- Home
- Home Loans
- Articles
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
Are you really stuck with your home loan for life?
Want to move your home loan but worried you are locked in for life? With the Australian Securities and Investments Commission (ASIC) cracking down on excessive early exit fees and several major banks slashing their mortgage exit fees, the chains around your mortgage could be getting looser.
Home Loans
16 Nov, 2010
3 min read
Laine Gordon
Head of Public Relations
Home loan myth: Do you get a better rate for being loyal?
So you've had your savings account with the same financial institution since your primary school days and now you're in your late twenties and in the market for a home loan. Because you've been with the same bank for all of these years, does this mean that they will offer you a better deal for being loyal?
Home Loans
10 Nov, 2010
3 min read
Laine Gordon
Head of Public Relations
Why risk it? Don't fib on your mortgage application
According to a study by Veda Advantage, 1.6 million Australians have lied about their financial information when applying for a loan. Not only is this a shocking number of people being dishonest but the nightmare that this behaviour can be very damaging to the applicants and their families.
Home Loans
05 Nov, 2010
3 min read
Laine Gordon
Head of Public Relations
Is everything negotiable when it comes to home loans?
More customers are using their powers of persuasion for a better deal on their home loans, but is it really paying off? According to a survey by Choice, out of 2170 people surveyed, one-third of customers with home loans asked their financial institution for reduced rates and to their surprise most of them got what they asked for.
Home Loans
05 Nov, 2010
3 min read
Laine Gordon
Head of Public Relations
How to purchase your dream home in 12 months
If you are a first home buyer who has a goal of buying your dream property next mortgage season, here are some points on what you should do now to better prepare yourself.
Home Loans
29 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
Economy strengthens but buyer confidence flattens
Buyer confidence levels for purchasing property have flattened over the past year but they are still higher than 2008 levels. According to the September 2010 Genworth Homebuyer Confidence Index, our confidence in the home loan and property market has increased by 7.7 percentage points, from 92.4 in 2008 to 99.1 in 2010.
Home Loans
29 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
Tougher outlook for first home buyers
First home buyers are finding it tougher to enter the property market than last year, with some first home buyers pushed out altogether due to higher costs. But by taking the right turns and keeping to the map, the road ahead doesn't need to be as rough.
Home Loans
27 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
How to avoid mistakes first home buyers make
Many first home buyers are given advice from all directions on what to do, what not to do and which lender to use. But because everyone is different, what suits one may not suit another, especially when it comes to finding the right home loan.
Home Loans
22 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
Beat the major four banks by comparing home loans online
As the anticipation of a predicted rate rise before the end of the year draws nearer, experts worry there is a lack of competition in the mortgage lending market and borrowers aren't getting the best deals on their home loans.
Home Loans
21 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
Aussies demand a better deal on home loans!
Homebuyers, especially those looking to refinance their existing home loans have taken advantage of an opportunity to make the most of stable interest rates
Home Loans
15 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
How borrowers can beat the imminent rate rise
If you have a home loan or considering taking out one, there are steps that home owners can implement now that will not only help them take advantage of the current stable rates, but also prepare them for any rate increases before the year is out.
Home Loans
13 Oct, 2010
3 min read
Laine Gordon
Head of Public Relations
Refinancing at the right time can save you $63,000
Refinancing your mortgage can be a great option for those whose circumstances may have changed since applying for the loan, such as welcoming another member to your family or a decrease in your salary. Other reasons why someone may refinance their home loan can include
Home Loans
08 Oct, 2010
3 min read
Trending articles
Alex Ritchie
Personal Finance Editor
18 Sep, 2024
What is lending criteria? The factors that may impact eligibility criteria
Mark Bristow
Personal Finance Editor
10 Sep, 2024
The pros and cons of paying off your mortgage early vs buying an investment property
Mark Bristow
Personal Finance Editor
10 Sep, 2024
What do house valuers look for?
Popular searches
Best mortgages
>Fixed rate home loans
>Low interest home loans
>Variable rate home loans
>SMSF home loans
>Interest only home loans
>Investor home loans
>First mortgages
>Construction home loans
>Bridging home loans
>Low deposit home loans
>Home loan refinance calculator
>Related calculators
Home loan repayment calculator
>Borrowing power calculator
>Refinance calculator
>Stamp duty calculator
>Lender mortgage insurance (LMI) calculator
>
Find a local mortgage broker
Get expert home loan advice and assistance with your mortgage application.
