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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.

RateCity

Your home loan options

The total cost of your home loan can vary substantially depending on the lender and home loan you choose. That's why it's important to consider all your options before committing to one particular home loan or loan type.

Home Loans

26 Mar, 2012

2 min read

Jodie Humphries

Personal Finance Editor

Is a variable rate home loan right for you?

In Australia you have the choice to fix your home loan rate or select a variable rate home loan. Variable rate home loans are a popular choice for Australians, however individual financial circumstances differ greatly and will dictate which home loan type will best suit you.

Home Loans

23 Mar, 2012

3 min read

Is a variable rate home loan right for you?

RateCity

About variable rate home loans

Variable rate home loans are the most popular type of home loans in Australia. They are offered by most home loan lenders including Australian banks, credit unions and building societies.

Home Loans

21 Mar, 2012

3 min read

Laine Gordon

Money Editor

Dodge the taxman to supersize your savings

How would you like a savings account with an interest rate 60 basis points (or more) above the best savings accounts on the market, that is not only delivered tax-free, but could also help to clear your mortgage years early?

Home Loans

19 Mar, 2012

3 min read

Dodge the taxman to supersize your savings

RateCity

Aussie home loan choices

You may wonder if the Reserve Bank of Australia (RBA) is setting the benchmark cash rate for lenders to follow, then why aren't lenders strictly following this. It's true that in reality many lenders make moves independently of the RBA, so it's vital that you seek out the best home to suit your personal needs.

Home Loans

15 Mar, 2012

2 min read

Jodie Humphries

Personal Finance Editor

Work out your home loan repayments online

Dreams are dashing but one that seems consistent with Australians is the dream of owning their own home. With some hard saving, a plan and the right personal circumstance it's an achievable dream. But you shouldn’t jump in, eyes closed, or your home loan repayments could turn into your personal nightmare.

Home Loans

15 Mar, 2012

3 min read

How to work out your home loan repayments online

Jodie Humphries

Personal Finance Editor

Three ways to help pay off your home loan sooner

At the end of the day, when it comes to your home loan, we all want to pay it off sooner rather than later. By identifying ways to pay down your home loan debt faster using tools such as our home loan calculator, repayments can be slashed fast, helping you achieve that goal.

Home Loans

15 Mar, 2012

2 min read

Three ways to help pay off your home loan sooner

Laine Gordon

Money Editor

Why ticking the wrong box could cost you $80K

If you've got a home loan or are considering borrowing to buy property this year then stay tuned, because one simple piece of advice for the mortgage application process could save you tens of thousands of dollars.

Home Loans

14 Mar, 2012

3 min read

Why ticking the wrong box could cost you $80K

Laine Gordon

Money Editor

Don't get caught in the first-home trap

Thousands of Australian homeowners risk being stuck in their existing home because falling property prices have eroded or even wiped out the equity needed to move on to a bigger house or unit.

Home Loans

14 Mar, 2012

3 min read

RateCity

The value of home loan comparison rates

All lenders have fees associated with their home loans – and some more so than others. By using RateCity’s home loan fee calculator you’re able to look for competitive interest rates, but also the ‘comparison rate’, which calculates the amount of fees and charges you may be slapped with over the life of a home loan.

Home Loans

14 Mar, 2012

2 min read

RateCity

Home loan repayment methods

If only home loans came with an instruction manual explaining the difference between all the facts and figures. Understanding your repayments, interest, fees and charges can be overwhelming and it's easy to overlook, or not understand certain aspects.

Home Loans

13 Mar, 2012

3 min read

RateCity

Home loan calculations

When selecting the best home loan for your circumstances, taking some smart steps early could potentially save you thousands of dollars over the life of the home loan.

Home Loans

12 Mar, 2012

2 min read