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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.

RateCity

Three reasons the RBA will cut rates next week

After holding fire in July, the market expects the Reserve Bank to cut the official cash rate to a record low of 1.5 per cent when it meets next Tuesday.

Home Loans

25 Jul, 2016

2 min read

Three reasons the RBA will cut rates next week

Jodie Humphries

Personal Finance Editor

Pros and cons of buying off the plan

With capital cities across Australia suffering from a housing shortage – which subsequently pushes up property prices – the proliferation of new developments is seen as contributing to meeting the housing needs of our growing urban populations.

Home Loans

20 Jul, 2016

4 min read

RateCity

The case for and against fixing your rate

To fix or not to fix? That is the question.

Home Loans

15 Jul, 2016

2 min read

The case for and against fixing your rate

RateCity

Bad credit home loans: what are your options?

Is owning a house a distant dream for you? Was your home loan rejected because of bad credit history? You are not the only one. An unforeseen situation or factors in your personal and professional life _ self-employed status, lost job, separation, divorce or illness _ may result in missed financial payments.

Home Loans

29 Jun, 2016

3 min read

Bad credit home loans: what are your options?

RateCity

Your first home buyer checklist

You’ve saved up enough money for a deposit and decided you’re ready to buy your first home. This is when the real work begins.

Home Loans

28 Jun, 2016

3 min read

RateCity

Why you should take time to compare interest rates

Managing the household finances can be a juggling act from one day to the next. With the cost of living on the rise and wages not keeping up with inflation, it is becoming increasingly harder to keep your head above water.

Home Loans

08 May, 2016

4 min read

Why you should take time to compare interest rates

Kate Cowling

RBA cuts the cash rate, which banks have moved?

Following the RBA’s cash rate cut all are on lenders to see if they intend to pass this cut on. A full list of lenders intending to move is below.

Home Loans

01 May, 2016

4 min read

RBA cuts the cash rate - which banks have moved?

Laine Gordon

Head of Public Relations

How to minimise risk when buying an investment property

If you are contemplating acquiring another home loan to finance the purchase of an investment property, here are some tips to minimise the risk.

Home Loans

23 Apr, 2016

3 min read

How to minimise risk when buying an investment property

Jodie Humphries

Personal Finance Editor

How to buy a home and start investing in property

Once upon a time, every Australian might have had their eyes on the nuclear family with two and a half children and the house with the red door.

Home Loans

06 Apr, 2016

3 min read

How to buy a home and start investing in property

RateCity

Don't wait for the RBA, join RateCity's Under 4% club today

Sick of waiting for the Reserve Bank to deliver you a rate cut? With the cash rate on hold for the past 11 months, it could be time to take matters into your own hands. RateCity’s data shows that while the bigger banks have snubbed customers by lifting their rates over the last six months, a smattering of smaller lenders are still actively competing at the pointy end of the market with rates as low as 3.85 per cent. There are currently 18 lenders in RateCity’s ‘Under 4% club’, an elite group of lenders vying for customers looking for a better deal.

Home Loans

05 Apr, 2016

3 min read

Laine Gordon

Head of Public Relations

Pros and cons of buying off the plan

While many people go through the regular private treaty route of purchase at auction when buying a house, there is another option that Australians can take up.

Home Loans

04 Apr, 2016

3 min read

Patricia Babalis

Create the home loan of your dreams

Almost every aspect of our lives can now be customised to suit our needs. From our smartphones to our cars we are spoilt for choice and rarely have to compromise on anything. So when it comes to our home loan, a commitment we lock ourselves into for up to 30 years, why wouldn’t you be picky?

Home Loans

10 Mar, 2016

2 min read