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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.
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
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
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
Jodie Humphries
Personal Finance Editor
Will we see a Melbourne Cup rate cut?
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
Patricia Babalis
Could you pay your mortgage if rates hit 7 per cent?
With mortgage rates kept low by the historic low cash rate, it’s fair to say that many borrowers are coasting along in an ideal situation. Rates lower than 4 per cent are no longer uncommon for owner-occupier mortgage holders with some equity built up in their property.
Home Loans
26 Oct, 2016
3 min read
Patricia Babalis
How can we fix the housing affordability crisis?
It seems as though there is no hotter topic than the housing affordability crisis and what needs to be done to solve it. From the endless news articles to the discussions had in homes around Australia, it’s a problem that strikes right at the heart of the Australian dream of property ownership.
Home Loans
25 Oct, 2016
4 min read
Jodie Humphries
Personal Finance Editor
No toast for you! How many smashed avo brunches it takes to buy a house
Earlier this week, Bernard Salt made headlines by claiming the money people under 40 spend on smashed avocado with crumbled feta five-grain toast could be used to save a deposit for a house.
Home Loans
21 Oct, 2016
1 min read
Patricia Babalis
Beware the housing black market
It has been called the housing black market and with good reason: dodgy schemes that promise to put you in your own home without a credit or history check.
Home Loans
11 Oct, 2016
4 min read
Peter Arnold
Rates of the Nation Report, October 2016
With the cash rate cut to 1.50 per cent in August, there was a lot of interest rate action during the past quarter – particularly in the mortgage and deposit spaces, yet little movement in credit card rates.
Home Loans
10 Oct, 2016
4 min read
Patricia Babalis
Would you lie to get your mortgage approved?
Securing a mortgage and landing your dream home are goals shared by many Australians but how far would you go to make it a reality?
Home Loans
10 Oct, 2016
3 min read
Alana Drayton
Should you buy a property with friends?
With the house prices on the rise, many Australians are turning to sharing a mortgage in an effort to get on the property ladder. For many, it’s a boost onto the property ladder, opening up a wider housing market and reducing the initial financial burden, but it’s important to beat in mind that there are some risks which could leave you caught out.
Home Loans
04 Oct, 2016
3 min read
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