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Home Loans Articles
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
Head of Public Relations
Home loan spotlight: home equity loans
A home equity loan is a home loan that allows you to use established equity to borrow money. Many people use this type of loan to renovate, invest in the share market or buy an investment property.
Home Loans
09 May, 2011
2 min read
Laine Gordon
Head of Public Relations
Is your mortgage structured for maximum tax deductions?
Be aware of these simple rules when negotiating your investment home loan. In order for you to claim deductions, your investment property must produce income.
Home Loans
08 May, 2011
2 min read
Laine Gordon
Head of Public Relations
Fixing your mortgage now: the case for and against
With every finance expert offering an opinion on whether or not interest rates are set to soar, we look at both sides of the argument.
Home Loans
07 May, 2011
2 min read
Laine Gordon
Head of Public Relations
Ten tips for investment property buyers
With tax return time just around the corner, now could be a great time to buy your first investment property. Here are some tips to build your property portfolio faster.
Home Loans
06 May, 2011
2 min read
Laine Gordon
Head of Public Relations
Is Australian home affordability on par with the world?
Home ownership rates have forged ahead in many developed countries, but Australia is not one of them. A new report from the Organisation for Economic Co-operation and Development found that 69.5 percent of Australians own their own home, down from 71.4 percent in the 1990s.
Home Loans
05 May, 2011
2 min read
Laine Gordon
Head of Public Relations
Avoid mortgage application traps and gain quick approval
Applying for your first mortgage can be an overwhelming process, with all of the paperwork and documentation required by a financial institution. So to give yourself the best chance at approval and to maximise the amount you can borrow, it's worth taking the time to get your affairs in order first
Home Loans
04 May, 2011
3 min read
Laine Gordon
Head of Public Relations
Borrowers to benefit in home loan market slump
The number of home loans written in February this year was the lowest in a decade, according to Australian Bureau of Statistics (ABS) figures. But there is some good news for buyers and those looking to refinance, which are set to benefit from growing competition in the lending market.
Home Loans
04 May, 2011
3 min read
Laine Gordon
Head of Public Relations
Investment property taxes, proposed changes for 2011
With Treasurer Wayne Swan busy tinkering with the next budget, there have been suggestions that cutbacks on tax concessions for investment properties are on the agenda.
Home Loans
04 May, 2011
2 min read
Laine Gordon
Head of Public Relations
What does pre-approval really mean?
It’s easy to have your home loan pre-approved, but it doesn’t necessarily mean your lender will part with the funds at crunch time. There are dozens of lenders offering so-called online loan approval in 60 seconds, but it’s not until your application is assessed for risk by a live action human being that you’re in the clear
Home Loans
30 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Australia's top three most popular home loans
The variable rate home loan is Australia’s most popular. This loan calculates interest on your mortgage based on the Reserve Bank’s cash rate. If interest rates go up, you pay more, if you they go down you pay a less.
Home Loans
29 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Auction vs. private treaty: which one is right for you
In Australia, private treaty still proliferates with only around 15 percent of property sales the result of the auction process. Benefits of selling at auction: it puts a time frame on the sale.
Home Loans
28 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Mortgage offset accounts and all in one home loans
100 percent offset accounts are often confused with all in one home loans. Read this article to find out the difference between these two types of mortgages and how both can help reduce your interest repayments.
Home Loans
27 Apr, 2011
2 min read
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