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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.
Alex Ritchie
Personal Finance Editor
What happens on home loan settlement day when you refinance?
Settlement is a crucial step in the home loan process, as it provides you with breathing space to know you are satisfied with the new loan. Let’s explore what homeowners need to know about the refinancing process before, during and after settlement.
Home Loans
28 Apr, 2023
4 min read
Alex Ritchie
Personal Finance Editor
Using a broker to refinance your home loan
A mortgage broker can assist homeowners with the entire refinancing process, from choosing a new lender to helping fill in your application. Let’s explore what you need to know about using a broker to refinance your mortgage.
Home Loans
18 Apr, 2023
4 min read
Jodie Humphries
Personal Finance Editor
Dealing with a negative mortgage when going through a divorce
Find out your options if you’re dealing with divorce proceedings and your house has a negative equity mortgage.
Home Loans
17 Apr, 2023
6 min read
Peter Terlato
Personal Finance Editor
What is Afford Assist?
Saving for a deposit can be incredibly difficult, particularly if you’re battling tough economic conditions, such as soaring inflation, costly real estate values and a pricey rental market. AffordAssist provides an alternative solution.
Home Loans
13 Apr, 2023
5 min read
Peter Terlato
Personal Finance Editor
How to find a good home loan lender
Finding a good home loan provider can be as important as finding the right house to buy. Here’s how to go about determining if the lender you're considering is ideal for you and your needs.
Home Loans
11 Apr, 2023
4 min read
Mark Bristow
Personal Finance Editor
How much equity do I need to refinance?
There are many reasons why you might want to refinance your mortgage - to get a better interest rate, access your equity to fund a project, consolidate debt, or change your loan terms to better suit your changing personal and financial circumstances.
Home Loans
05 Apr, 2023
6 min read
Alex Ritchie
Personal Finance Editor
Are you at risk of mortgage stress when rates rise?
Interest rates are rising at a rapid pace, leaving many Australian homeowners at risk of mortgage stress. Calculate if the latest hikes have put you at risk, and discover steps you can take to overcome mortgage stress.
Home Loans
03 Apr, 2023
4 min read
Mark Bristow
Personal Finance Editor
Ten tips to know before refinancing your home loan
It’s relatively rare to stick with the same home loan for the entire loan term in Australia. Considering that refinancing is such an essential part of the mortgage process, it’s important to be aware of some of the common issues that could arise, as well as ways to help the process proceed more smoothly.
Home Loans
31 Mar, 2023
7 min read
Mark Bristow
Personal Finance Editor
How often should you refinance your home loan?
There is no hard and fast rule as to how often you should refinance your home loan, though many Australian borrowers switch loans after five or six years. There are also certain events that could trigger a desire to shop around for a better mortgage deal.
Home Loans
31 Mar, 2023
8 min read
Mark Bristow
Personal Finance Editor
Does refinancing really save you money?
In a time when every dollar counts for household budgets, it’s no surprise so many Australians are looking to get a little breathing room from their mortgage repayments. But can refinancing your home loan really make a difference to an everyday household budget?
Home Loans
28 Mar, 2023
5 min read
Peter Terlato
Personal Finance Editor
Five steps towards a financially secure future
There are simple steps you can take to start managing your money early and take control of your financial security.
Home Loans
28 Mar, 2023
7 min read
Mark Bristow
Personal Finance Editor
Should you refinance your home loan?
There are many different reasons why people choose to refinance their home loans, with each person’s decision being based on their own unique circumstances. Here are a few popular reasons why some people choose to refinance, to help you work out if one or more may apply to you at this time:
Home Loans
28 Mar, 2023
8 min read
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Personal Finance Editor
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