- Home
- Home Loans
- Articles
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
Can you include renovation costs in a mortgage?
Traditional real estate advice says to buy the worst house in the best street – you can pay less today and renovate tomorrow. But renovating still costs money, so you may want to look into the options for using your home loan to help take care of your budget.
Home Loans
11 Sep, 2020
5 min read
Mark Bristow
Personal Finance Editor
What is a reverse mortgage, and what are the risks?
A reverse mortgage is a financial product that allows retirees to unlock the value of their family home. Sometimes called an equity release loan, a reverse mortgage lets you access a lump sum, line of credit or income stream to support your lifestyle in retirement. But just like any other financial product, there are risks involved with reverse mortgages, which you should be aware of before you apply.
Home Loans
07 Sep, 2020
5 min read
Mark Bristow
Personal Finance Editor
Can I get a home loan with no credit history?
If you prefer to avoid borrowing money wherever possible, you may run into some trouble when it comes to buying property. Not only is a home loan almost essential when it comes to Australian real estate, but having no credit history could make your mortgage application a little bit more challenging.
Home Loans
01 Sep, 2020
4 min read
Mark Bristow
Personal Finance Editor
How low could home loan rates go?
With Australia entering its first recession in decades, banks and mortgage lenders are eager to sign up new customers, and are making discounted interest rates available to first home buyers and refinancers. Large and small banks have been slashing both fixed and variable interest rates, and may continue to compete by offering further discounts.
Home Loans
06 Jul, 2020
2 min read
Alison Cheung
Finance Writer
Five home loans to let you borrow more in July 2020
Many people manage to secure a home loan with a deposit of less than 20 per cent, and that all comes down to what the lender allows.
Home Loans
30 Jun, 2020
2 min read
RateCity
Top 5 refinancing home loan rates in July 2020
Is your home loan rate still competitive? If you’ve let it go for a while, chances are you’ll be paying more than you should.
Home Loans
30 Jun, 2020
1 min read
Mark Bristow
Personal Finance Editor
Five home loans for getting cash out from your equity
With social distancing restrictions affecting many Australian workplaces, a lot of us have had to rethink our personal finances, including our home loans. And with big banks and smaller lenders slashing interest rates to new record lows, it’s no surprise that many Australians are refinancing their mortgages, as shown by recent ABS data.
Home Loans
25 Jun, 2020
3 min read
Alison Cheung
Finance Writer
Top five refinancing home loans that could save you money in the long run
Refinancing isn’t free, but it can save you money in the long run if you switch to a home loan with a lower interest rate, such as these home loan choices.
Home Loans
16 Jun, 2020
2 min read
Mark Bristow
Personal Finance Editor
What is a cooling off period, and how do they work?
A cooling off period is a length of time that follows signing a contract to purchase property, during which a buyer can choose to terminate the agreement without being in breach of contract and losing their deposit. This gives you a window of opportunity to change your mind about a property purchase if your circumstances change, or you decide it’s not right for you.
Home Loans
08 May, 2020
4 min read
Alex Ritchie
Personal Finance Editor
Stuck with a bank you don't like? There may be a psychological reason
Consumer inertia may be the reason why millions of Aussies choose to stay with their bank, even if it refuses to pass on a full RBA-led rate cut or charges higher than average fees.
Home Loans
22 Jan, 2020
3 min read
Jodie Humphries
Personal Finance Editor
Handy tips for buying a home at auction
Forget The Block, auctions are a lot less glamorous and much more stressful when you're the one holding the bidding paddle. If you are organised, have your home loan pre-approved, know what you are looking for and know your budget and won't go over it, then perhaps an auction could be the place you land your dream home.
Home Loans
13 Apr, 2019
3 min read
Nick Bendel
Property & Personal Finance Writer
CQU property expert reveals home truths on housing affordability
It’s never been harder for younger Australians to enter the property market, we regularly hear.
Home Loans
07 Mar, 2019
4 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>
Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.
