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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
New investor loans blocked by big lenders
One of Australia’s biggest lenders has made sweeping changes to its investor lending policies, RateCity understands.
Home Loans
09 Feb, 2017
3 min read
Peter Arnold
Rates of the Nation Report, January 2017
The Rates of the Nation report is an historical analysis of interest rates in the home loans, credit cards and deposits space for the last quarter.
Home Loans
12 Jan, 2017
4 min read
Mark Bristow
Personal Finance Editor
How to find your interest rate
Pop quiz, hotshot – what interest rate are you currently paying on your home loan? Could you name it off the top of your head?
Home Loans
09 Jan, 2017
6 min read
Mark Bristow
Personal Finance Editor
How to find the value of your property
It’s romantic to measure what a home is worth in terms of love, memories, or similarly sentimental metrics. Unfortunately, banks and other mortgage lenders aren’t renowned for their sense of whimsy, and prefer to measure the worth of properties in dollar values.
Home Loans
09 Jan, 2017
10 min read
Patricia Babalis
What is the refinancing Fast Track process?
In your refinancing research, you may have come across terms like Fast Track refinancing or FastRefi. These refer to a specific type of refinancing offered by some lenders, that allows the borrower to get their new loan settled in as little as three days if no physical property valuation is required.
Home Loans
05 Jan, 2017
3 min read
Mark Bristow
Personal Finance Editor
What are home loan break costs?
If you have a fixed rate home loan and you are still in the fixed period, you may incur additional charges if you refinance or sell your property and exit from your loan. These charges for breaking the fixed rate home loan contract are called break costs.
Home Loans
04 Jan, 2017
4 min read
RateCity
Home Loans Guide, Step 7 of 7, Fees & Charges
Home Loan Deposit - Step by Step guide 7 with Laine Lister - the ins and outs of mortgage fees and charges.
Home Loans
03 Jan, 2017
4 min read
RateCity
Six ways to make your home environmentally friendly
Climate change is tipped to bring a raft of changes with it, but nowhere will it be more prominent than in the housing patterns of Australians. Fortunately, lenders are starting to get on board and help borrowers to be environmentally responsible.
Home Loans
14 Dec, 2016
3 min read
Patricia Babalis
How to best use a mortgage calculator
If you’ve started to look into getting a home loan, or refinancing your current loan, then you would have undoubtedly come across a mortgage calculator in your search. These nifty tools can be invaluable in helping you to visualise how a mortgage would fit into your current budget and whether or not you can afford the repayments comfortably.
Home Loans
13 Dec, 2016
5 min read
Patricia Babalis
Rate rises: how the banks could ruin Christmas
Since late November, around 34 lenders have increased their interest rates on approximately 500 fixed loan products. While the rate rises have started off small, ranging from 0.05 per cent to around 0.6 percent, a trend for increasing rates has been set in motion.
Home Loans
12 Dec, 2016
5 min read
Patricia Babalis
Should I get financial advice before I refinance?
Refinancing your home loan can seem like a big decision, considering a property is often the most expensive purchase Australians make in their lifetime. For this reason, it can seem like a good idea to get as many opinions as possible before deciding whether to refinance a loan.
Home Loans
06 Dec, 2016
4 min read
Patricia Babalis
Can you add someone to your mortgage without refinancing?
If you’ve recently married, and you are merging your finances and assets, you may be wondering if you need to add your spouse’s name to your mortgage and whether it can be done without refinancing. The short answer to both questions is no.
Home Loans
25 Nov, 2016
4 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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