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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.

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

Should I get financial advice before I refinance?

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

Can you add someone to your mortgage without refinancing?

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

What Trump's victory could mean for Aussie house prices

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

Why now could be the time to fix your rate

Jodie Humphries

Personal Finance Editor

Comparing home loan terms: is 25 or 30 years better?

There are a lot of decisions that have to be made when choosing a home loan. One of the most important is the loan term length. When you are paying off a loan over such a long time, five years give or take, doesn’t seem like much but it can make all the difference financially.

Home Loans

07 Nov, 2016

3 min read

Comparing home loan terms: is 25 or 30 years better?

Patricia Babalis

Expensive purchases that you won't regret

When it comes to purchases there are certain things where quality really matters. While with some items you can get away with a cheap fix, others require an investment of your hard earned cash.

Home Loans

03 Nov, 2016

4 min read

Expensive purchases that you won't regret

RateCity

Save on Your Mortgage and Update Your Kitchen

Find out how much money you could save by using our home loan calculator and add value to your home by updating your kitchen.

Home Loans

01 Nov, 2016

13 min read

Save on your mortgage, update your kitchen

Jodie Humphries

Personal Finance Editor

Will we see a Melbourne Cup rate cut?

Home Loans

31 Oct, 2016

1 min read

Patricia Babalis

Could you be eligible for a low doc home loan?

If your financial situation is best described as “complicated” you may find it difficult to secure a standard home loan with most lenders. Even if it is through no fault of your own, such as losing your job or a failed business venture, lenders have certain lending criteria they uphold for their protection and for yours.

Home Loans

28 Oct, 2016

4 min read