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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
Mortgage insurance: what's the deal?
The most important thing to realise about lender's mortgage insurance (LMI) is that it insures your lender, not you. If you default on the loan repayments and your home is sold for less than your loan amount, the insurance will compensate your home loan organisation.
Home Loans
09 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Perks and pitfalls to watch out for when you're mortgage shopping
It’s not just interest rates that can hurt your bottom dollar. Fees and establishment costs can make a big difference to the amount you pay for your mortgage.
Home Loans
08 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Mortgage comparisons: top tips on how to get the best deal
There are countless mortgage comparison facilities available, but what do you really need to know when you’re looking for a home loan? Here are some essential criteria to help you choose the best mortgage.
Home Loans
07 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
How do low introductory rate mortgages stack up?
Competition in the banking sector fired up last month when CUA launched a new home loan package with one of the cheapest introductory rates on the market. But how does it compare with top mortgages monitored by RateCity?
Home Loans
07 Apr, 2011
3 min read
Laine Gordon
Head of Public Relations
Reduce mortgage stress with a few simple steps
If you are a few months behind on your mortgage repayments and facing a default notice, you are not alone. You'll likely find there is often a really easy fix to mortgage stress, such as looking to go interest-free for a while to reduce the repayment or consolidating other loans.
Home Loans
07 Apr, 2011
3 min read
Laine Gordon
Head of Public Relations
No and low deposit mortgages: benefits and drawbacks
While no deposit home loans and low deposit home loans have become harder to come by in the wake of the Global Financial Crisis, if you can track one down, it can help you to buy property when you have little or no savings to put towards a home loan deposit.
Home Loans
06 Apr, 2011
2 min read
Laine Gordon
Head of Public Relations
Mortgage exit fees: What do the new rules mean?
As part of the federal government’s overhaul of the banking sector, Treasurer Wayne Swan recently announced a ban on mortgage exit fees as of July 1, 2011.
Home Loans
04 Apr, 2011
2 min read
Jodie Humphries
Personal Finance Editor
Are low rate introductory home loans good value?
Introductory home loan incentives may look enticing to home buyers but for most, the important thing is the value of the loan long term.
Home Loans
31 Mar, 2011
3 min read
Laine Gordon
Head of Public Relations
Home owners fix rates amid rate rise speculation
Despite no change to the cash rate in the past four months, Australian home owners are bracing for an interest rate rise and are rushing to lock in their mortgage interest rates at record levels since October 2010.
Home Loans
25 Mar, 2011
3 min read
Laine Gordon
Head of Public Relations
Commonwealth Bank's fee-free but not the cheapest mortgage
Competition between the major banks escalated this month when the Commonwealth Bank (CBA) unveiled its new No-Fee Home Loan. But how does it stack up when compared with some of the top mortgages monitored by RateCity and does a fee-free option always equal a cheaper home loan?
Home Loans
25 Mar, 2011
3 min read
Laine Gordon
Head of Public Relations
Is the honeymoon over for introductory rate loans?
Home owners are wising up to some deceptively pricey introductory rate home loans, with application rates at record low levels last month for the mortgages RateCity monitors.
Home Loans
25 Mar, 2011
3 min read
Laine Gordon
Head of Public Relations
Bank's ads sway unknowing customers
Just one month since launching an advertising campaign designed to distance itself from the other major banks, NAB has had a surge in account applications. Home loan enquiries soared by more than a third since the campaign was rolled out on February 14.
Home Loans
23 Mar, 2011
3 min read
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