- 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.
RateCity
Warning: Part 9 Debt Agreements have serious consequences
With Australia’s household debt-to-income ratio being one of the highest in the world, individuals and families are finding it harder than ever to keep up with their repayments.
Home Loans
07 Jun, 2018
10 min read
Mark Bristow
Personal Finance Editor
What is the Pension Loans Scheme?
The Pension Loans Scheme allows people who are at the age pension age to apply for a loan from the government to supplement their retirement, effectively functioning as a reverse mortgage.
Home Loans
09 May, 2018
3 min read
Nick Bendel
Property & Personal Finance Writer
How to fix credit problems
Credit problems – who has them? If you’re reading this article, chances are you have, or you know someone who has.
Home Loans
11 Apr, 2018
10 min read
Nick Bendel
Property & Personal Finance Writer
How to speak finance
Why do banks bombard us with incomprehensible jargon? And what’s with all those annoying acronyms?
Home Loans
20 Mar, 2018
25 min read
Alex Ritchie
Personal Finance Editor
Fast track your way to mortgage freedom
Paying off your home loan early doesn’t just free up valuable cash and provide the security of outright home ownership. It will also save you a bundle in interest.
Home Loans
14 Mar, 2018
3 min read
Alex Ritchie
Personal Finance Editor
How to talk your way to a lower interest rate
If you’re currently paying off a mortgage, there’s an interest rate cut waiting for you if you simply ask for it.
Home Loans
21 Feb, 2018
6 min read
Nick Bendel
Property & Personal Finance Writer
What is a mortgage calculator?
A mortgage calculator is an online tool that shows you how much you’d have to repay based on different home loan scenarios.
Home Loans
08 Jan, 2018
3 min read
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
Trending articles
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Getting a mortgage for an international property
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Can you have two home loans on one property?
Mark Bristow
Personal Finance Editor
08 Jan, 2025
What do mortgage lenders look for in bank statements?
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.
Share this page
Promoted home loans products
Variable Rate Home Loan LVR < 80%
Real Time Rating™
- 2024 Award Winner
- Special
- Owner Occupied
- Variable
Interest rate p.a.
5.99%
Comparison rate* p.a.
5.90%
Australian Credit Licence 234945
Fees & charges apply
Variable Home Loan
Real Time Rating™
- Owner Occupied
- Variable
- 10% min deposit
- P&I
Interest rate p.a.
6.04%
Comparison rate* p.a.
6.08%
Australian Credit Licence 395219
Fees & charges apply
Advantage Plus
Real Time Rating™
- Owner Occupied
- Variable
- 20% min deposit
- P&I
Interest rate p.a.
6.64%
Comparison rate* p.a.
6.96%
Australian Credit Licence 243099
Fees & charges apply
Solar Home Loan
Real Time Rating™
- Owner Occupied
- Variable
- 10% min deposit
- P&I
Interest rate p.a.
5.99%
Comparison rate* p.a.
6.48%
Australian Credit Licence 395219
Fees & charges apply
Product data updated on 16 Jan 2025