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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.
Patricia Babalis
Are low rate home loans really the best?
You won't have any trouble locating a low interest rate home loan today. The Australian financial market is very competitive and it's never been easier to compare home loans online. But is lowest the best? You need to learn to make the most of low interest rates.
Home Loans
10 Nov, 2011
2 min read
RateCity
The costs of home loan insurance
These days it feels like we need insurance for everything. It's one of those things, we often don't realise we need until it's too late. Lender's Mortgage Insurance on the other hand, is not an optional insurance but instead a compulsory insurance some lenders enforce onto borrowers whom they consider a higher risk customer.
Home Loans
10 Nov, 2011
3 min read
Jodie Humphries
Personal Finance Editor
How to locate the best home loan rates
Getting the top home loan rate for your home loan can be a tiring task – researching different lenders, talking to them and comparing interest rates can be a real time killer. But it doesn’t have to be so hard, particularly when you can easily compare home loans from the comfort of your lounge room.
Home Loans
10 Nov, 2011
2 min read
Laine Gordon
Head of Public Relations
Has your lender passed on the savings?
Even if they didn't back a winning horse in the race that stops a nation, Australian homeowners still scored a victory on Melbourne Cup Day, with news that the Reserve Bank dropped the official cash interest rate by 0.25 percent, to 4.50 percent.
Home Loans
02 Nov, 2011
3 min read
Laine Gordon
Head of Public Relations
Top real estate bargains in Australia
Ever wondered where the best real estate bargains can be found in the country? You probably guessed it; they aren't in our big cities! In fact, Adelaide, Brisbane, Melbourne and Sydney all ranked in the top 10 most unaffordable metropolitan cities of the world, according to Demograhia's latest International Housing Affordability Survey.
Home Loans
01 Nov, 2011
3 min read
Laine Gordon
Head of Public Relations
First home buyer's guide for singles
Buying a home can be laborious, stressful and confusing. This is never truer than when you have to do it alone, without the extra emotional and financial support provided by a partner.
Home Loans
01 Nov, 2011
3 min read
Laine Gordon
Head of Public Relations
Pay off your home loan in record time
Unless you're one of the country's richest people, you will need a bit of help from a bank to buy your home. A mortgage, however, doesn't have to rule your life forever - there are smart ways to ensure you pay it off in record time.
Home Loans
19 Oct, 2011
3 min read
Laine Gordon
Head of Public Relations
Home ownership harder for Gen Y?
One of the defining trends of our time may be loss of the Australian dream of owning a home, according to new studies. But before we despair, we should understand why the younger generation has the bad luck, and what would-be Gen Y home owners can do to improve their chances of getting a foot on the property ladder.
Home Loans
13 Oct, 2011
2 min read
Laine Gordon
Head of Public Relations
Home loan rate battle, how low can they go?
Spring is notorious for being a busy time for house hunters and therefore home loan applicants. So it's little wonder that the banks are competing heavily for mortgage business at the moment.
Home Loans
13 Oct, 2011
3 min read
Laine Gordon
Head of Public Relations
Fixed or variable? Crunch the numbers
With lenders engaging in serious competition on the fixed rate home loan front, it is timely to consider how this type of loan stacks up against the traditional variable home loan.
Home Loans
06 Oct, 2011
3 min read
Laine Gordon
Head of Public Relations
Getting match fit: how to prepare for a mortgage
Buying your first home can be an exciting but also nerve-racking experience. Traipsing from home inspections to auctions can be time-consuming and traumatising, bank-speak can be mind-boggling and the paper work seems endless.
Home Loans
06 Oct, 2011
3 min read
Laine Gordon
Head of Public Relations
Need a mortgage? Think beyond the big banks
Sometimes the question comes up: “are you better off getting a home loan from a bank or a non-bank?” The answer is that it doesn’t really matter as both are perfectly viable options. The key issue is shopping around to find the lender who provides the best mortgage for your circumstances.
Home Loans
27 Sep, 2011
3 min read
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