RateCity.com.au
  1. Home
  2. Personal Loans
  3. Articles

Personal Loans Articles

Relevant Personal Loans articles and tips

Peter Terlato

Personal Finance Editor

Can I take out a personal loan after getting a home loan?

After successfully securing a home loan and purchasing a property, it’s not uncommon for mortgage holders to be strapped for cash. You might consider taking out a personal loan to help pay for renovations costs, buy new furniture, or simply to cover necessary everyday expenses.

Personal Loans

20 Jun, 2023

4 min read

Can I take out a personal loan after getting a home loan?
Alex Ritchie

Personal Finance Editor

What is a promissory note and when do I need one?

A promissory note can be defined as a document that contains a promise to pay a sum of money, essentially a more formal ‘IOU’. But how does it differ from a traditional personal loan?

Personal Loans

20 Feb, 2023

4 min read

What is a promissory note and how does it differ from a personal loan?
Mark Bristow

Personal Finance Editor

Is now the time to renovate your home?

Renovating a property could potentially greatly improve your lifestyle at home, or increase the value of your investment. But when is the best time to consider undertaking a renovation project, and are there any risks or hazards to avoid?

Personal Loans

20 Feb, 2023

5 min read

Is now the time to renovate your home?
Jodie Humphries

Personal Finance Editor

Should you pay off a personal loan or credit card first?

If you have both a credit card debt and a personal loan, you may be wondering which one you should aim to pay off first.

Personal Loans

09 Feb, 2023

4 min read

Should you pay off a personal loan or credit card first?
Mark Bristow

Personal Finance Editor

Personal Loan vs Home Loan: Which offers a better deal? 

When financing a renovation or buying a big-ticket item, some homeowners use their home loan to access the money they need. Others finance their project by taking out a personal loan instead. So which option is the best choice to help you reach your goals?

Personal Loans

20 Jan, 2023

5 min read

Personal Loan vs Home Loan: Which offers a better deal? 
Peter Terlato

Personal Finance Editor

How much are gutter replacement costs?

Gutter replacement costs will vary depending on a number of factors, such as the amount of new guttering needed, the time it will take to replace the damaged guttering and the type of materials required.

Personal Loans

19 Jan, 2023

5 min read

How much are gutter replacement costs?
Jodie Humphries

Personal Finance Editor

Business loan vs. personal loan – how are these different?

If you’re a business owner needing financial support, you’d be deciding between a business loan versus a personal loan. Understanding both options will help you decide.

Personal Loans

11 Jan, 2023

6 min read

Business loan vs. personal loan – how are these different?
Mark Bristow

Personal Finance Editor

What can personal loan statistics tell Australians about borrowing?

When you apply for a personal loan or any other form of credit, it’s important to make a decision that will work for your household’s financial situation and your personal goals. It can also be worth looking at some statistics to see how your credit plans fit in with the wider Australian economy, so you can be more confident about the decisions you are making.

Personal Loans

24 Nov, 2022

4 min read

What can personal loan statistics tell Australians about borrowing?
Peter Terlato

Personal Finance Editor

Should I get a fixed or variable personal loan?

There are a few distinct differences between fixed interest and variable rate personal loans, so it’s important to weigh up your options before determining which type is right for you and your financial situation. Don't forget to also consider other features of the loan you're applying for.

Personal Loans

21 Nov, 2022

4 min read

Should I get a fixed or variable personal loan?
Alex Ritchie

Personal Finance Editor

How to pay for polished concrete in your home renovation

Looking to add polished concrete to your home renovation? If you’re unsure how you can finance installing polished concrete, it may be worth considering a home renovation personal loan.

Personal Loans

23 Sep, 2022

3 min read

How to pay for polished concrete in your home renovation
Mark Bristow

Personal Finance Editor

Can you use a personal loan to buy land?

If you’re buying a block of vacant land with ambitions to build your own property on the site, you may be able to pay for it with the help of a personal loan. But there are also other land finance options available that may better suit the financial needs of some borrowers.

Personal Loans

14 Sep, 2022

3 min read

Can you use a personal loan to buy land?
Mark Bristow

Personal Finance Editor

How much does a carport cost?

A carport can provide your car with more protection from the elements than parking on the street, in your driveway, or on your front lawn. Carports may also be less expensive to install than a garage, though their cost can vary depending on your property.

Personal Loans

14 Sep, 2022

5 min read

How much does a carport cost?