to use the rental income you receive from your tenants to help pay for your next mortgage. However, not all mortgage lenders will take all of your rental income into account when assessing your mortgage application.
Home Loans
02 Nov, 2023
3 min read
Alex Ritchie
Personal Finance Editor
Tax deductions for your investment property
To make the most from your investment property, it helps to better understand its tax deductions. Find out more.
Home Loans
01 Nov, 2023
4 min read
Alex Ritchie
Personal Finance Editor
How to increase the value of your home
Whether you are considering selling your property, or trying to maximise your return on investment through lifting your rental income, increasing the value of your home is a worthwhile endeavour.
Home Loans
24 Oct, 2023
3 min read
Vidhu Bajaj
Personal Finance Writer
The fixed versus variable home loan debate
Learn the difference between fixed and variable rate home loans. Make an informed choice regarding what’s better for your situation.
Home Loans
23 Oct, 2023
6 min read
Mark Bristow
Personal Finance Editor
House Appraisal vs Market Value: how much is your home worth?
What is a property actually worth? The answer may depend on if you were to ask a real estate agent or a valuer working for a mortgage lender.
Home Loans
17 Oct, 2023
6 min read
Mark Bristow
Personal Finance Editor
Heritage home renovations explained
Buying and renovating an older property can be an affordable and satisfying way to improve your quality of life at home, or to add more value to an investment. However, renovating a home old enough to qualify for heritage listing can bring with it a whole set of new complications. Be prepared for extra work and hassle, but also extra satisfaction!
Home Loans
17 Oct, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
Are holiday homes a good investment?
Planning to invest in a holiday home? Consider its purpose, pros and cons, and how you can protect your holiday home against damage.
Home Loans
16 Oct, 2023
7 min read
Vidhu Bajaj
Personal Finance Writer
What is rentvesting?
In this article we break down what rentvesting is all about, including what it means, how it works, and its pros and cons.
Home Loans
05 Oct, 2023
9 min read
Alex Ritchie
Personal Finance Editor
Which type of home loan is best?
There is no one-size-fits-all best home loan type. In fact, there are several home loan types available to suit a range of homeowners in Australia.
Home Loans
26 Sep, 2023
5 min read
Mark Bristow
Personal Finance Editor
Is negative gearing to blame for house unaffordability?
Negative gearing allows investors to claim any losses they incur on an investment property against their personal tax income and is often accused of driving up the price of property by encouraging investors to enter the market. Some economists have called for it to be abolished, and many blame it for Australia’s housing unaffordability.
Home Loans
22 Sep, 2023
6 min read
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Vidhu Bajaj
Personal Finance Writer
19 Nov, 2024
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Alex Ritchie
Personal Finance Editor
16 Nov, 2024
How to get a home loan while self-employed
Mark Bristow
Personal Finance Editor
15 Nov, 2024
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