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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.
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
03 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
Patricia Babalis
The 10 new Australian household tribes
The average suburban street could look very different by 2030 according to a report from the Commonwealth Bank’s Future Home Insights Series.
Home Loans
15 Nov, 2016
3 min read
Patricia Babalis
The home loans of the future
Borrowing money to buy your own home could look very different in coming years, predicts a report from the Commonwealth Bank’s Future Home Insights Series.
Home Loans
14 Nov, 2016
4 min read
RateCity
Investors flock back to property market
Investors have returned to the Australian property market, a little more than a year after regulatory interventions saw lending to the group plummet.
Home Loans
14 Nov, 2016
1 min read
Kate Cowling
What Trump's victory could mean for Aussie house prices
As the world digests Donald Trump's surprise presidential win, attention has turned to the local impact on investment markets, including housing. Many home-owners and prospective home buyers may be wondering whether the property mogul could lift Australian house prices.
Home Loans
10 Nov, 2016
2 min read
Patricia Babalis
Why now could be the time to fix your rate
A week ago today, the RBA decided to keep the cash rate on hold at the historic low of 1.5 per cent. With only one more meeting left this year and no meeting held in January, economists predict that the cash rate is likely to remain steady for at least a few months to come.
Home Loans
09 Nov, 2016
3 min read
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Mark Bristow
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