- Home
- Home Loans
- Articles
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.
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
Everything home buyers need to know about stamp duty
There are many costs associated with buying a home, and stamp duty is one of the biggest. Stamp duty is a tax charged by states and territories on property purchases. This not only includes real estate, but business assets, vehicles, and some gifts and insurance policies.
Home Loans
07 Nov, 2023
11 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
Alex Ritchie
Personal Finance Editor
How to increase the value of your home
Whether you are considering selling your property, or trying to maximise your return on investment through lifting your rental income, increasing the value of your home is a worthwhile endeavour.
Home Loans
24 Oct, 2023
3 min read
Vidhu Bajaj
Personal Finance Writer
The fixed versus variable home loan debate
Learn the difference between fixed and variable rate home loans. Make an informed choice regarding what’s better for your situation.
Home Loans
23 Oct, 2023
6 min read
Mark Bristow
Personal Finance Editor
House Appraisal vs Market Value: how much is your home worth?
What is a property actually worth? The answer may depend on if you were to ask a real estate agent or a valuer working for a mortgage lender.
Home Loans
17 Oct, 2023
6 min read
Trending articles
Vidhu Bajaj
Personal Finance Writer
03 Feb, 2025
How does a lump sum payment on a home loan help you?
Vidhu Bajaj
Personal Finance Writer
28 Jan, 2025
Can you use the equity in your home to set up a business?
Vidhu Bajaj
Personal Finance Writer
28 Jan, 2025
Can you change your mortgage broker, and is it a good idea?
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>
Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.
