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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.
Alex Ritchie
Personal Finance Editor
5 ways to save your home deposit faster
When you’re scraping by to save for your home deposit, the dream can start to feel more like fantasy than reality. RateCity has compiled a list of new and timeless ways you can save your home deposit faster.
Home Loans
09 Oct, 2017
4 min read
Nick Bendel
Property & Personal Finance Writer
What is conveyancing?
Conveyancing is the process of transferring legal ownership of a property from one party to another.
Home Loans
29 Sep, 2017
3 min read
Nick Bendel
Property & Personal Finance Writer
Why do banks change interest rates when the cash rate is steady?
Banks, credit unions, building societies and non-bank lenders often take their lead from the Reserve Bank of Australia when making decisions about interest rates.
Home Loans
21 Sep, 2017
2 min read
Nick Bendel
Property & Personal Finance Writer
These 5 home loan traps could cost you massive dollars
Taking out a mortgage can be an intimidating and confusing process – and the banks don’t exactly go out of their way to make it simpler.
Home Loans
14 Sep, 2017
4 min read
Alex Ritchie
Personal Finance Editor
Hidden fee traps and how you can avoid them
RateCity spoke to Sydney mother of two, Natalie, about how she found herself falling into her banks’ fee traps, and how she’s choosing to break the cycle.
Home Loans
07 Sep, 2017
8 min read
Mark Bristow
Personal Finance Editor
How can I pay my loan off faster?
Whether you have a home loan, a personal loan or a car loan, it’s likely that you’d prefer your debt to be paid off as soon as possible. The longer you owe money to a bank or lender, the more interest you’ll be charged, until the total cost eventually exceeds any benefits offered by the loan.
Home Loans
05 Sep, 2017
5 min read
Nick Bendel
Property & Personal Finance Writer
What is APRA?
APRA, or the Australian Prudential Regulatory Authority as it is officially known, is the prudential regulator of Australia’s financial services industry.
Home Loans
24 Aug, 2017
1 min read
Alex Ritchie
Personal Finance Editor
What is a principal and interest home loan?
Home loan repayments are either made on a ‘principal and interest’ basis or they are paid by ‘interest-only’ instalments.
Home Loans
11 Aug, 2017
4 min read
Mark Bristow
Personal Finance Editor
Is it safe to get a home loan with a small lender?
While there are certainly benefits to getting your mortgage from a major bank like Australia’s Big Four, it’s the smaller lenders that tend to offer the more competitive interest rates, fees and charges that give the big banks a run for their money.
Home Loans
09 Aug, 2017
3 min read
Nick Bendel
Property & Personal Finance Writer
Why smaller mortgage lenders often come out on top
Borrowers are doing themselves a disservice if they refuse to at least consider taking out a mortgage with a lender outside the big four banks.
Home Loans
08 Aug, 2017
3 min read
Alex Ritchie
Personal Finance Editor
The 5 mistakes people make with home loans
A home loan is arguably the most expensive purchase you will make, so you can’t afford to make mistakes. RateCity has compiled a list of the most common miscalculations you can make when choosing a home loan.
Home Loans
22 Jun, 2017
2 min read
Nick Bendel
Property & Personal Finance Writer
Is the cheapest home loan always the best?
We all want to pay as little for our mortgage as possible, but it would be wrong to assume that lower-rate products are automatically better.
Home Loans
22 May, 2017
3 min read
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Alex Ritchie
Personal Finance Editor
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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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