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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
How to boost your borrowing power
As part of the ongoing fallout from the Global Financial Crisis, the banks, building societies and credit unions have progressively tightened their lending criteria much to the vexation of aspiring homeowners.
Home Loans
28 Jun, 2012
3 min read
Laine Gordon
Money Editor
Home ownership out of reach for families
For many families their own home is their major financial asset; because capital gains on sale of owner-occupied housing in Australia are exempt from taxation, increases in the value of homes has therefore been a vital part of how wealth gets created in Australia for average families.
Home Loans
28 Jun, 2012
3 min read
Laine Gordon
Money Editor
Should the rich lend to the poor?
As more Australians slip below the poverty line, with a growing number excluded from affordable basic financial services, experts are turning their attention to a new British banking model, which is paving the way for a fresh batch of "ethical" credit unions.
Home Loans
26 Jun, 2012
3 min read
Laine Gordon
Money Editor
Weddings today are big business
Weddings are more than a celebration of love and commitment – they are also a big financial decision.
Home Loans
26 Jun, 2012
3 min read
Laine Gordon
Money Editor
What first time buyers need to know
Fewer first home buyers are locking into a mortgage, according to the latest data from the Australian Bureau of Statistics (ABS).
Home Loans
25 Jun, 2012
3 min read
Laine Gordon
Money Editor
Without a will, what happens to your assets?
Somebody once said that in life only two things are certain: death and taxes. None of us likes to think about getting old or falling ill, but making provision for the worst can save a lot of worry and money for those left behind.
Home Loans
24 Jun, 2012
3 min read
Laine Gordon
Money Editor
Want a baby? Don't leave it too late
A new report suggests many Australians underestimate when fertility in men and women starts to decline. But if you’re putting off having baby for financial reasons, with a little planning you can prepare to welcome a new member into your family without being confronted with financial stress.
Home Loans
24 Jun, 2012
3 min read
Laine Gordon
Money Editor
The great variable rate roller coaster
There’s been a huge amount of publicity about the carbon tax for example and its effect on electricity prices. In NSW, for example, it’s been announced that electricity prices will rise by nearly 20% - which is a huge jump for most people, and rightly has many people worried. But the actual dollar impact of that increase will likely be around $25-30 per month for most households.
Home Loans
18 Jun, 2012
1 min read
Laine Gordon
Money Editor
How to get the most out of a rate cut
Australians love their footy tipping – but we’ve now reached the point where “Reserve Bank tipping” seems even bigger. The Reserve Bank meets on the first Tuesday of the month, and in the days leading up to it, every economist in Australia seems to be making a prediction about what will happen to rates.
Home Loans
18 Jun, 2012
1 min read
Laine Gordon
Money Editor
Five reasons potential borrowers are rejected
The banking sector has loosened the belt on who qualifies for a home loan since the global financial crisis, yet lenders remain cautious of high-risk prospective borrowers.
Home Loans
14 Jun, 2012
4 min read
Laine Gordon
Money Editor
Financial stress leads more of us to cheat
Tough economic conditions are fuelling the rapid growth of "cheating websites", research suggests, as thousands of unhappy spouses say they are unable to afford separation.
Home Loans
07 Jun, 2012
4 min read
Patricia Babalis
The best time to compare home loan interest rates
Following home loan interest rate movements in Australia is a full-time job. For most PAYE taxpayers, whose incomes don't typically fluctuate as wildly as interest rates, huge swings in repayments place great pressure on their ability to not only meet their repayments but other expenses too.
Home Loans
05 Jun, 2012
3 min read
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