- 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.
Laine Gordon
Money Editor
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
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
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
Money Editor
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
Jodie Humphries
Personal Finance Editor
How to take advantage of record low mortgage rates
The RBA’s decision to leave the cash rate on hold at 2 per cent for the 10th month in a row is unsurprising, to say the least, but little comfort for mortgage holders struggling to get ahead on their home loan repayments. One of the best ways to prepare for an increase in rates is to switch to one of the lowest interest rates on the market and put the savings you make towards additional repayments on your loan. Not only will this help pay down your loan faster, it will also reduce the amount of interest you pay your bank over the life of your loan by tens of thousands of dollars.
Home Loans
01 Mar, 2016
3 min read
Kate Cowling
RBA unlikely to surprise mortgage holders today
The Reserve Bank is expected to keep official rate steady at 2 per cent today, despite indications from the board that the next move will be down.A RateCity.com.au analysis of the key economic indicators shows that an unexpected rise in unemployment and sluggish inflation won’t be enough to spur the Reserve Bank into action this month. Sally Tindall, money editor at RateCity.com.au, said that while these indicators pointed to a rate cut, the RBA board was expected to bank it for another day.
Home Loans
29 Feb, 2016
3 min read
Kate Cowling
Rates on hold but market still awash with home loan bargains
The RBA has this afternoon announced that rates will remain on hold for the moment but banks are continuing to offer low interest rate deals for ideal borrowers with big deposits.
Home Loans
02 Feb, 2016
3 min read
RateCity
Domain's Home Price Guide: How much is your property worth?
After launching the Home Price Guide in August, property website Domain.com.au has launched a new feature, Track My Home, which allows property owners to update the details of their property – including recent renovations, extensions and refreshes – to receive a current property value estimate.
Home Loans
13 Jan, 2016
4 min read
Patricia Babalis
Property, super and more: What lies ahead for 2016?
Will house prices rise or fall? Will the government implement changes to the super system? And will customers be able to wear online banking technology?
Home Loans
21 Dec, 2015
8 min read
Patricia Babalis
What a US Fed rate rise means for Australia
An improving job market in the United States and a strengthening national economy is likely to see the US Federal Reserve (Fed) lift rates for the first time in a decade this week. The Fed itself has been abundantly clear it is keen to begin the “normalisation” of US monetary policy, but mixed US economic data in recent weeks has thrown a question mark into the mix. Dr Shane Oliver, Head of Investment Strategy and Chief Economist at AMP Capital still believes a rate hike on 16 December is 70 per cent likely.
Home Loans
13 Dec, 2015
4 min read
Kate Cowling
Bank of mum and dad' popular choice for first home buyers
It’s always been a bank you can trust, but just how popular is the bank of mum and dad? New RateCity research shows that half of Gen Y couples now need financial help from their parents to get into the property market. Property prices have sky-rocketed in the last five years, particularly in our capital cities, so it’s no wonder a lot of younger people are struggling to outbid cashed-up investors at the point of sale.
Home Loans
09 Dec, 2015
6 min read
Trending articles
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Getting a mortgage for an international property
Mark Bristow
Personal Finance Editor
15 Jan, 2025
Can you have two home loans on one property?
Mark Bristow
Personal Finance Editor
08 Jan, 2025
What do mortgage lenders look for in bank statements?
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.
