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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.
Laine Gordon
Money Editor
Fixed rates rise further
About half of all four- and five-year fixed rate home loans, and more than a third of three-year fixed rate home loans, have had rates adjusted up in the past two months, according to RateCity research.
Home Loans
20 Nov, 2013
3 min read
Laine Gordon
Money Editor
How government can really help home buyers
Despite record low interest rates, first home buyers now account for less than 10 percent of all new home loan dollars financed – a record low. Yet an opportunity to support a savings initiative for first home buyers is going to waste, according to RateCity.
Home Loans
17 Nov, 2013
4 min read
Jodie Humphries
Personal Finance Editor
How to make the most of low interest rates
With Australia’s official cash rate at a 53-year historical low of 2.5 percent, Australian home owners are enjoying lower mortgage repayments than ever.
Home Loans
15 Nov, 2013
3 min read
Laine Gordon
Money Editor
Low rates put borrowers 20 months ahead
The study by RateCity has revealed that a low interest rate environment has helped households to pay down their home loans more quickly than required.
Home Loans
06 Nov, 2013
3 min read
Patricia Babalis
Avoiding the rental trap
With property prices across Australia consistently rising rather than falling, buying your first home may seem discouragingly out of reach. However, new research shows that rents are creeping up at a faster-than-usual rate may prompt some tenants to swap renting for home ownership.
Home Loans
31 Oct, 2013
3 min read
Kate Cowling
Property or shares: where should you invest?
When it comes to investing their hard-earned cash, Australians have always been partial to bricks and mortar and consistently rising property prices have guaranteed a solid investment return. As an alternative investment strategy, the Australian share market has also delivered results for investors, with shares reaching a five-year high last month.
Home Loans
31 Oct, 2013
3 min read
Jodie Humphries
Personal Finance Editor
Are SMSFs driving up property prices?
Property has long been a popular investment strategy for Australians. However, increased investment activity in residential property by self-managed superannuation funds (SMSFs) is worrying regulators amid concerns it may be pushing up house prices.
Home Loans
21 Oct, 2013
3 min read
Laine Gordon
Money Editor
One in six flick the big banks
Borrowers are flocking to smaller banks and mortgage lenders, which are stealing market share away from the major banks, new research has found.
Home Loans
11 Oct, 2013
3 min read
Patricia Babalis
Why you shouldn't be seduced by low rates
While interest rates are attractively low at the moment and therefore tempting to borrow more when buying a home, it is important to remember that a mortgage is a long-term commitment and rates can rise.
Home Loans
10 Oct, 2013
3 min read
Laine Gordon
Money Editor
Reserve Bank Interest Rate Announcement September 2013
September update: Reserve Bank leave rates on hold at 2.5%
Home Loans
03 Oct, 2013
2 min read
Jodie Humphries
Personal Finance Editor
Does home size matter for a mortgage?
When it comes to property investment, size isn’t all it’s cracked up to be. At least not in the traditional perception of big is best. One-bedroom apartments, particularly in inner city areas, are increasingly popular with tenants – and investors are taking note.
Home Loans
01 Oct, 2013
3 min read
Laine Gordon
Money Editor
Banks relax mortgage rules
Financial institutions are allowing customers to save up smaller deposits to buy property, and in some cases are lending up to 100 percent of a property’s value.
Home Loans
25 Sep, 2013
3 min read
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