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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.
Nick Bendel
Property & Personal Finance Writer
What is a non-bank lender?
A non-bank lender is a financial institution that offers mortgages and other types of loans, but which doesn’t hold a banking licence.
Home Loans
04 Jan, 2018
3 min read
Nick Bendel
Property & Personal Finance Writer
Why it would be good if the RBA raised rates
The Reserve Bank hasn’t raised interest rates since 2010, so it will be terrible when it eventually happens, right? Well, no.
Home Loans
21 Dec, 2017
3 min read
Mark Bristow
Personal Finance Editor
Why do home loans get rejected?
Having a home loan rejected can be incredibly frustrating, especially if you’ve put a lot of time and effort into your application. While different banks use different criteria to assess home loan applications, there are a few common issues that could see your mortgage application rejected:
Home Loans
19 Dec, 2017
5 min read
Nick Bendel
Property & Personal Finance Writer
What is the Reserve Bank's official cash rate and why should I care?
The Reserve Bank of Australia’s official cash rate is the overnight money market interest rate that the RBA charges on overnight loans to commercial banks.
Home Loans
01 Dec, 2017
2 min read
Nick Bendel
Property & Personal Finance Writer
What is a mortgage broker?
A mortgage broker is an individual or company that acts as a middleman between the borrower and the lender. The borrower is usually an individual who wants to buy property, while the lender is a bank or a non-bank lender.
Home Loans
28 Nov, 2017
3 min read
Mark Bristow
Personal Finance Editor
How much is Lender's Mortgage Insurance?
Because Lender’s Mortgage Insurance (LMI) can be a significant extra expense when purchasing a property, it’s important to include it in your budget when calculating whether you can afford a home loan, to avoid finding yourself in financial stress at the very start of a 30-year mortgage term.
Home Loans
21 Nov, 2017
3 min read
Nick Bendel
Property & Personal Finance Writer
The lowest rates from the biggest banks
Ever wondered which of the high-profile banks offers the cheapest home loan?
Home Loans
16 Nov, 2017
2 min read
Alex Ritchie
Personal Finance Editor
Save $1,000 by next Christmas by doing this one thing
If you’re the kind of person who has trouble saving, avoid complicated budgets and the guilt and stress that comes from unexpected expenses by following this one simple savings tip today.
Home Loans
15 Nov, 2017
3 min read
Nick Bendel
Property & Personal Finance Writer
The cheapest home loans on the market
You might be surprised to learn that various lenders are currently offering some of the cheapest mortgage rates in Australia’s history.
Home Loans
02 Nov, 2017
3 min read
Mark Bristow
Personal Finance Editor
What is LVR?
LVR stands for Loan to Value Ratio, and is a comparison of how much you’re borrowing with your mortgage (the Loan) to how much the property you’re purchasing is worth (the Value).
Home Loans
31 Oct, 2017
2 min read
Alex Ritchie
Personal Finance Editor
Using a reverse mortgage to pay for retirement
The average age of borrowers taking out a reverse mortgage is 75, so many Aussies are turning to reverse mortgages to pay for their retirement.
Home Loans
30 Oct, 2017
5 min read
Nick Bendel
Property & Personal Finance Writer
Aussies flushing thousands of dollars down the toilet
Ever fancied the idea of flushing money down the toilet? It sounds ridiculous, yet many Australians do something similar.
Home Loans
20 Oct, 2017
3 min read
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Alex Ritchie
Personal Finance Editor
18 Sep, 2024
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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?
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