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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

Types of home loans

Choosing a home loan is a big financial decision riddled with many choices. Often the more choices we are presented with the more confused and anxious we get. But despite the many home loan options in the Australian market there are three key points that can help you along the right path.

Home Loans

10 Jan, 2012

2 min read

Laine Gordon

Money Editor

New initiative impacts borrowers

As many Australians rose bleary-eyed from their new year's celebrations, borrowers also woke to a timely pick-me-up from the federal government, with Canberra's banking reform legislation now making it compulsory for lending institutions to supply a home loan fact sheet to prospective borrowers, upon request.

Home Loans

09 Jan, 2012

3 min read

RateCity

Calculate your mortgage repayments

Signing your name on a 30 year home loan can be extremely daunting. Concerns about repayments, job security and unavoidable life circumstances can plague you during this time. But while it can be scary there are a few steps you can take to ease your mind and save you valuable money.

Home Loans

08 Jan, 2012

2 min read

RateCity

Work out your mortgage repayments

Are you in the market for a home loan and keen to find out how much you can afford to borrow? Or are you considering refinancing your loan?

Home Loans

03 Jan, 2012

2 min read

Laine Gordon

Money Editor

Save $90K on your home loan with ease

Having a mortgage may seem like a massive long-term financial commitment. But with a few simple tips, you could shave tens of thousands of dollars off the balance and be mortgage-free years sooner.

Home Loans

20 Dec, 2011

2 min read

Laine Gordon

Money Editor

Are you cut out to be a landlord?

With housing supply still trailing population growth, rents across Australia continue to rise steadily and rental yields – the percentage of rental income compared to the property's price – are more favourable than ever. That's good news for landlords and wannabe-landlords alike – now is a good time to consider property investment. But what does it take to be successful at it?

Home Loans

20 Dec, 2011

3 min read

Laine Gordon

Money Editor

Is 5 percent enough to save for your first home?

First home buyers entering the property market would be wise to consider saving at least 10 percent of the purchase price, despite most lenders now requiring just 5 percent down payment.

Home Loans

20 Dec, 2011

2 min read

Is 5 percent enough to save for your first home?

Laine Gordon

Money Editor

The financial battle of the sexes, who will win?

If you're a single woman and the prospect of finding a mortgage leaves you overwhelmed don't feel alone – most women feel just like you. There are some positive steps you can take to become more confident about choosing a home loan.

Home Loans

20 Dec, 2011

3 min read

The financial battle of the sexes, who will win?

Laine Gordon

Money Editor

How to own your dream home within a year

As interest rates continue to fall, the dream of owning your own home may seem more achievable for many Australians. So if you're a first home buyer with a goal of securing a property next mortgage season, here are some tips to help make the dream a reality.

Home Loans

08 Dec, 2011

3 min read

How to own your dream home within a year

Laine Gordon

Money Editor

Three biggest mistakes when buying a home

It's the biggest purchase most of us are ever likely to make, so any mistakes we make in the process of buying a home are likely to be costly –financially and emotionally.

Home Loans

07 Dec, 2011

3 min read

Three biggest mistakes when buying a home

Laine Gordon

Money Editor

How the rate cut will impact you

Home owners and potential first home buyers got an early Christmas present yesterday when the Reserve Bank cut the official cash rate for the second consecutive month to 4.25 percent.

Home Loans

06 Dec, 2011

3 min read

Laine Gordon

Money Editor

Save $70,000 on your home loan

Keen to pay down your home loan with minimal effort and looking for advice about how to do it? Then you've come to right place because at RateCity we've got heaps of advice, guides, tips and even calculators – including a mortgage calculator – that will help put you on the fast track to financial freedom.

Home Loans

01 Dec, 2011

2 min read