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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.
Mark Bristow
Personal Finance Editor
How to apply for a home loan
Getting your first home loan doesn’t have to be as intimidating as it sounds. With just a little preparation, you can confidently calculate how much you can afford to borrow, what support you may be able to get, and how to make an application that’s more likely to be approved by the bank.
Home Loans
29 Feb, 2024
11 min read
Mark Bristow
Personal Finance Editor
How to get started in property investing
Owning an investment property could potentially offer a path to building wealth and ensuring a more comfortable retirement. However, not all borrowers will successfully invest in property, with many selling within the first five years and giving up on their property dreams.
Home Loans
21 Dec, 2023
5 min read
Alex Ritchie
Personal Finance Editor
Can foreigners buy property in Australia? Everything you need to know
Yes, foreign residents can buy property in Australia. However, there are generally more hoops to jump through than if you were a citizen or permanent resident looking to buy.
Home Loans
19 Dec, 2023
5 min read
Mark Bristow
Personal Finance Editor
Can you change your home loan to an investment loan?
Mortgage lenders offer different types of home loans to owner occupiers and to property investors. Buying a home to live in is different from buying an investment property, and comes with a different type of risk for the lender.
Home Loans
15 Dec, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
Should you get home loan pre-approval before looking for a property?
Plan wisely and learn the benefits of getting a home loan pre-approval before searching for a property.
Home Loans
04 Dec, 2023
5 min read
Mark Bristow
Personal Finance Editor
A short guide on different types of home loans in the market
Different types of home loans are better suited to borrowers with different conditions or requirements. For instance, if you’re building your home from scratch, a construction loan might prove more useful than a regular home loan. By understanding the various home loan options in the market, you can choose the mortgage that’s best suited to your needs.
Home Loans
21 Nov, 2023
6 min read
Alex Ritchie
Personal Finance Editor
Interest rates on the rise: how to afford your higher mortgage repayments
The Reserve Bank of Australia has hiked the cash rate again, so what can homeowners do right now to help give their budget some breathing room and better afford higher mortgage repayments?
Home Loans
09 Nov, 2023
4 min read
Vidhu Bajaj
Personal Finance Writer
Easy ways to make your home energy efficient
By making your home more energy efficient, save on energy bills while also doing your part to protect the environment.
Home Loans
07 Nov, 2023
5 min read
Alex Ritchie
Personal Finance Editor
How to prepare for an interest rate rise
As the interest rate is arguably the biggest ongoing cost that can influence a home loan, preparing your budget for a rate rise may be useful in reducing potential financial stress.
Home Loans
07 Nov, 2023
5 min read
Mark Bristow
Personal Finance Editor
How much does a house depreciate in value?
You may not think of houses as depreciating in value – after all, don’t house prices keep going up and up? But property investors know that houses and apartments also experience wear and tear over time, which requires upkeep and maintenance. While this depreciation can eat into the rental yield from an investment property, the costs can often be claimed as an expense on your taxes.
Home Loans
07 Nov, 2023
3 min read
Mark Bristow
Personal Finance Editor
Can you use rental income to qualify for a mortgage?
If you own an investment property and are thinking of buying another one, you may want to use the rental income you receive from your tenants to help pay for your next mortgage. However, not all mortgage lenders will take all of your rental income into account when assessing your mortgage application.
Home Loans
02 Nov, 2023
3 min read
Alex Ritchie
Personal Finance Editor
Tax deductions for your investment property
To make the most from your investment property, it helps to better understand its tax deductions. Find out more.
Home Loans
01 Nov, 2023
4 min read
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